PROFIT & LOSS ACCOUNT OF CANARA BANK (IN RS.

MAR 16 MAR 17 MAR 18 MAR 19 MAR 20

CR.) 12 mths 12 mths 12 mths 12 mths 12 mths
INCOME
Interest / Discount on Advances / Bills 31,377.25 29,585.67 29,096.44 34,319.28 36,075.88
Income from Investments 11,407.79 10,711.29 10,412.10 10,937.51 11,335.88
Interest on Balance with RBI and Other Inter- Bank 879.50 768.20 646.99 828.01 1,400.27
funds
Others 357.60 322.49 1,096.56 725.54 122.97
TOTAL INTEREST EARNED 44,022.14 41,387.64 41,252.09 46,810.34 48,934.99
Other Income 4,875.23 7,554.40 6,942.85 6,574.96 7,813.15
TOTAL INCOME 48,897.36 48,942.04 48,194.94 53,385.30 56,748.14
EXPENDITURE
Interest Expended 34,258.77 31,515.87 29,088.76 32,332.22 35,811.08
Payments to and Provisions for Employees 4,445.88 4,915.09 5,444.11 5,675.11 7,134.18
Depreciation 169.96 327.54 445.05 416.84 432.16
Operating Expenses (excludes Employee Cost & 2,876.09 3,269.65 3,668.78 4,370.26 4,010.89
Depreciation)
TOTAL OPERATING EXPENSES 7,491.93 8,512.28 9,557.94 10,462.21 11,577.23
Provision Towards Income Tax -372.95 520.00 2,338.62 -2,674.42 480.15
Provision Towards Deferred Tax 0.00 0.00 0.00 0.00 0.00
Other Provisions and Contingencies 0.00 0.00 0.00 12,918.28 11,115.39
TOTAL PROVISIONS AND CONTINGENCIES 9,959.48 7,791.97 13,770.48 10,243.86 11,595.54
TOTAL EXPENDITURE 51,710.19 47,820.12 52,417.18 53,038.28 58,983.86
NET PROFIT / LOSS FOR THE YEAR -2,812.82 1,121.92 -4,222.24 347.02 -2,235.72
NET PROFIT / LOSS AFTER El & PRIOR -2,812.82 1,121.92 -4,222.24 347.02 -2,235.72
YEAR ITEMS
Profit / Loss Brought Forward 0.00 0.00 -2,748.90 0.00 0.00
TOTAL PROFIT / LOSS AVAILABLE FOR -2,812.82 1,121.92 -6,971.14 347.02 -2,235.72
APPROPRIATIONS
APPROPRIATIONS
Transfer To / From Statutory Reserve 0.00 281.00 0.00 86.76 0.00
Transfer To / From Capital Reserve 0.00 777.00 0.00 233.00 0.00
Transfer To / From Revenue And Other 0.00 0.00 0.00 0.00 0.00
Reserves
Dividend and Dividend Tax for The Previous Year 0.00 0.00 63.92 0.00 0.00
Equity Share Dividend 0.00 0.00 0.00 0.00 0.00
Tax On Dividend 0.00 0.00 0.00 0.00 0.00
Balance Carried Over To Balance Sheet -2,812.82 63.92 -7,035.06 0.00 -2,235.72
TOTAL APPROPRIATIONS -2,812.82 1,121.92 -6,971.14 347.02 -2,235.72
OTHER INFORMATION
EARNINGS PER SHARE
Basic EPS (Rs.) -53.61 20.63 -70.47 4.71 -26.50
Diluted EPS (Rs.) -53.61 20.63 -70.47 4.71 -26.50
DIVIDEND PERCENTAGE
Equity Dividend Rate (%) 0.00 10.00 0.00 0.00 0.00
BALANCE SHEET OF CANARA BANK (IN Rs. MAR 16 MAR 17 MAR 18 MAR 19 MAR 20
Cr.) 12 mths 12 mths 12 mths 12 mths 12 mths
EQUITIES AND LIABILITIES
SHAREHOLDER'S FUNDS
Equity Share Capital 542.99 597.29 733.24 753.24 1030.23
TOTAL SHARE CAPITAL 542.99 597.29 733.24 753.24 1030.23
Revaluation Reserve 5444.66 5373.15 6524.73 6448.17 6332.79
Reserves and Surplus 25615.55 27715.10 28346.86 28975.81 31929.94
Total Reserves and Surplus 31060.21 33088.25 34871.59 35423.99 38262.73
TOTAL SHAREHOLDERS FUNDS 31603.20 33685.54 35604.84 36177.23 39292.96
Deposits 479791.56 495275.24 524771.86 599033.27 625351.17
Borrowings 26873.32 39503.56 38808.51 40992.29 42761.77
Other Liabilities and Provisions 14692.70 15055.10 17700.90 18563.89 16468.84
TOTAL CAPITAL AND LIABILITIES 552960.78 583519.44 616886.10 694766.69 723874.75
ASSETS
Cash and Balances with Reserve Bank of India 20664.05 19922.50 22100.04 29919.02 22570.14
Balances with Banks Money at Call and 36069.61 38902.96 27812.29 36233.67 45701.33
Short Notice
Investments 142309.30 150265.89 144053.67 152985.30 176244.94
Advances 324714.82 342008.76 381702.99 427727.27 432175.20
Fixed Assets 7198.10 7168.32 8318.64 8410.23 8276.29
Other Assets 22004.89 25251.02 32898.47 39491.20 38906.84
TOTAL ASSETS 552960.78 583519.44 616886.10 694766.69 723874.75
OTHER ADDITIONAL INFORMATION
Number of Branches 5849.00 6083.00 5849.00 6310.00 6329.00
Number of Employees 54008.00 55717.00 58885.00 58350.00 58632.00
Capital Adequacy Ratios (%) 11.08 12.86 13.22 11.90 13.65
KEY PERFORMANCE INDICATORS
Tier 1 (%) 8.80 9.77 10.30 9.04 10.12
Tier 2 (%) 2.28 3.09 2.92 2.86 3.53
ASSETS QUALITY
Gross NPA 31637.83 34202.04 47468.47 39224.12 37041.15
Gross NPA (%) 9.00 10.00 12.00 9.00 8.00
Net NPA 20832.91 21648.98 28542.00 22955.11 18250.95
Net NPA (%) 6.42 6.33 7.48 5.37 4.22
Net NPA To Advances (%) 6.00 6.00 7.00 5.00 4.00
CONTINGENT LIABILITIES,
COMMITMENTS
Bills for Collection 26563.00 27176.31 26782.08 28847.92 35939.89
Contingent Liabilities 314508.56 459646.73 ### ### ###
FINANCIAL RATIOS OF CANARA BANK (IN Rs. Cr.)

Years Mar-16 Mar-17 Mar-18

Earning Per Share (Rs.) -53.61 20.63 -70.47

( Net profit / Equity shares )

Years Mar-16 Mar-17 Mar-18

Dividend/Share (Rs.) 0.00 1.00 0.00

( Dividend / Equity shares )

Years Mar-16 Mar-17 Mar-18

Capital Adequacy Ratios (%) 11.08 12.86 13.22

[ Capital ( Tier 1 + Tier 2 ) / Risk weighted assets ]

Years Mar-16 Mar-17 Mar-18
Net NPA To Advances (%) 6.00 6.00 7.00

( Net NPA / Advances )

Years Mar-16 Mar-17 Mar-18

ROCE (%) 1.32 1.56 1.59

( EBIT / Capital Employed )

Years Mar-16 Mar-17 Mar-18

CASA (%) 25.74 30.23 31.82

( Current Ac + Saving Ac / Total deposits )

Years Mar-16 Mar-17 Mar-18
Net Profit Margin (%) -6.38 2.71 -10.23

( Net profit / Total interest income )

Years Mar-16 Mar-17 Mar-18

Return on Assets (%) -0.50 0.19 -0.68

( Net Profit / Asset )

Years Mar-16 Mar-17 Mar-18

Return on Equity -10.75 3.96 -14.51
/ Networth (%)

( Net Profit / Equity )

Years Mar-16 Mar-17 Mar-18

Net Interest Margin (X) 1.76 1.69 1.97
( Interest earned – Interest expenses / Average Advances )
 Earning Per Share (Rs)
40.00

20.00

0.00

Mar-19 Mar-20 -20.00

4.71 -26.50 -40.00

-60.00

-80.00

Dividend Per Share (Rs)

1.20

Mar-19 Mar-20 1.00

0.00 0.00 0.80
0.60
0.40
0.20
0.00

Capital Adequacy Ratios (%)

16.00
14.00
Mar-19 Mar-20
12.00
11.90 13.65
10.00
8.00
6.00
4.00
2.00
0.00
 12.00
10.00
8.00
6.00
4.00
2.00
0.00

Net NPA To Advances (%)

8.00

Mar-19 Mar-20 7.00

5.00 4.00 6.00

5.00
4.00
3.00
2.00
1.00
0.00

ROCE (%)
1.80
1.60
Mar-19 Mar-20 1.40
1.56 1.32 1.20
1.00
0.80
0.60
0.40
0.20
0.00

CASA (%)
35.00

Mar-19 Mar-20 30.00

29.18 31.37 25.00
20.00
15.00
10.00
5.00
0.00

Net Profit Margin (%)

4.00
2.00
0.00
 Net Profit Margin (%)
4.00
2.00
0.00
Mar-19 Mar-20 -2.00
0.74 -4.56
-4.00
-6.00
-8.00
-10.00
-12.00

Return on Assets (%)

0.40

0.20

0.00
Mar-19 Mar-20
0.04 -0.30 -0.20

-0.40

-0.60

-0.80

Return on Equity
/ Networth (%)
100%
90%
Mar-19 Mar-20
80%
1.16 -6.78
70%
60%
50%
40%
30%
20%
10%
0%

Net Interest Margin (X)

2.50
Mar-19 Mar-20
2.08 1.81 2.00

1.50

1.00
 Net Interest Margin (X)
2.50

2.00

1.50

1.00

0.50

0.00
)