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Page 2 Major Highlights- Q1 FY12  Sustained Performance..Steady Growth  Total Business crossed ` Crore, up by 25%  Return on Assets at 0.88%  Capital Adequacy Ratio at 13.37% Tier I Capital Ratio at 9.59%  Record Cash Recovery at ` 750 crore  Introduced Mobile Banking on 6 th June 2011  20 New Branches and 293 ATMs added during Q1  System Driven NPA above `2 lakhs implemented

Page 3 TOTAL BUSINESS Over ` 1 lakh Crore Business Added Y.o.Y Growth at 25% (25.6%) (25% ) (23.4%)

Page 4 TOTAL DEPOSITS Y.o.Y Growth at 25.7% Domestic Growth at 25% against SCBs’ 17.7%

Page 5 NET ADVANCES Y.o.Y Growth at 23.7% Domestic Growth 27.6% against SCBs’ 19.6%

Page 6 PROFIT Amt. in ` Crore June 2010June 2011Y-o-Y Growth Interest Income Interest Expenditure Net Interest Income Non-Interest Income Operating Expenses Operating Profit Total Provisions Net Profit Lower Net Profit on account of decline in trading income, additional provision on NPA and restructured assets as per the RBI Norms

Page 7 PROVISIONS Amt. in ` Crore June 2010June 2011 Operating Profit Provisions Provision for NPA Prov for Taxation Net Profit

Page 8 INCOME INCOME Good Income Growth June’10June’11Increase Total Income % Int. Income % Int. Loans/Advances % Non-Int. Income Amt. in ` Crore

Page 9 Interest Income continues to drive growth in income.. over 70% of earnings from int on advances MAJOR COMPONENTS OF INCOME June 2011 June 2010

Page 10 BREAK-UP OF OTHER INCOME Jun’10Jun’11 Total Other Income Commission & Exchange Profit from Exchange Transaction Trading Profit Dividend Income Recovery in w/off A/cs Other Misc. Income of the above.. Fee Income (` in Crore)

Page 11 EXPENDITURE Jun’ 10Jun’ 11Increase Total Expenditure % Int. Expenditure % Op. Expenses % Staff Expenses % Int. Expenses Higher due to Rise in Int. on Term Deposits Amt. in ` Crore

Page 12 EARNINGS PROFILE Jun 10Jun 11 Net Int. Income NIM (%) ROAA (%) ROE (%) EPS ( ` ) Book Value ( ` ) Amt. in ` Crore NIM Impacted by Continued Uptrend in Int. Rate Scenario Cost of Deposits Rose Higher than Yield on Advances

Page 13 TREND IN COST AND YIELD (%) TREND IN COST AND YIELD (%) Jun’10Sep’10Dec’10Mar’11Jun’11 Cost of Deposits Cost of Funds Yield on Advances Yield on Funds Yield on Investments Cost of Deposits increased by 136 bps higher than Yield on Advances, which rose by 115 bps

Page 14 EARNINGS PROFILE EPS for June Quarters (Not Annualized)

Page 15 SHARE HOLDING PATTERN As on June 30, 2011

Page 16 BUSINESS PROFILE Jun’10Jun’11Y-o-Y Gr Global Business % Total Deposits % Net Advances % CD Ratio (%) Robust Business Growth of over ` 1 lakh Crore Overseas Business Constituted 4.41% Amt. in ` Crore

Page 17 COMPOSITION OF DEPOSITS Moderate Growth in CASA June’10June’11Y-o-Y Gr Savings Deposits % CASA Deposits % Term Deposits % CASA Per Branch % Amt. in ` Crore

Page 18 CREDIT FOCUS June’10June’11Y-o-Y Gr Priority Sector Credit % Agriculture Credit % MSME Advances % Retail Lending % Housing % Infrastructure Advances % Industrial Advances % Well Diversified Credit Portfolio Amt. in ` Crore

Page 19 PIONEERS IN EDUCATION LOAN  Education Loans grew by 20.6% y.o.y  Outstanding Education Loans at `3590 crore  The portfolio covers over 1.93 lakh students  On-line Education Loan application in web portal Number ONE amongst Nationalized Banks In Outstanding Education Loans

Page 20 ‘CANARA NAYEE DISHA’ … DRIVING 100% FINANCIAL INCLUSION  Mobilised over 1.10 lakhs No-frill Accounts during Q1 FY12. …. Cumulative No-frill Accounts lakhs (` Cr)  Issued over 3.24 lakhs General Credit Cards (` Cr)  19 Exclusive Micro-Finance Branches to help Urban Poor  Cumulative SHG Tally up at 3.51 Lakhs..Credit Linked 3.27 Lakhs  Total Exposure under SHG (`1060 cr) spread over SHGs  10 Financial Literacy and Credit Counselling Centres (FLCCs) in Kerala, Tamil Nadu, Karnataka and Bihar.  ‘Canara Financial Advisory Trust’ to manage FLCCs  12 Rural Branches opened during Q1 to implement Financial Inclusion Programme

Page 21 PRODUCTIVITY RATIOS June’10June’11 Business per Employee (` Crore) Business per Branch (` Crore) Gross Profit per Employee (` Lakh) Net Profit per Employee (` Lakh) Jump in Business Per Employee and Business Per Branch

Page 22 Figures in the brackets are percentage shares in total INVESTMENT PORTFOLIO Amt. in ` Crore June ’10June’11 Net Investments (Domestic) Held to Maturity (80.3%) (69.8%) Available for Sale (19.1%) (29.5%) Held for Trading 403 (0.6%) 642 (0.75%) Jun’10 Jun’11 SLR Portfolio 88.6% 83.05% Non SLR Portfolio 11.4% 16.95%

Page 23 DURATION OF INVESTMENT PORTFOLIO Duration of AFS book and Total Investment book DetailsJun’10Jun’11 Duration of AFS Book 2.68 yrs2.80yrs Duration of HTM Book 6.23 yrs5.54yrs Duration of Total Investment Book 5.66 yrs4.87yrs Modified Duration of AFS book and Total Investment book DetailsJun’10Jun’11 Modified duration of AFS Book 2.53 yrs2.67yrs Modified duration of HTM Book 6.00 yrs5.31 yrs Modified duration of Total Investment Book 5.44 yrs4.66yrs

Page 24 ASSET QUALITY June’10June’11 Gross NPA (` Crore) Gross NPA Ratio (%) Net NPA (` Crore) Net NPA Ratio (%) Cash Recovery (` Crore)

Page 25 Movement of NPA Amt. in ` Crore June’10March’11June’11 Opening Balance Fresh Slippages (+) Upgradation (-) Cash Recovery (-) Write-off (-) Closing Balance Implemented System Driven NPA Classification for A/Cs above ` 2 lakh

Page 26 Sectoral NPA Amt. in ` Crore June’10March’11June’ 11 Micro & Small Enterprises Agriculture Other Priority Segments Medium Enterprises Large Industries Non-Priority Segments Total

Page 27 Amount Restructured During Q1 FY12 Amt. in ` Crore No. of AccountsAmount Agriculture MSME Housing81.43 Large Advances Others Total Total Slippages during Q1 - `28.07 Crore

Page 28 Total Restructured Accounts/Amts- June’11 Amt. in ` Crore No. of AccountsAmount Agriculture MSME Housing Large Advances Others Total Cumulative Slippages - ` Crore

Page 29 NPA Classification NPA Classification Amt. in ` Crore June’ 10March’11June’ 11 Sub-Standard Assets Doubtful Assets Loss Assets 726 Total NPA

Page 30 COMFORTABLE CAPITAL POSITION Adequate Headroom for further Capital Augmentation  CRAR of 13.37% at June’11 …Tier I ratio at 9.59% …Tier II ratio at 3.78%  Govt. holding %  Paid-up Capital -`443 crore  Medium Term Objective.. CRAR of above 12%

Page % Minimum Total CRAR 6.0% Minimum Tier I CRAR 15.38%* Total CRAR % CAPITAL ADEQUACY – Basel II 13.25%*14.10%* As per Basel II 13.43%* 13.37%*

Page 32 EXPANDING THE REACH Strategic Initiatives  Branch Network Expanded by 216 and ATMs by 492.  Addition of 20 branches and 293 ATMs during Q1 FY12. June’10Jun’11Y-o-Y Incr Branch Network ATM Strength Card Base (In Lakh)

Page 33 EXPANDED CLIENTELE BASE Jun’10Jun’11Y-o-Y Incr Clientele Base No of Deposit A/Cs No of Borrowal A/Cs crore strong clientele base Over 4.4 lakhs SB clientele added in Q1 FY crore strong clientele base Over 4.4 lakhs SB clientele added in Q1 FY12. (In Lakhs)

Page 34 INFOTECH PROGRESS June’11 Core Banking Branches All Branches Net & Mobile Banking Branches All Branches NEFT and RTGS All Branches 100% Business under Core Banking Branches

Page 35 LAUNCH OF MOBILE BANKING Smt. Shyamala Gopinath, then Deputy Governor, RBI Launching Mobile Banking product of Canara Bank on 6 th June 2011 Smt. Shyamala Gopinath, then Deputy Governor, RBI Launching Mobile Banking product of Canara Bank on 6 th June 2011

Page 36 GOALS FOR FY12 GOALS FOR FY12  Aiming at a Total Business Growth of over 20% by Mar’12  Over 250 new branches to be opened during FY12 Out of which 100 rural branches to implement Financial Inclusion Plan  Significantly increase ATM strength.  Steps for commencing Data Warehousing initiated  Thrust on growing Retail Business- Retail Deposits and Retail Advances  Plans to open Branches at Manama, Bahrain, QFC-Qatar, South Africa, Germany, the USA, Brazil, Tanzania and Representative Office in Tokyo, Japan

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