3. FOUNDER OF CANARA BANK
Sri Ammembai subba Rao Pai
(1852-1909)
"A good bank is not only the financial heart of the community, but also one
with an obligation of helping in every possible manner to improve the
economic conditions of the common people" - A. Subba Rao Pai.
.
4. HISTORY OF CANARA BANK
A Subba Rao Pai, established the Canara Hindu Permanent Fund
in Mangalore, in 1906.
The bank changed its name to Canara Bank Limited in 1910
In 1958,RBI ordered Canara Bank to acquire G.Raghumathumul
Bank in Hyderabad which has five branches
.
Canara Bank inaugurated its 1000th branch in year 1976
Canara Bank acquired Lakshmi Commercial Bank in 1985 bringing 230
branches in northern India.
In 1996, canara bank became the first Indian Bank to get ISO certificate for
‘Total Branch Banking’ for its Seshadripuram branch in Bangalure.
5. VISION AND MISSION
Vision:
To emerge as a ‘Best Practices Bank’ by pursuing global benchmarks in
profitability, operational efficiency, asset quality, risk management and
expanding the global reach.
Mission:
To provide quality banking services with enhanced customer orientation,
higher value creation for stakeholders and to continue as a responsive
corporate social citizen by effectively blending commercial pursuits
with social banking.
6. Directors of CANARA BANK
1. Chairman and Managing Director ……………… Shri. R.K. DUBEY
2. Executive Director ……………… Shri. ASHOK KUMAR GUPTA
3. Executive Director ………….. Shri. V. S. KRISHNA KUMAR
4. Director representing Government of India …………… Dr. RAJAT BHARGAVA
5. Director representing Reserve Bank of India ………….. Smt. MEENA HEMCHANDRA
6. Workmen Employee Director ………….. Shri. G.V. SAMBASIVA RAO
7. Officer Employee Director …………… Shri. MANIMARAN
8. Part Time Non Official Director ……………. Shri. SUTANU SINHA
9. Shareholder Director …………… Shri. BRIJ MOHAN SHARMA
10. Shareholder Director ………….. Shri. RAJINDER KUMAR GOEL
11. Shareholder Director …………… Shri. SANJAY JAIN
7. PERFORMANCE OF CANARA BANK:
FINANCIAL PERFORMANCE:
year (in crores)
Networth Profit/Loss
2009-10 12,207.77 2,072.42
2010-11 14,671.79 3,021.43
2011-12 20,039.82 4,025.89
2012-13 22,689.96 3,282.71
9. OPERATIONAL PERFORMANCE:
Global deposits of the bank was Rs.3,55,856 crores compared to
Rs.3,23,963 crores as at December 2012, with a growth of 9.8%.
Global Advances (net) reached a level of Rs.2,42,177 crores compared to
Rs.2,18,242 crores as at December 2012, with a growth of 11%.
The Bank’s domestic business constituted 95% of the total business.
During FY13, The Bank had launched nation wide campaigns to
mobilize SB deposits. During the year, the Bank added over 37 lakhs
SB clientele.
Business per Employee increased to Rs.14.20 crores from Rs.13.74 crores
as at March 2012,Business per Branch improved to Rs.160.42 crores as
at March 2013 compared to Rs.155.43 crores last year.
10. Awards
Best Bank Award among large banks by IDRBT for "Use of
Technology for Financial Inclusion" handed over by
Governor, RBI, Dr. D Subbarao.
Skoch Award for Financial Inclusion, handed over by
Chairman, PMEAC, Dr. C Rangarajan.
1st Rank for Self Help Groups Linkage for the year 2011-12
in the State of Bihar
Award for 'Best Online Bank' among Public Sector Banks-
IBA Banking Technology Awards 2011
Award for 'Best Customer Relationship Initiative' among
Public Sector Banks - IBA Banking Technology Awards
2011.
11. ACHEIVEMENTS
Achieved the mandated targets in respect of
Agriculture (18.22% against 18% norm)
Direct agriculture (16.97% against 13.5% norm)
Credit to specified minority communities
(18.19% against 15% norm)
Weaker Section (11.73% against 10% norm)
Women Beneficiaries (13.96% against 5% norm)
Mandated
Targets
under
Priority
Sector
12. CORPORATE SOCIAL
RESPONSIBILITY OF THE BANK :
CANARA BANK CENTENARY RURAL DEVELOPMENT TRUST
(CBCRD Trust)
RURAL DEVELOPMENT & SELF‐EMPLOYMENT TRAINING
INSTITUTES (RUDSETIs)
RURAL CLINIC SERVICE
CENTRE FOR ENTREPRENEURSHIP DEVELOPMENT FOR WOMEN
13. PRESENT STATUS OF CANARA BANK:
FINANCIAL STATUS:
Particulars (Rs in crore)
FY 13
(Rs in crores)
FY12
Net Profit 2,872 3,283
Operating
Profit
5,890 5,943
Total Income 37,231 33,778
Income from
loans and
advances
24,380 23,443
Total Expenses 31,341 27,835
Net Interest
income 7,879 7,689
14. EXPENSES (FINANCIAL STATEMENTS):
STATEMENT OF ASSETS AND LIABILITIES
(` in
Crore)
As on 31.03.2013 As on 31.03.2012
(AUDITED) (AUDITED)
CAPITALAND LIABILITIES
CAPITAL 443.00 443.00
RESERVES AND SURPLUS 24434.79 22246.95
DEPOSITS 355855.99 327053.73
BORROWINGS 20283.37 15525.39
OTHER LIABILITIES AND PROVISIONS 11325.45 8891.12
TOTAL 412342.60 374160.19
ASSETS
CASH & BALANCES WITH RESERVE BANK OF INDIA 15405.93 17795.13
BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE 19308.77 10384.26
INVESTMENTS 121132.83 102057.43
ADVANCES 242176.62 232489.82
FIXED ASSETS 2862.72 2857.54
OTHER ASSETS 11455.73 8576.01
TOTAL 412342.60 374160.19
16. Major Competition
Public Banks
• State Bank of India
• Bank of India
• Bank of Baroda
• Central Bank of India
• Union Bank of India
• Andhra Bank
• Dena Bank
• Allahabad Bank
• And many others
Private & Foreign banks
• HDFC
• Axis Bank
• Standard Chartered
• HSBC
• Yes bank
• Barclays bank
• Deutsche Bank
• And many more
17. FOREIGN BRANCHES OF
CANARA BANK
UNITED KINGDOM
CHINA
HONGKONG
BAHRAIN
UNITED ARAB EMIRATES
RUSSIA
18. MARKET STRUCTURE:
67.7
12.2
7.2
5.0 1.0 6.9
Govt of India FIIs
InsuranceCompanies Resident Individuals
Banks Others
Govt. 67.7
FIIs 12.2
Insurance
Companies
7.2
Residents
Individuals
5.0
Banks 1.0
Others 6.9
As on March 31, 2013
23. HUMAN RESOURCES
Number of employees – 44,090 IN 2012
Recruitment process:
Education Qualification(Any Degree)
Age 21 years(Base on recruitment year
Based on Written Exam(Conducted by
IBPS)
25. POLITICAL FACTORS:
• Focus on regulation of government
• Budget and budget measures
• Foreign Direct Investments limits
ECONOMIC FACTORS:
• Monetary policy for example: Repo rates, C.R.R, Reverse repo rate
• GDP
• Interest rates
• Inflation rate
• Saving and Investment
26. SOCIO-CULTURAL FACTORS:
• Traditional Mahajan Pratha
• Change in life style
• Population
• Literacy rate
TECHNOLOGICAL FACTORS:
• Auto Teller Machine
• Credit card facility
• Automatic Voice recorder
• It services and Mobile banking
27. LEGAL FACTORS:
• Banking regulation act
• Intervention by RBI
ENVIRONMENTAL FACTORS:
• Indian economy has registered a high growth for last three years
and is expected to maintain robust growth rate as compared to
developed and developing countries. Banking industry is
directly related to the growth of the economy.
• The Growth rate of different industries were :
Agriculture : 18.5%
Industry : 26.3%
Services : 55.2%
29. Strength:
Weakness:
1. Innovative schemes
2. Technologically advance
3. Articulation of good banking
4. Canara bank has employed over 44,000 people
5. Canara bank made a partnership with UNEP to initiate a successful
solar loan programme
1. Inadequate Publicity
2. Low International presence
3. Customer service is lesser as compared to other banks
30. Opportunity:
1. Rural and social banking
2. Agriculture based consultancy
Threats:
1. Economic crisis
2. Highly competitive environment
3. Changing government and RBI policies
31. GOALS FOR FY14
PLANS
Thrust on Retail Business- CASA, retail deposits/advances,
recovery and fee income and asset quality.
Technology and business process reengineering.
The Bank aims to reach an aggregate business figure of
more than `7 lakh crore, with approximate deposit growth of
15% and advances growth of 24%.
Plans to take the number of branches from 3728 to 5000 and
number of ATMs from 3526 to 10,000 by Mar’2015.
Plans to open branches at 9 overseas centres- Johannesburg
(South Africa, License already received), Sao Paulo (Brazil),
Dar-es-Salaam (Tanzania), Tokyo (Japan), Abuja (Nigeria),
Jeddah (Saudi Arabia), Qatar Financial Centre (Qatar),
Frankfurt (Germany) and New York (USA) by Mar’2015.
