NAMENAME ROLL NOROLL NO

FAUZIA SHAIKHFAUZIA SHAIKH 17 17

RUBINA KHANRUBINA KHAN 11 11

KARL FERNANDESKARL FERNANDES 05 05

JAYESH DIWALKARJAYESH DIWALKAR 23 23

HISTORY OF BANKING IN INDIA

Without a sound and effective system in India it cannot have a healthy economy.

And they are as follows:

3 DISTINCT PHASES OF BANKING SYSTEM

Early phase (1786-1969) of Indian banks.

Nationalizations of Indian banks and upto 1991 prior to Indian Banking Sector reforms.

New phase of Indian banking system with the advent of Indian financial and banking sector reforms after 1991.

INTRODUCTIONINTRODUCTION It is an exclusive division of Canara Bank, consisting of It is an exclusive division of Canara Bank, consisting of

professionally qualified personnel for appraising agro-based professionally qualified personnel for appraising agro-based projects and to provide consultancy.projects and to provide consultancy.

ACS is the first ever Consultancy Cell for Agriculture & Allied ACS is the first ever Consultancy Cell for Agriculture & Allied Activities in the entire banking sector in India. Established in Activities in the entire banking sector in India. Established in 1988, Agricultural Consultancy Services today, is one of the 1988, Agricultural Consultancy Services today, is one of the premier consultancy outfits in the country.premier consultancy outfits in the country.

The Division, in the last 20 years, has handled more than 800 The Division, in the last 20 years, has handled more than 800 projects in the sectors like Floriculture, Mushroom, Dairy, projects in the sectors like Floriculture, Mushroom, Dairy, Poultry, Plantation Projects, Food Processing, Bio-technology, Poultry, Plantation Projects, Food Processing, Bio-technology, Cold Storage, Fisheries, etc. which included public issue Cold Storage, Fisheries, etc. which included public issue appraisals also. The appraisal reports of this innovative arm of appraisals also. The appraisal reports of this innovative arm of the Bank are accepted by all Banks and Financial Institutions. the Bank are accepted by all Banks and Financial Institutions.

Climate changeClimate change ““SERVING TO GROW, GROWING TO SERVING TO GROW, GROWING TO

SERVE”SERVE”

It is about History of Canara Bank like It is about History of Canara Bank like

1.1. When Canara Bank emerged? And how?When Canara Bank emerged? And how?

2.2. The person who established Canara bank?The person who established Canara bank?

3.3. Which key & Attributes Launched by Which key & Attributes Launched by Canara bank?Canara bank?

4.4. Product & Services Launched by the Product & Services Launched by the Canara bank?Canara bank?

5.5. And where is the Head Office of Canara And where is the Head Office of Canara bank located?bank located?

(The last and Common question)(The last and Common question)

Late Shri Ammembal Subba Late Shri Ammembal Subba Rao PaiRao Pai

Canara BankCanara BankHead OfficeHead Office112, J C Road112, J C RoadBANGALORE - BANGALORE - 560 002  560 002 

indexindex

Awards & achievement Awards & achievement Loans Loans Credit cardCredit cardMarketing strategies Marketing strategies Few new products for rebuildingFew new products for rebuildingChallenges of canara bankChallenges of canara bank

Awards & achievementsAwards & achievements

First rank in India's best bank under the category First rank in India's best bank under the category “Strength and Soundness” 2006-2007“Strength and Soundness” 2006-2007

Best performing bank under RURAL EMPLOYMENT Best performing bank under RURAL EMPLOYMENT GENERATION PROGRAMME (REGP), 2007-2008GENERATION PROGRAMME (REGP), 2007-2008

Golden Peacock National Training Award 2008Golden Peacock National Training Award 2008Global HR excellence in Training 2008Global HR excellence in Training 2008Best Corporate Social Responsibility Practice Best Corporate Social Responsibility Practice

AwardAward2 Silver Corporate collateral Award for best 2 Silver Corporate collateral Award for best

corporate AD in the Print Media and Best corporate AD in the Print Media and Best Corporate film on Corporate social Responsibility Corporate film on Corporate social Responsibility - 2009- 2009

LOANS LOANS Personal loan Personal loan Home loan Home loan Consumer loan Consumer loan Vehicle loanVehicle loanEducational loan Educational loan Agricultural loanAgricultural loan

CREDIT CARDCREDIT CARD

CANCARD VISA CLASSIC CANCARD VISA CLASSIC CANCARD VISA CORPORATECANCARD VISA CORPORATECANCARD MASTER CARD CANCARD MASTER CARD CANCARD VISA INTERNATIONAL CANCARD VISA INTERNATIONAL

GOLDGOLD

Marketing strategy of Canara Marketing strategy of Canara bankbank

Canara bank serving it customers since July Canara bank serving it customers since July 19061906

Strong marketing position Strong marketing position The 101 year canara bank embrace modernity.The 101 year canara bank embrace modernity.Bank had undertaken “Brand Building” Bank had undertaken “Brand Building”

exercise to improve the visibility and ensure exercise to improve the visibility and ensure adherence to Global Benchmarks.adherence to Global Benchmarks.

Every circle is provided with marketing Every circle is provided with marketing personnel to execute strategies and realize personnel to execute strategies and realize business goals.business goals.

Marketing StrategiesMarketing Strategies

Initiative have been taken in the creation of Initiative have been taken in the creation of the host of customer centric technologies.the host of customer centric technologies.

The Banks customer relationship The Banks customer relationship management in select branches (CRM).management in select branches (CRM).

A dedicated call centre has also been A dedicated call centre has also been implemented for better customer service.implemented for better customer service.

The bank has introduced several customized The bank has introduced several customized and technology driven products to cater to and technology driven products to cater to different client segments.different client segments.

FEW NEW PRODUCTS FOR FEW NEW PRODUCTS FOR REBUILDINGREBUILDING

1.1. Can ChampCan Champ

2.2. Canara Centenary Deposit Canara Centenary Deposit

3.3. S-B Gold Deposit Scheme S-B Gold Deposit Scheme

4.4. Can Premium Current Can Premium Current Account Account

5.5. Canara GuideCanara Guide

KEY PEOPLE KEY PEOPLE OF OF

CANARA BANKCANARA BANK

Challenges Challenges

The pressure bank facing in The pressure bank facing in competing with players one rung competing with players one rung above them likeabove them like

State Bank Of IndiaState Bank Of IndiaPunjab National Bank Punjab National Bank Bank of Baroda Bank of Baroda Union Bank of India Union Bank of India Bank Of IndiaBank Of India

In a recent survey of India consumers conducted by Reputation Institute (USA), Canara Bank earned a Global Reputation Pulse rating of 73.34 placing it 8th on a list of the largest companies in India. Canara Bank's Reputation score is above the average rating of all Companies rated by consumers in 32 countries, and places Canara Bank in an elite group made up of the 200 best Regarded companies in the world.

Canara Bank's global rank is 103. Among the only 4 Indian banks (all PSBs) in the first 200, Canara Bank ranked second below SBI (29th rank) and above BOB (175th rank) and PNB (178th Rank).....

BALANCE SHEETBALANCE SHEETMarch ‘09March ‘09 March ’08March ’08 March ’07March ’07 March ’06March ’06 March ‘05March ‘05

Sources of Sources of fundsfunds

Owner’s fundOwner’s fund

Equity share Equity share capitalcapital

410.00410.00 410.00410.00 410.00410.00 410.00410.00 410.00410.00

Share Application Share Application moneymoney

__ __ __ __ __

Preference Share Preference Share CapitalCapital

__ _ _ __ __ __

Reserves & Reserves & SurplusSurplus

9,629.619,629.61 7,885.637,885.63 7,701.117,701.11 6,608.866,608.86 5,582.045,582.04

LOAN FUNDSLOAN FUNDS

Secured loansSecured loans __ _ _

__ __ __

Unsecured loansUnsecured loans 1,86,892.511,86,892.51 1,54,072.421,54,072.42 1,42,381.451,42,381.45 1,16,803.231,16,803.23 96,908.4296,908.42

TotalTotal 1,96,932.11,96,932.1 1,62,368.061,62,368.06 1,50,492.571,50,492.57 1,23,822.091,23,822.09 1,02,900.461,02,900.46

USES OF FUNDSUSES OF FUNDS

Fixed assetsFixed assets

Gross blockGross block 4,440.074,440.07 4,254.334,254.33 4,056.394,056.39 1,718.601,718.60 1,577.531,577.53

Less: revaluation Less: revaluation reservesreserves

2,168.162,168.16 2,204.862,204.86 2,242.872,242.87 113.38113.38 116.92116.92

Less: accumulated Less: accumulated depreciationdepreciation

1,510.611,510.61 1,337.461,337.46 1,195.041,195.04 1,030.131,030.13 904.72904.72

Net blockNet block 761.30761.30 712.01712.01 618.48618.48 575.09575.09 555.90555.90

Capital work- in-Capital work- in-progressprogress

__ __ __ __ __

Investments Investments 57,776.9057,776.90 49,811.5749,811.57 42,225.5442,225.54 36,974.1836,974.18 38,053.8838,053.88

Net current Net current assetsassets

Current assets, Current assets, loans & advancesloans & advances

4,060.264,060.26 2,684.17 2,684.17 2,994.53 2,994.53 2,909.95 2,909.95 2,488.34 2,488.34

Less: current Less: current liabilities & provisionliabilities & provision

13,488.91 13,488.91 13,438.55 13,438.55 11,651.25 11,651.25 8,860.57 8,860.57 7,173.63 7,173.63

Total net current Total net current assetsassets -9,428.66 -9,428.66 -10,754.38 -10,754.38 -8,656.72 -8,656.72 -5,950.62 -5,950.62 -4,685.29 -4,685.29

Miscellaneous Miscellaneous expenses not writtenexpenses not written

__ __ __ __ __

TotalTotal 49,109.55 49,109.55 39,769.21 39,769.21 37,187.30 37,187.30 31,598.66 31,598.66 33,924.48 33,924.48

Notes:Notes:Book value of Book value of unquotedunquoted

Market value quoted Market value quoted investmentsinvestments

Contingents liabilities Contingents liabilities 1,62,327.15 1,62,327.15 1,21,010.49 1,21,010.49 67,811.16 67,811.16 59,323.29 59,323.29 61,564.98 61,564.98

Number of equity Number of equity share outstanding share outstanding (Lacs)(Lacs)

4100.00 4100.00 4100.00 4100.00 4100.00 4100.00 4100.00 4100.00 4100.00 4100.00

Profit & loss accountMar ‘09 Mar ’08 Mar ’07 Mar ’06 Mar ‘05

Income

Operating income 18,120.85 15,524.19 11,571.85 9,099.08 8,299.02

EXPENSES

Material consumed - - - - -Material expenses - - - - -Personal expenses 1,877.15 1,661.28 1,609.29 1,515.30 1,380.15

Selling expenses 23.83 45.65 39.28 21.61 14.31

Administrative expenses

1,890.63 1,789.39 1,226.51 1,300.38 1,388.46

Expenses capitalized - - - - -

Cost of sales 3,791.61 3,496.32 2,875.08 2,837.29 2,782.92

Operating profit 1,928.00 1,364.92 1,359.04 1,131.79 1,094.61

Other recurring income 901.24 750.34 668.65 619.13 357.97

Adjusted PBIT 2,829.24 2,115.26 2,027.69 1,750.91 1,452.57

Finance expenses 12,401.25 10,662.94 7,337.73 5,130.01 4,421.50

Depreciation 173.64 169.7 148.18 145.03 132.95

Other writ offs - - - - -Adjusted PBT 2655.59 1940.29 1879.51 1605.88 1319.63

Tax charges 500.0 340.00 250.00 200.00 170.00

Adjusted PAT 2071.59 1563.92 1420.32 1342.83 1109.09

Non recurring items 0.83 1.09 0.49 0.39 0.42

Other non cash adjustments

Reported net profit 2072.42 1565.01 1420.81 1343.22 1109.50

Earning before appropriation

2072.42 1565.01 1420.81 1343.22 1109.50

Equity dividend 328.00 328.00 287.00 270.60 225.50

Dividend tax 55.77 56.00 48.78 38.00 30.65

Retained earnings 1688.67 1181.01 1085.03 1034.62 853.36

Ratios1. Current Ratio

Current AssetCurrent Liability

4060.2613488.91

= 0.30%

2. Proprietor RatioEquity share + Reserve surplus * 100Fixed asset + Investment + Current Asset

410.00+9629.61761.30+57776.90+4060.26

10039.61 * 10062598.46

= 16.09%

3. Debt Equity RatioUnsecured LoanEquity Share + Reserve & Surplus

186892.51410.00 + 9629.61

186892.5110039.61

=18.61 :14. Gross Profit Ratio

Gross Profit * 100Net Sales

1928.0 * 10018120.85

=10.639

5. Net Profit Ratio

Net Sales

2072.42 * 100

18120.85

=11.43%

CONCLUSIONCONCLUSION

In a significant feat, Canara bank was In a significant feat, Canara bank was adjudged “BEST PUBLIC SECTOR BANK” adjudged “BEST PUBLIC SECTOR BANK” in a survey conducted by ‘FINANCIAL in a survey conducted by ‘FINANCIAL EXPRESS – ERNST & YOUNG’ for 2005-EXPRESS – ERNST & YOUNG’ for 2005-2006, in five 5 broad criteria such as:2006, in five 5 broad criteria such as:

1. 1. Growth Growth 2. 2. Credit Quality Credit Quality 3.3. Strength and Soundness Strength and Soundness 4.4. Profitably & Efficiency Profitably & Efficiency 5.5. Productivity Productivity

Canara Bank is one of the premier banks in the country, Canara Bank is one of the premier banks in the country, accredited with umpteen distinctions. accredited with umpteen distinctions.

The present stature of the Bank is due to its strong The present stature of the Bank is due to its strong fundamentals and quality customer orientations. fundamentals and quality customer orientations.

Profit making since inception, the Bank today epitomizes a Profit making since inception, the Bank today epitomizes a perfect blend of commercial and social banking. perfect blend of commercial and social banking.

Canara bank is in fact the first bank to conferred FICCI award Canara bank is in fact the first bank to conferred FICCI award for contribution to rural development.for contribution to rural development.