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Chairman & Managing Director's Message

As a premier commercial bank in India, Canara Bank has a distinct track record in the service of the nation for over 105 years. Today, Canara Bank has a strong pan India presence with 3432 branches and 2623 ATMs, catering to all segments of an ever growing clientele base of 4.04 crore. Across the borders, the Bank has 5 branches, one each at London, Hong Kong, Shanghai, Leicester and Manama and a Representative Office at Sharjah, UAE. We are recognized as a leading financial conglomerate in India, with as many as nine subsidiaries/sponsored institutions/joint ventures in India and abroad. As we step into the second century, we aspire to emerge as a Global Bank with Best Practices

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Profile
A Brief Profile of the Bank
Widely known for customer centricity, Canara Bank was founded by Shri Ammembal Subba Rao Pai, a great visionary and philanthropist, in July 1906, at Mangalore, then a small port town in Karnataka. The Bank has gone through the various phases of its growth trajectory over hundred years of its existence. Growth of Canara Bank was phenomenal, especially after nationalization in the year 1969, attaining the status of a national level player in terms of geographical reach and clientele segments. Eighties was characterized by business diversification for the Bank. In June 2006, the Bank completed a century of operation in the Indian banking industry. The eventful journey of the Bank has been characterized by several memorable milestones. Today, Canara Bank occupies a premier position in the comity of Indian banks. With an unbroken record of profits since its inception, Canara Bank has several firsts to its credit. These include:

Launching of Inter-City ATM Network Obtaining ISO Certification for a Branch Articulation of Good Banking Banks Citizen Charter Commissioning of Exclusive Mahila Banking Branch Launching of Exclusive Subsidiary for IT Consultancy Issuing credit card for farmers Providing Agricultural Consultancy Services

Over the years, the Bank has been scaling up its market position to emerge as a major 'Financial Conglomerate' with as many as nine subsidiaries/sponsored institutions/joint ventures in India and abroad. As at September 2011, the Bank has further expanded its domestic presence, with 3432 branches spread across all geographical segments. Keeping customer convenience at the forefront, the Bank provides a wide array of alternative delivery channels that include 2623 ATMs, covering 899 centres. With 100% CBS, the Bank offers technology banking, such as, Internet Banking and Funds Transfer through NEFT and RTGS across all branches. The Bank has further enhanced its basket of new tech-products for customer convenience like Canara Gift Cards, Canara Campus Card, Canara Platinum Card, Bills Desk for utility bills payment, Cash withdrawal at Point of Sale (PoS) machines at Merchant Establishments, VISA money transfer and the ASBA (Application Supported by Blocked Amount) facility during FY11.

Not just in commercial banking, the Bank has also carved a distinctive mark, in various corporate social responsibilities, namely, serving national priorities, promoting rural development, enhancing rural self-employment through several training institutes and spearheading financial inclusion objective. Promoting an inclusive growth strategy, which has been formed as the basic plank of national policy agenda today, is in fact deeply rooted in the Bank's founding principles. "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". These insightful words of our founder continue to resonate even today in serving the society with a purpose. The growth story of Canara Bank in its first century was due, among others, to the continued patronage of its valued customers, stakeholders, committed staff and uncanny leadership ability demonstrated by its leaders at the helm of affairs. We strongly believe that the next century is going to be equally rewarding and eventful not only in service of the nation but also in helping the Bank emerge as a "Global Bank with Best Practices". This justifiable belief is founded on strong fundamentals, customer centricity, enlightened leadership and a family like work culture.

Home >> About Us >> History

History
Late Sri Ammembal Subbarao Pai
Our Beloved Founder

Founded as 'Canara Bank Hindu Permanent Fund' in 1906, by late Shri Ammembal Subba Rao Pai, a philanthropist, this small seed blossomed into a limited company as 'Canara Bank Ltd.' in 1910 and became Canara Bank in 1969 after nationalization.

"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.

Founding Principles
1. 2. 3. 4. 5. 6. 7. To remove Superstition and ignorance. To spread education among all to sub-serve the first principle. To inculcate the habit of thrift and savings. To transform the financial institution not only as the financial heart of the community but the social heart as well. To assist the needy. To work with sense of service and dedication. To develop a concern for fellow human being and sensitivity to the surroundings with a view to make changes/remove hardships and sufferings. Sound founding principles, enlightened leadership, unique work culture and remarkable adaptability to changing banking environment have enabled Canara Bank to be a frontline banking institution of global standards.

Significant Milestones
Year 1st July Canara Hindu Permanent Fund Ltd. formally registered with a capital of 2000 shares of 1906 1910 1969 1976 1983 1984 1985 1987 1989 Canara Hindu Permanent Fund renamed as Canara Bank Limited 14 major banks in the country, including Canara Bank, nationalized on July 19 1000th branch inaugurated Overseas branch at London inaugurated Cancard (the Banks credit card) launched Merger with the Laksmi Commercial Bank Limited Commissioning of Indo Hong Kong International Finance Limited Canbank Mutual Fund & Canfin Homes launched Canbank Venture Capital Fund started 50/- each, with 4 employees.

1989-90 Canbank Factors Limited, the factoring subsidiary launched 1992-93 Became the first Bank to articulate and adopt the directive principles of Good Banking. 1995-96 Became the first Bank to be conferred with ISO 9002 certification for one of its branches in Bangalore 2001-02 Opened a 'Mahila Banking Branch', first of its kind at Bangalore, for catering exclusively to the financial requirements of women clientele.

2002-03 Maiden IPO of the Bank 2003-04 Launched Internet Banking Services 2004-05 100% Branch computerization Entered 100th Year in Banking Service. Launched Core Banking Solution in select branches. Number One Position in Aggregate Business among Nationalized Banks. Retained Number One Position in Aggregate Business among Nationalized Banks. Signed MoUs for Commissioning Two JVs in 2006-07 Insurance and Asset Management with international majors viz., HSBC (Asia Pacific) Holding and Robeco Groep N.V respectively. Launching of New Brand Identity. Incorporation of Insurance and Asset Management JVs. Launching of 'Online Trading' portal. 2007-08 Launching of a Call Centre. Switchover to Basel II New Capital Adequacy Framework. 2005-06 2008-09 The Bank crossed the coveted 3 lakh crore in aggregate business. The Banks 3rd foreign branch at Shanghai commissioned. The Banks aggregate business crossed 4 lakh crore mark. 2009-10 Net profit of the Bank crossed 3000 crore. The Banks branch network crossed the 3000 mark. The Banks aggregate business crossed 5 lakh crore mark. Net profit of the Bank crossed 4000 crore. 100% coverage under 2010-11 Core Banking Solution. The Banks 4th foreign branch at Leicester and a Representative office at Sharjah, UAE, opened. The Bank raised 1993 crore under QIP. Govt. holding reduced to 67.72% post QIP.

As at September 2011, the total business of the Bank stood at Home >> About Us >> Board Of Directors

530515 crore.

Board of Directors

Sl. No.

Directors

Photo

Shri. S RAMAN 1 Canara Bank Head Office 112, J C Road BANGALORE - 560 002 Chairman & Managing Director

Smt. ARCHANA S. BHARGAVA 2 Canara Bank Head Office 112, J.C. Road BANGALORE -560002 Email Id: edscrt@[Link] Profile Shri. ASHOK KUMAR GUPTA 3 Canara Bank Head Office 112, J.C. Road BANGALORE -560002 Executive Director Executive Director

Dr. THOMAS MATHEW 4 Joint Secretary (CM) Ministry of Finance Government of India Dept. of Economic Affairs North Block NEW DELHI - 110 001 MEENA HEMACHANDRA 5 CGM-in-charge, Reserve Bank of India, Foreign Exchange Department, Central Office, Central Office Building, 11th Floor, Fort, MUMBAI - 400001 Shri. G.V. SAMBASIVA RAO 6 Special Assistant, Canara Bank, Abid Road Branch, Hyderabad - 500001 Workmen Employee Director Director representing Reserve Bank of India Director representing Government of India

Shri. G.V. MANIMARAN Manager Canara Bank IIT Branch Chennai - 600 036 Officer Employee Director

Shri. KHALID LUQMAN BILGRAMI Chartered Accountant 1042, Sector-A, Pocket A Vasant Kunj NEW DELHI -110070
Part -time Non-Official Director

Shri. SUTANU SINHA Senior Director(Academics & Professional Development) The Institute of Company Secretaries of India ICSI House, 22 Institutional Area Lodi Road NEW DELHI - 110003 Part Time Non Official Director

10

Shri. P. V. MAIYA Flat No.106, Sowmya Springs,5/2 Dewan Madhav Rao Road Basavanagudi BANGALORE - 560 004 Director Representing Shareholders

11

Shri. SUNIL GUPTA House No.82, Sector 17, PANCHKULA - 134109 HARYANA Shareholder Director

Home >> About Us >> Vision & Mission

Vision & 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.

Home >> About Us >> Awards & Achievements

Awards & Achievements

Received during 2011-12

Canara Bank was awarded coveted skoch award for financial inclusion on 5.01.2012 at New Delhi. The award was handed over by Dr C Rangarajan, Chairman Prime Ministers. Economic Advisory Council to Smt Archana Bhargava Executive Director Canara Bank in a glittering function held at New Delhi. The other dignitaries present on the occasion were Dr D Damodaran Former Chairman SEBI, Dr Govinda Rao, Mr Yogesh Aggarwal Chairman PFRDA. A certificate of merit was handed over to S S Bhat General Manager Financial Inclusion Wing for Canara Banks role in providing Access to Banking and Financial Services. Citation reads as "Canara Bank has a hand in every arena when it comes to promoting financial inclusion through skilling and self employment. During last one year it has shown significant improvement in its financial inclusion efforts. " Canara Bank deems it a great honour and would redouble its efforts for the cause of financially excluded

The Bank was conferred with National Award - 2011 for excellence in the field of Khadi and Village Industries Best Bank, South Zone for PMEGP.

Corporate Social Responsibility Award-2011 to CANARA BANK

Received during 2010-11

Awards/Accolades

Canara Utsav & SLBC Kerala-Declaration of total banking coverage

bags Indira Gandhi Rajbhasha shield 2009-10

Canara Bank

The Bank has been conferred with the Second Best Bank Award under National Awards for Excellence in lending to Micro Enterprises for the year 2009-10, by the Ministry of MSME and Outstanding Performer at National level for implementation of Interest Subsidy Eligibility Scheme (ISEC) of KVIC in the country for 200910.

The Bank was conferred 4 awards by the Public Relations Council of India (PRCI), in the following categories

Silver Award for Corporate Film ( TV Commercial ) English Bronze Award for House Journal/Magazine Languages Bronze Award for Table Calendar Bronze Award for Corporate Advertisement Single - English

SPECIFIC ACHIEVEMENTS PERTAINING TO RECOVERY WING ARE AS FOLLOWS: 1. CASH RECOVERY OF Rs.750 CRORE ACHIEVED DURING JUNE 2011 QUARTER WHICH IS ALL TIME HIGH FOR ANY PARTICULAR QUARTER. 2. ON LINE AUCTION OF SECURED ASSETS INTRODUCED AND IMPLEMENTED UNDER SARFAESI.

ACHIEVEMENT OF INSPECTION WING: Total No. of Branches / Units risk rated : 3378

No. of LOW Risk branches: 2009

% of LOW Risk branches : 59.47 %

No. of HIGH Risk branches : 1

Audit / Inspection conducted as per the audit plan and there is no backlog.

The concurrent audit of 494 branches cover 79 % of advances and 53 % of deposits of the Bank. Priority Sector Performance A. B. Priority Sector Advances : Performance as at March 2011 Highlights of Priority Sector Performance in last 3 years.

o o o

Bank has achieved hat-trick by crossing all mandated, SoI and Internal Targets in Priority Credit. Bank has doubled the growth under Agriculture in 2009-10 compared to 2008-09. The Agriculture disbursement in FY 07-08 was Rs.11443 crore while in it in FY 10-11 Rs. 22374Crores, which is almost doubled in a period of 3 years.

Education loan stood at Rs.3503 crore, compared to O/s level of Rs.1737 crore for Mar 08 more than doubled in 3 years.

o
C.

Weaker Sections, SC/ST and Minority advances also more than doubled in 3 years.

Priority Sector Lending in last 4 years

D.

Growth in Priority Sector Lending over last 3 years

Outstandings Segments March'2008 March2011 Priority Agriculture Direct Agri Education Micro Credit Weaker Sections SC/STs Minority Agri Disbursement 43,203 17,996 12,897 1,737 173 7,528 2,055 4,551 11,443 70,757 29,656 22,669 3,503 339 17,823 5,087 11,718 22,374 QTM % Growth

27,554 63.78 11,660 64.79 9,772 75.77

1,766 101.67 166 95.95

10,295 136.76 3,032 147.54 7,167 157.48 10,931 95.53

E. F. Corporate Social Responsibility of the Bank

G. Performance of Regional Rural Banks, sponsored by Canara Bank (Performance for the year ended March 2011) H. A W A R D S:

o o o o o o o o

FICCI AWARD FOR OUTSTANDING CONTRIBUTION TO RURAL DEVELOPMENT GOLDEN PEACOCK AWARD FOR BEST CORPORATE SOCIAL RESPONSBILITY SOCIAL AND CORPORATE GOVERNACE AWARD AMITY INTERNATIONAL BUSINESS SCHOOL CSR AWARD FICCI SEDF BUSINESS WORLD SECOND BEST CORPORATE CITIZEN AWARD NATIONAL MASTER CRAFTSMAN AWARD KAMALADEVI CHATTOPADHYAYA AWARD RECOGNITION BY GOVERNMENT OF INDIA AS NODAL SELF EMPLOYMENT TRAINING CENTRES

Home >> About Us >> Shareholder Information

Shareholder Information

NOTICE FOR THE NINTH ANNUAL GENERAL MEETING OF SHAREHOLDERS OF CANARA BANK Financial Results Annual Reports Shareholding Pattern Corporate Governance Financial Results as on 31-03-2011 Code of Conduct for all members of core Management Team FAQs

LISTING: Canara Bank Shares are listed at Mumbai and National Stock exchanges. ADDRESS OF COMPANY SECRETARY: The Company Secretary, Secretarial Department, Chairman & Managing Director's Secretariat, Head Office, 112, [Link], Bangalore - 560 002.

Phone :

080- 2210 0250

Fax 080- 22248831 [Link] :hosecretarial@[Link] (Exclusive E-Mail ID designated for investors' grievances / complaints pursuant to Clause 47(f) of the Listing Agreement with the Stock Exchanges) In terms of Clause 47 (a) of the Listing Agreement, Shri B Nagesh Babu, Company Secretary is the Compliance Officer of the Bank. SHARE TRANSFER AGENTS : The Bank has appointed M/s. Karvy Computershare Private Limited, Plot No. 17 to 24, Vittal Rao Nagar, Madhapur, Hyderabad - 500 081 as its share transfer agent to whom communications regarding change of address, change in Bank Mandate, transfer of shares , Mandate for ECS etc. should be addressed.

Phone No.:

040 - 44655000

Fax: 040-23420814 Email: [Link]@[Link] SHARE TRANSFER SYSTEM Interms of SEBI guidelines, the Registrar and Transfer agent of the Bank is extending the facility of simultaneous transfer -cum dematerialisation of shares to the investors. On transfer of shares in the name of the transferee , they are being apprised to submit letters to their depository participants for dematerialisation of shares. On receipt of Demat request forms, the shares are dematerialised and confirmation through electronic mode is sent. If the demat request number is not received within a period of 30 days, the duly

transfered share certificate is despatched to the transferee. PAN requirement for transfer of shares in Physical Form : As per the guidelines of the Securities and Exchange Board of India (SEBI), for securities market transactions and off-market / private transactions involving transfer of shares in physical form, it shall be mandatory for the transferee/s to furnish copy of PAN Card to the Registrars and Transfer Agents (RTA) for registration of such transfer of shares.

Further, it shall be mandatory to furnish a copy of PAN in the following cases : -

1. Deletion of name of the deceased shareholder(s), where the shares are held in the name of two or more shareholders. 2. Transmission of shares to the legal heir(s), where deceased shareholder was the sole holder of shares. [Link] of shares - when there is a change in the order of names in which physical shares are held jointly in the names of two or more shareholders. DETAILS REGARDING DEPOSITORIES:

Names of Depositories for Dematerialisation: 1. 2. National Securities Depository Ltd (NSDL) Central Depository Services (India) Ltd (CDSL)

The Bank has entered into an agreement with National Securities Depository Ltd and Central Depository Services (India)Ltd as an issuer company for Dematerialisation of Bank shares. In accordance with the directions of the Securities and Exchange Board of India, trading in Canara Bank Shares by all categories of Investors will only be permitted in dematerialised form. MEANS OF COMMUNICATION:
Quarterly financial results are published in leading English Dailies and in Regional Language Newspaper based in Bangalore as also put on Website of the Bank - [Link]

Home >> About Us >> Foreign Branches

Foreign Branches
BRANCHES AND OFFICES ABROAD
Canara Bank established its International Division in 1976, to supervise the functioning of its various foreign departments, to give required thrust to foreign exchange business, particularly exports and to meet the requirements of NRIs.

Though small in size, the Bank's presence abroad has brought in considerable foreign business, particularly NRI deposits.

The Bank has its presence abroad, as under:

CANARA BANK, LONDON BRANCH P O BOX NO. 174, GROUND FLOOR, NO. 10 CHISWELL STREET, LONDON EC 1Y 4UQ PH: 0044 207 628 1145 / 0044 207 628 4103

FAX: 0044 207 374 2468 / 0044 207 256 6620 E-MAIL :canarabankldn@[Link]

CANARA BANK, LEICESTER BRANCH, 188, BELGRAVE ROAD, LEICESTER LE4 5AU - THE UNITED KINGDOM PH: 0044 116 2663799

FAX: 0044 116 2666736 E-MAIL :canarabankldn@[Link]

CANARA BANK HONG KONG BRANCH No. 904, AON CHINA BUILDING 29, QUEENS ROAD CENTRAL, HONG KONG PH: 00852 2529 1398 / 00852 2529 6225

FAX: 00852 2529 1921 E-MAIL : canarabank@[Link]

CANARA BANK SHANGHAI BRANCH 2601, BANK OF SHANGHAI MANSION, 168, MIDDLE YINCHENG ROAD, LUJIAZUI, PUDONG, SHANGHAI 200 120, PRC PH: 008621 52080806 / 008621 68596017

E-MAIL :canarashanghai@[Link]

CANARA BANK SHARJAH REPRESENTATIVE OFFICE, UAE , Flat No. 504, 5th FLOOR, AL MEENA ROAD, AL SOOR AREA, SHARJAH, UAE Ph: 009716 575 6521

Fax: 009716 575 6523 E-MAIL :canarash@[Link]

COMMERCIAL BANK OF INDIA LLC (A JOINT VENTURE WITH STATE BANK OF INDIA) 109147 MOSCOW UL MARXISTSKAYA 16 PH 007495 230 6032 , 230 6335

E-MAIL :[Link]@[Link]

AL RAZOUKI INTERNATION EXCHANGE CO (secondment agreement and DD drawing facility on Canara Bank branches) HEAD OFFICE SHOP NO 1 & 2 KHYBER BUILDING OPP. RAFFA POLICE STATION NEAR BUR DUBAI TAIX STAND RAFFA DUBAI UAE PH: 009714 3934405 , 3932331

FAX: 009714 3939033 E-MAIL :arieco@[Link]

EASTERN EXCHANGE ESTABLISHMENT Jaidah Towers, PO BOX 454, DOHA, QATAR PH: 00974 4412655 , 4323354

FAX: 00974 4431314 E-MAIL :eastenx@[Link]

Canara Bank has also introduced new money transfer facilities known as

Western Union Money Transfer Facility

Electronic Fund Transfer Facility

Home >> About Us >> Subsidiaries

Subsidiaries
1. CANARA ROBECO ASSET MANAGEMENT COMPANY LIMITED
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2.

CANBANK FINANCIAL SERVICES LIMITED

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3.

CANARA BANK SECURITIES LIMITED

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4.

CANBANK COMPUTER SERVICES LIMITED

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5.

CAN FIN HOMES LIMITED

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6.

CANBANK FACTORS LIMITED

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7.

CANBANK VENTURE CAPITAL FUND LIMITED

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