NAME FAUZIA SHAIKH RUBINA KHAN KARL FERNANDES JAYESH DIWALKAR

ROLL NO 17 11 05 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.

INTRODUCTION

It is an exclusive division of Canara Bank, consisting of professionally qualified personnel for appraising agro-based projects and to provide consultancy. ACS is the first ever Consultancy Cell for Agriculture & Allied Activities in the entire banking sector in India. Established in 1988, Agricultural Consultancy Services today, is one of the premier consultancy outfits in the country. The Division, in the last 20 years, has handled more than 800 projects in the sectors like Floriculture, Mushroom, Dairy, Poultry, Plantation Projects, Food Processing, Bio-technology, Cold Storage, Fisheries, etc. which included public issue appraisals also. The appraisal reports of this innovative arm of the Bank are accepted by all Banks and Financial Institutions.

Climate change
SERVING TO GROW, GROWING TO SERVE It is about History of Canara Bank like 1. When Canara Bank emerged? And how? 2. The person who established Canara bank? 3. Which key & Attributes Launched by Canara bank? 4. Product & Services Launched by the

Late Shri Ammembal Subba Rao Pai

Canara Bank Head Office 112, J C Road BANGALORE - 560 002

index
Awards Loans Credit

& achievement

card Marketing strategies Few new products for rebuilding Challenges of canara bank

Awards & achievements

First rank in India's best bank under the category Strength and Soundness 20062007 Best performing bank under RURAL EMPLOYMENT GENERATION PROGRAMME (REGP), 2007-2008 Golden Peacock National Training Award 2008 Global HR excellence in Training 2008 Best Corporate Social Responsibility Practice Award

LOANS
Personal

loan Home loan Consumer loan Vehicle loan Educational loan Agricultural loan

CREDIT CARD
CANCARD

VISA CLASSIC CANCARD VISA CORPORATE CANCARD MASTER CARD CANCARD VISA INTERNATIONAL GOLD

Marketing strategy of Canara bank

Canara bank serving it customers since July 1906 Strong marketing position The 101 year canara bank embrace modernity. Bank had undertaken Brand Building exercise to improve the visibility and ensure adherence to Global Benchmarks. Every circle is provided with marketing

Marketing Strategies

Initiative have been taken in the creation of the host of customer centric technologies. The Banks customer relationship management in select branches (CRM). A dedicated call centre has also been implemented for better customer service. The bank has introduced several customized and technology driven products to cater to different client segments.

FEW NEW PRODUCTS FOR REBUILDING

1. 2. 3. 4. 5.

Can Champ Canara Centenary Deposit S-B Gold Deposit Scheme Can Premium Current Account Canara Guide

KEY PEOPLE OF CANARA BANK

Challenges
The pressure bank facing in competing with players one rung above them like State Bank Of India Punjab National Bank Bank of Baroda Union Bank of India Bank 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 SHEET
March 09
Sources of funds
Owners fund Equity share capital Share Application money Preference Share Capital Reserves & Surplus 410.00 410.00 410.00 410.00 410.00

March 08

March 07

March 06

March 05

_
_ 9,629.61

_
_ 7,885.63

_
_ 7,701.11

_
_ 6,608.86

_
_ 5,582.04

LOAN FUNDS
Secured loans Unsecured loans

_
1,86,892.51 1,96,932.1

_
1,54,072.42 1,62,368.06

_
1,42,381.45 1,50,492.57

_
1,16,803.23 1,23,822.09

_
96,908.42 1,02,900.46

Total

USES OF FUNDS
Fixed assets Gross block Less: revaluation reserves Less: accumulated depreciation Net block 4,440.07 2,168.16 1,510.61 761.30 4,254.33 2,204.86 1,337.46 712.01 4,056.39 2,242.87 1,195.04 618.48 1,718.60 113.38 1,030.13 575.09 1,577.53 116.92 904.72 555.90

Capital work- inprogress

Investments

_
57,776.90

_
49,811.57

_
42,225.54

_
36,974.18

_
38,053.88

Net current assets

Current assets, loans & advances Less: current liabilities & provision 4,060.26 13,488.91 2,684.17 13,438.55 2,994.53 11,651.25 2,909.95 8,860.57 2,488.34 7,173.63

Total net current assets

Miscellaneous expenses not written

-9,428.66

-10,754.38

-8,656.72

-5,950.62

-4,685.29

_
49,109.55

_
39,769.21

_
37,187.30

_
31,598.66

_
33,924.48

Total

Notes:
Book value of unquoted Market value quoted investments

Contingents liabilities

1,62,327.15

1,21,010.49

67,811.16

59,323.29

61,564.98

Number of equity share outstanding (Lacs)

4100.00

4100.00

4100.00

4100.00

4100.00

Profit & loss account

Mar 09 Income
Operating income 18,120.85 15,524.19 11,571.85 9,099.08 8,299.02

Mar 08

Mar 07

Mar 06

Mar 05

EXPENSES
Material consumed Material expenses Personal expenses Selling expenses Administrative expenses Expenses capitalized

1,877.15 23.83 1,890.63

1,661.28 45.65 1,789.39

1,609.29 39.28 1,226.51

1,515.30 21.61 1,300.38

1,380.15 14.31 1,388.46

Cost of sales
Operating profit Other recurring income Adjusted PBIT Finance expenses

3,791.61 1,928.00 901.24 2,829.24 12,401.25

3,496.32 1,364.92 750.34 2,115.26 10,662.94

2,875.08 1,359.04 668.65 2,027.69 7,337.73

2,837.29 1,131.79 619.13 1,750.91 5,130.01

2,782.92 1,094.61 357.97 1,452.57 4,421.50

Depreciation
Other writ offs Adjusted PBT Tax charges Adjusted PAT Non recurring items Other non cash adjustments Reported net profit Earning before appropriation Equity dividend Dividend tax

173.64

169.7

148.18

145.03

132.95

2655.59 500.0 2071.59 0.83

1940.29 340.00 1563.92 1.09

1879.51 250.00 1420.32 0.49

1605.88 200.00 1342.83 0.39

1319.63 170.00 1109.09 0.42

2072.42 2072.42 328.00 55.77

1565.01 1565.01 328.00 56.00

1420.81 1420.81 287.00 48.78

1343.22 1343.22 270.60 38.00

1109.50 1109.50 225.50 30.65

Retained earnings

1688.67

1181.01

1085.03

1034.62

853.36

1.

Current Ratio Current Asset Current Liability 4060.26 13488.91 = 0.30%

Ratios

2.

Proprietor Ratio Equity share + Reserve surplus * 100 Fixed asset + Investment + Current Asset 410.00+9629.61 761.30+57776.90+4060.26 10039.61 * 100 62598.46 = 16.09%

3. Debt Equity Ratio Unsecured Loan Equity Share + Reserve & Surplus 186892.51 410.00 + 9629.61 186892.51 10039.61 =18.61 :1 4. Gross Profit Ratio Gross Profit * 100 Net Sales 1928.0 * 100 18120.85 =10.639

5. Net Profit Ratio Net Sales 2072.42 * 100 18120.85 =11.43%

CONCLUSION

In a significant feat, Canara bank was adjudged BEST PUBLIC SECTOR BANK in a survey conducted by FINANCIAL EXPRESS ERNST & YOUNG for 2005-2006, in five 5 broad criteria such as: 1. Growth 2. Credit Quality 3. Strength and Soundness 4. Profitably & Efficiency

Canara Bank is one of the premier banks in the country, accredited with umpteen distinctions.
The present stature of the Bank is due to its strong fundamentals and quality customer orientations. Profit making since inception, the Bank today epitomizes a perfect blend of commercial and social banking. Canara bank is in fact the first bank to conferred FICCI award for contribution to rural development.