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Case Study on Canara Bank- SWOT Analysis
Project Report on Finance Topic-Canara Bank-A Study on Ratio Analysis
SWOT ANALYSIS OF CANARA BANK
Strengths
Canara Bank
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Company Data
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- High performance financially.
- Comfortable capital adequacy ratio.
- Potential for political interference.
- Limited presence in western India.
- Drive to increase its overseas presence.
- The bank may expand into western regions.
- The bank has been one of the fastest to increase infrastructure lending in recent years, ahead of its rivals.
- The gradual entry of foreign banks, operating more fully, from 2009.
- Continued global economic downturn.
Canara Bank, based in Bangalore, is India's 11th largest bank in terms of market capitalisation. It was founded in 1906 and nationalised in 1969. It has nine subsidiaries, sponsored institutions and joint ventures in India and abroad. The bank has over 3,000 branches and more than 2,000 ATMs. Of these branches, 1,362 have internet and mobile banking services and 2,062 offer Anywhere Banking services. All of its branches offer real-time gross settlement and national electronic funds transfer facilities.
Canara increased its lending in the infrastructure sector in 2009, rising by 59% y-o-y in July-August that year. The bank is expected to continue increasing its project financing, which tends to bring stable, albeit relatively low, returns.
Canara has expanded its insurance operation, a joint venture with Oriental Bank of Commerce (OBC) and HSBC, to the rural populations in Uttar Pradesh and Karnataka. The expansion in December 2009 includes the joint venture collaborating with rural banks Shreyas Gramin Bank and Pragathi Gramin Bank, accessing their customer base through a combined network of around 550 branches.
The bank established 283 new branches in 2009, with the majority opening in the fourth quarter. Nonetheless, the bank has a limited presence in western India, where it intends to expand in future, possibly through acquisitions.
The bank has identified 21 locations where it wishes to expand globally. Canara has obtained approval from the RBI to open branches or offices in Johannesburg, Frankfurt, Muscat, Manama, Qatar Financial Centre, Leicester, New York, São Paulo, Dar es Salaam and Tokyo.
Table:
Stock Market Indicators
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|||||||
2004
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2005
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2006
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2007
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2008
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2009
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Oct
2010
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Market Capitalisation, INR
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87,166.00
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98,912.50
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113,242.01
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135,894.50
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77,121.00
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159,387.50
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261,928.49
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Market Capitalisation, US$
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2,005.66
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2,195.62
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2,558.56
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3,447.79
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1,584.41
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3,425.66
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5,883.39
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Share Price, INR
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212.60
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241.25
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276.20
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331.45
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188.10
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388.75
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638.85
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Share Price, US$
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4.89
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5.36
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6.24
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8.41
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3.86
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8.36
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14.35
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Share Price, % change (eop)
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63.63
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9.47
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16.53
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34.75
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-54.05
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116.21
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Change, year-to-date
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18.48
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||||||
Shares Outstanding (mn)
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410.00
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410.00
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410.00
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410.00
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410.00
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410.00
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410.00
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Source: Canara Bank, Bloomberg
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Table:
Balance Sheet (INRmn, unless stated)
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2004
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2005
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2006
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2007
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2008
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2009
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Total Assets
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1,013,315
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1,111,047
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1,337,700
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1,665,421
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1,809,214
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2,204,525
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Loans & Mortgages
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475,599.7
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608,052.1
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800,254.5
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988,643.4
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1,076,143.0
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1,383,221.0
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Total Deposits
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850,578.6
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949,971.2
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1,145,810.0
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1,396,425.0
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1,503,320.0
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1,830,786.0
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Total Shareholders' Equity
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58,746.96
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65,084.12
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76,018.25
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108,860.60
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108,790.00
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127,626.80
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Earnings per share (INR)
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33.64
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33.27
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33.65
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37.28
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43.79
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49.81
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Source: Canara Bank, Bloomberg
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Table:
Balance Sheet (US$mn, unless stated)
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||||||
2004
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2005
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2006
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2007
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2008
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2009
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Total Assets
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23,241.18
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25,398.27
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29,978.14
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38,309.75
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45,106.30
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43,451.75
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Loans & Mortgages
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10,908.25
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13,899.92
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17,933.88
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22,741.81
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26,829.8
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27,263.65
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Total Deposits
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19,508.68
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21,716.11
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25,677.86
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32,122.03
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37,479.93
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36,085.26
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Total Shareholders' Equity
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1,347.41
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1,487.81
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1,703.59
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2,504.13
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2,712.29
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2,515.56
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Earnings per share (US$)
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0.73
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0.74
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0.76
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0.82
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1.09
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1.09
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Source: Canara Bank, Bloomberg
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Table:
Key Ratios (%)
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2004
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2005
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2006
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2007
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2008
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2009
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Return on Assets
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1.49
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1.28
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1.13
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1.02
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1.03
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1.02
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Return on Equities
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27.30
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22.42
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19.62
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16.59
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16.64
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17.52
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Loan Deposit Ratio
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55.91
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65.20
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70.52
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71.12
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71.83
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75.91
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Loan Asset Ratio
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46.94
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55.74
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60.40
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59.63
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59.69
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63.04
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Equity Asset Ratio
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5.61
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5.83
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5.66
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6.52
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5.92
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5.71
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Total Risk Based Capital Ratio
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12.66
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12.78
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11.22
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13.5
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13.25
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14.1
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Tier 1 Capital Ratio
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7.81
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7.29
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7.81
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7.17
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7.01
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8.01
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Source: Canara Bank, Bloomberg
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