1 dm{f©H$ [anmoQ>© 2014-2015 ANNUAL REPORT 2 CONTENTS 1. NOTICE 3 2. PROGRESS A

1 dm{f©H$ [anmoQ>© 2014-2015 ANNUAL REPORT 2 CONTENTS 1. NOTICE 3 2. PROGRESS AT A GLANCE 15 3. DIRECTORS’ REPORT 2014-2015 16 • MANAGEMENT DISCUSSION AND ANALYSIS 17 • CANARA BANK IN 2014-2015 21 • CHANGES IN THE BOARD OF DIRECTORS 66 • DIRECTORS’ RESPONSIBILITY STATEMENT 68 4. BUSINESS RESPONSIBILITY REPORT 69 5. REPORT OF THE BOARD OF DIRECTORS ON CORPORATE GOVERNANCE 94 6. AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE 117 7. STANDALONE FINANCIAL STATEMENTS • AUDITORS’ REPORT 119 • BALANCE SHEET 123 • PROFIT AND LOSS ACCOUNT 124 • SCHEDULES FORMING PART OF THE BALANCE SHEET 125 • SCHEDULES FORMING PART OF THE PROFIT AND LOSS ACCOUNT 133 • ACCOUNTING POLICIES 135 • NOTES ON ACCOUNTS 144 • PILLAR 3 (BASEL II) DISCLOSURES 198 • PILLAR 3 (BASEL III) DISCLOSURES 238 • CASH FLOW STATEMENT 341 8. CONSOLIDATED FINANCIAL STATEMENTS • AUDITORS’ REPORT 344 • CONSOLIDATED BALANCE SHEET 348 • CONSOLIDATED PROFIT AND LOSS ACCOUNT 349 • SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET 351 • SCHEDULES FORMING PART OF THE CONSOLIDATED PROFIT AND LOSS ACCOUNT 357 • ACCOUNTING POLICIES 359 • NOTES ON ACCOUNTS ON THE CONSOLIDATED FINANCIAL STATEMENTS 372 • CONSOLIDATED CASH FLOW STATEMENT 388 9. MANAGING DIRECTOR AND CEO’s ADDRESS TO SHARE HOLDERS 390 10. LIST OF DP SERVICE CENTRES 392 11. ATTENDANCE SLIP CUM ENTRY PASS 396 12. PROXY FORM 398 ANNUAL REPORT 2014-2015 ÌuÉwÉrÉuÉxiÉÑ 1. lÉÉåÌOûxÉ 3 2. mÉëaÉÌiÉ MüÐ LMü fÉsÉMü 15 3. ÌlÉSåzÉMüÉåÇ MüÐ ËUmÉÉåOïû 2014-2015 16 • mÉëoÉÇkÉlÉ ÌuÉcÉÉU-ÌuÉqÉzÉï uÉ ÌuÉzsÉåwÉhÉ 17 • MåülÉUÉ oÉæÇMü uÉwÉï 2014-2015 qÉåÇ 21 • ÌlÉSåzÉMü qÉÇQûsÉ qÉåÇ mÉËUuÉiÉïlÉ 66 • ÌlÉSåzÉMüÉåÇ Måü SÉÌrÉiuÉ uÉ£üurÉ 68 4. MüÉUÉåoÉÉU E¨ÉUSÉÌrÉiuÉ ËUmÉÉåOïû 69 5. MüÊmÉÉåïUåOû aÉuÉlÉåïlxÉ mÉU ÌlÉSåzÉMü qÉÇQûsÉ MüÐ ËUmÉÉåOïû 94 6. MüÊmÉÉåïUåOû aÉuÉlÉåïlxÉ mÉU sÉåZÉÉmÉUϤÉMüÉåÇ MüÐ ËUmÉÉåOïû 117 7. LMüsÉ ÌuɨÉÏrÉ ÌuÉuÉUhÉ • sÉåZÉÉ mÉUϤÉMüÉåÇ MüÐ ËUmÉÉåOïû 119 • iÉÑsÉlÉ mÉ§É 123 • sÉÉpÉ uÉ WûÉÌlÉ ZÉÉiÉÉ 124 • iÉÑsÉlÉ mÉ§É MüÉ AÇzÉ oÉlÉlÉåuÉÉsÉÏ AlÉÑxÉÔÍcÉrÉÉð 125 • sÉÉpÉ uÉ WûÉÌlÉ ZÉÉiÉå MüÉ AÇzÉ oÉlÉlÉåuÉÉsÉÏ AlÉÑxÉÔÍcÉrÉÉð 133 • sÉåZÉÉÇMülÉ lÉÏÌiÉrÉÉð 135 • sÉåZÉÉ xÉÇoÉÇkÉÏ ÌOûmmÉÍhÉrÉÉð 144 • xiÉÇpÉ 3 (oÉÉxÉåsÉ II) mÉëMüOûlÉ 198 • xiÉÇpÉ 3 (oÉÉxÉåsÉ III) mÉëMüOûlÉ 238 • lÉMüS mÉëuÉÉWû ÌuÉuÉUhÉ 341 8. xÉqÉåÌMüiÉ ÌuɨÉÏrÉ ÌuÉuÉUhÉ • sÉåZÉÉmÉUϤÉMüÉåÇ MüÐ ËUmÉÉåOïû 344 • xÉqÉåÌMüiÉ iÉÑsÉlÉ mÉ§É 348 • xÉqÉåÌMüiÉ sÉÉpÉ uÉ WûÉÌlÉ ZÉÉiÉÉ 349 • xÉqÉåÌMüiÉ iÉÑsÉlÉ mÉ§É MüÉ AÇzÉ oÉlÉlÉåuÉÉsÉÏ AlÉÑxÉÔÍcÉrÉÉð 351 • xÉqÉåÌMüiÉ sÉÉpÉ uÉ WûÉÌlÉ ZÉÉiÉå MüÉ AÇzÉ oÉlÉlÉåuÉÉsÉÏ AlÉÑxÉÔÍcÉrÉÉð 357 • sÉåZÉÉÇMülÉ lÉÏÌiÉrÉÉð 359 • xÉqÉåÌMüiÉ ÌuɨÉÏrÉ ÌuÉuÉUhÉÉåÇ mÉU sÉåZÉÉ xÉÇoÉÇkÉÏ ÌOûmmÉÍhÉrÉÉð 372 • xÉqÉåÌMüiÉ lÉMüS mÉëuÉÉWû ÌuÉuÉUhÉ 388 9. mÉëoÉÇkÉ ÌlÉSåzÉMü AÉæU xÉÏDAÉå MüÉ zÉårÉUkÉÉUMüÉåÇ MüÉå xÉÇoÉÉåkÉlÉ 390 10. ÌlɤÉåmÉÉaÉÉU (QûÏmÉÏ) xÉåuÉÉ MåülSìÉåÇ MüÐ xÉÔcÉÏ 391 11. EmÉÎxjÉÌiÉ mÉcÉÏï xÉWû mÉëuÉåzÉ mÉÉxÉ 395 12. mÉëÊYxÉÏ TüÉqÉï 397 dm{f©H$ [anmoQ>© 2014-2015 3 NOTICE Notice is hereby given that the Thirteenth Annual General Meeting of the Shareholders of Canara Bank will be held on Tuesday, the 14th July, 2015 at 3.30 P.M. at Auditorium-1, NIMHANS CONVENTION CENTRE, Hosur Main Road, Hombegowda Nagar, Bengaluru – 560 029 , to transact the following business: 1. To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2015, Profi t & Loss account for the year ended 31st March 2015, the Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditors’ Report on the Balance Sheet and Accounts. 2. To declare dividend for the fi nancial year 2014-15. 3. To consider and if thought fi t, to pass with or without modifi cations the following special resolution: “RESOLVED THAT pursuant to the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (Act), The Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 (Scheme) and the Canara Bank (Shares and Meetings) Regulations, 2000 as amended from time to time and subject to the approvals, consents, permissions and sanctions, if any, of the Reserve Bank of India (“RBI”), the Government of India (“GOI”), the Securities and Exchange Board of India (“SEBI”), and/or any other authority as may be required in this regard and subject to such terms, conditions and modifi cations thereto as may be prescribed by them in granting such approvals and which may be agreed to by the Board of Directors of the Bank and subject to the regulations viz., SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 (ICDR Regulations) as amended up to date, guidelines, if any, prescribed by the RBI, SEBI, notifi cations/circulars and clarifi cations under the Banking Regulation Act, 1949, Securities and Exchange Board of India Act, 1992 and all other applicable laws and all other relevant authorities from time to time and subject to the Listing Agreements entered into with the Stock Exchanges where the equity shares of the Bank are listed, consent of the shareholders of the Bank be and is hereby accorded to the Board of Directors of the Bank (hereinafter called “the Board” which shall be deemed to include any Committee which the Board may have constituted or hereafter constitute to exercise its powers lÉÉåÌOûxÉ LiɲÉUÉ lÉÉåÌOûxÉ ÌSrÉÉ eÉÉiÉÉ Wæû ÌMü MåülÉUÉ oÉæÇMü Måü zÉårÉUkÉÉUMüÉåÇ MüÐ iÉåUWûuÉÏÇ uÉÉÌwÉïMü xÉÉqÉÉlrÉ oÉæPûMü qÉÇaÉsÉuÉÉU, 14 eÉÑsÉÉD 2015 MüÉå 3.30 oÉeÉå xÉpÉÉaÉ×Wû – 1, ÌlÉqÉWÇûxÉ, MÇüuÉåÇxÉlÉ xÉåÇOûU, WûÉåxÉÔU qÉålÉ UÉåQû, WûÉåqoÉåaÉÉæQûÉ lÉaÉU, oÉåÇaÉsÉà – 560 029 qÉåÇ AÉrÉÉåÎeÉiÉ MüÐ eÉÉLaÉÏ, ÎeÉxÉMüÉ E¬åzrÉ ÌlÉqlÉÉÇÌMüiÉ MüÉUÉåoÉÉU MüÉ xÉÇcÉÉsÉlÉ MüUlÉÉ Wæû: 1. rÉjÉÉ 31 qÉÉcÉï 2015 MüÉå oÉæÇMü Måü sÉåZÉÉmÉUÏͤÉiÉ iÉÑsÉlÉ mɧÉ, 31 qÉÉcÉï 2015 MüÉå xÉqÉÉmiÉ uÉwÉï Måü sÉÉpÉ uÉ WûÉÌlÉ sÉåZÉå mÉU, iÉÑsÉlÉ mÉ§É uÉ sÉåZÉÉåÇ mÉU sÉåZÉÉ iÉjÉÉ sÉåZÉÉmÉUϤÉMüÉåÇ MüÐ ËUmÉÉåOïû ²ÉUÉ mÉëÉuÉËUiÉ AuÉÍkÉ Måü ÍsÉL oÉæÇMü Måü MüÉrÉÉåïÇ uÉ Ì¢ürÉÉMüsÉÉmÉÉåÇ Måü xÉÇoÉÇkÉ qÉåÇ ÌlÉSåzÉMü qÉÇQûsÉ MüÐ ËUmÉÉåOïû mÉU cÉcÉÉï AlÉÑqÉÉåSlÉ uÉ AÇaÉÏM×üiÉ MüUlÉÉ | 2. ÌuɨÉÏrÉ uÉwÉï 2014 -15 Måü ÍsÉL sÉÉpÉÉÇzÉ bÉÉåÌwÉiÉ MüUlÉÉ | 3. ÌlÉqlÉÉÇÌMüiÉ ÌuÉzÉåwÉ xÉÇMüsmÉ mÉU ÌuÉcÉÉU MüUlÉÉ AÉæU rÉÌS EÍcÉiÉ mÉÉrÉÉ aÉrÉÉ iÉÉå xÉÇzÉÉåkÉlÉ xÉÌWûiÉ rÉÉ UÌWûiÉ ExÉå mÉÉËUiÉ MüUlÉÉ: “xÉÇMüsmÉ ÍsÉrÉÉ eÉÉiÉÉ Wæû ÌMü xÉÇMüsmÉ ÍsÉrÉÉ eÉÉiÉÉ Wæû ÌMü” ” oÉæÇÌMÇüaÉ MÇümÉlÉÏ (EmÉ¢üqÉÉåÇ MüÉ AeÉïlÉ LuÉÇ AÇiÉUhÉ) AÍkÉÌlÉrÉqÉ 1970 (AÍkÉÌlÉrÉqÉ), UɹíÏrÉM×üiÉ oÉæÇMü (mÉëoÉÇkÉlÉ AÉæU ÌuÉÌuÉkÉ mÉëÉuÉkÉÉlÉ) rÉÉåeÉlÉÉ, 1970 (rÉÉåeÉlÉÉ) AÉæU MåülÉUÉ oÉæÇMü (zÉårÉU LuÉÇ oÉæPûMåÇü) ÌuÉÌlÉrÉqÉÉuÉsÉÏ 2000 Måü mÉëÉuÉkÉÉlÉÉåÇ Måü AlÉÑxÉUhÉ qÉåÇ iÉjÉÉ pÉÉUiÉÏrÉ ËUÄeÉuÉï oÉæÇMü ("AÉUoÉÏAÉD"), ("AÉUoÉÏAÉD"), pÉÉUiÉ xÉUMüÉU ("eÉÏAÉåAÉD"), ("eÉÏAÉåAÉD"), pÉÉUiÉÏrÉ mÉëÌiÉpÉÔÌiÉ ÌuÉÌlÉqÉrÉ oÉÉåQïû ("xÉåoÉÏ") ("xÉåoÉÏ") AÉæU/ rÉÉ CxÉ xÉÇoÉÇkÉ qÉåÇ AmÉåͤÉiÉ AlrÉ ÌMüxÉÏ mÉëÉÍkÉMüUhÉ Måü AlÉÑqÉÉåSlÉ, xÉWûqÉÌiÉ AÉæU qÉÇeÉÔUÏ Måü AkÉÏlÉ LuÉÇ LåxÉå AlÉÑqÉÉåSlÉ mÉëSÉlÉ MüUlÉå Måü ÍsÉL ElÉMåü ²ÉUÉ ÌlÉkÉÉïËUiÉ LåxÉÏ zÉiÉÉåïÇ AÉæU ElÉ mÉU xÉÇzÉÉåkÉlÉÉåÇ Måü AkÉÏlÉ AÉæU ÎeÉlÉxÉå oÉæÇMü MüÉ ÌlÉSåzÉMü qÉÇQûsÉ xÉWûqÉiÉ WûÉå iÉjÉÉ pÉÉUiÉÏrÉ ËUÄeÉuÉï oÉæÇMü, xÉåoÉÏ AÉæU mÉëÉxÉÇÌaÉMü AlrÉ xÉpÉÏ mÉëÉÍkÉMüUhÉÉåÇ ²ÉUÉ xÉqÉrÉ xÉqÉrÉ mÉU ÌlÉkÉÉïËUiÉ ÌuÉÌlÉrÉqÉÉåÇ AjÉÉïiÉç xÉåoÉÏ (mÉÔðeÉÏ ÌlÉaÉïqÉlÉ AÉæU mÉëMüOûÏMüUhÉ AmÉå¤ÉÉLÇ) ÌuÉÌlÉrÉqÉÉuÉsÉÏ, 2009 (AÉD xÉÏ QûÏ AÉU ÌuÉÌlÉrÉqÉÉuÉsÉÏ)/ÌSzÉÉÌlÉSåïzÉÉåÇ, rÉÌS MüÉåD WûÉå, Måü AkÉÏlÉ oÉæÇÌMÇüaÉ ÌuÉÌlÉrÉqÉlÉ AÍkÉÌlÉrÉqÉ 1949, pÉÉUiÉÏrÉ mÉëÌiÉpÉÔÌiÉ AÉæU ÌuÉÌlÉqÉrÉ oÉÉåQïû AÍkÉÌlÉrÉqÉ 1992 AÉæU xÉpÉÏ AlrÉ sÉÉaÉÔ ÌlÉrÉqÉ iÉjÉÉ xÉpÉÏ xÉÇoÉ® mÉëÉÍkÉMüÉUÉåÇ Måü AkÉÏlÉ AÍkÉxÉÔcÉlÉÉLÇ / mÉËUmÉ§É AÉæU xmɹÏMüUhÉ iÉjÉÉ ElÉ xOûÊMü LYxcÉåÇeÉÉåÇ Måü xÉÉjÉ ÌMürÉå aÉrÉå xÉÔcÉÏMüUhÉ MüUÉU Måü AkÉÏlÉ, eÉWûÉð oÉæÇMü Måü DÎYuÉOûÏ zÉårÉUÉåÇ MüÉ xÉÔcÉÏMüUhÉ ÌMürÉÉ aÉrÉÉ Wæû , LiÉS ²ÉUÉ oÉæÇMü Måü zÉårÉUkÉÉUMüÉåÇ MüÐ xÉWûqÉÌiÉ, oÉæÇMü Måü ÌlÉSåzÉMü qÉÇQûsÉ (ÎeÉxÉå rÉWûÉð CxÉMåü oÉÉS "ÌlÉSåzÉMü qÉÇQûsÉ" "ÌlÉSåzÉMü qÉÇQûsÉ" MüWûÉ eÉÉLaÉÉ, ÎeÉxÉ AÍpÉurÉÌ£ü qÉåÇ, CxÉ xÉÇMüsmÉ ²ÉUÉ mÉëS¨É AÍkÉMüÉU xÉÌWûiÉ AmÉlÉå AÍkÉMüÉUÉåÇ MüÉ mÉërÉÉåaÉ MüUlÉå WåûiÉÑ oÉÉåQïû ²ÉUÉ aÉÌPûiÉ MüÐ aÉrÉÏ 4 including the powers conferred by this Resolution) to create, offer, issue and allot (including with provision for reservation on fi rm allotment and/or competitive basis of such part of issue and for such categories of persons as may be permitted by the law then applicable) by way of an offer document / prospectus or such other document, in India or abroad, such number of equity shares and / or preference shares (whether cumulative or not; convertible into equity shares or not) in accordance with the guidelines framed by RBI from time to time, specifying the class of preference shares, the extent of issue of each class of such preference shares, whether perpetual or redeemable, the terms & conditions subject to which each class of preference shares may be issued and / or other permitted securities which are capable of being converted into equity or not, upto `1500 Crore (as decided by the Board or Committee of the Board of the Bank) which together with the existing Paid-up Equity share capital of `515.20 Crore will be within `3000 Crore, being the ceiling in the Authorised Capital of the Bank as per section 3 (2A) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 or to the extent of enhanced Authorised Capital as per the Amendment (if any ), that may be made to the Act in future, in such a way that the Central Government shall at all times hold not less than 52% of the paid-up Equity capital of the Bank, whether at a discount or premium to the market price, in one or more tranches, including to one or more of the members, employees of the Bank, Indian nationals, Non-Resident Indians (“NRIs”), Companies, private or public, investment institutions, Societies, Trusts, Research organisations, uploads/Finance/ shivu-2.pdf

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• Publié le Oct 04, 2022
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