Canara Bank · NSE:CANBK
Canara Bank — Q4 FY2026 Earnings Presentation
47 slides from Canara Bank's earnings presentation, May 11, 2026
Slide 1: Letter to Stock Exchanges: Investor Presentation
~ aw Canara Bank ~ "!.11 -1.. o!T ' - " ' ~ q:;. J Ref: SD:69/70/11/12:2026-27 The Vice President BSE Ltd. ;,_,i:-,:;rs,F.- q - A G o ve rn,ne,ri t o4 11'1<1 1.i UrldliP~ e The Vice President Listing Department 11.05.2026 Phiroze Jeejeebhoy Towers National Stock Exchange of India Ltd Dalal Street Ex
Slide 2: Financial Results: Q4 (FY 2025-26)
<hot-a~ Canara Bank Financial Results:Q4 (FY 2025-26) '1'r«'flRcfil{cfi'l~ Together We Can A Legacy of Trust Togetherness Transformation Page 1
Slide 3: Performance Highlights
ijjo@Q(li Performance Highlights Canara Bank TogttherWtCan ₹ in Crore Global Business Global Deposits Global Advances Net Interest Income 12.11% 9.71% 15.30% 3.88% y-o-y y-o-y y-o-y y-o-y 28,06,226 15,68,678 12,37,548 9,808 Operating Profit Net Profit (12M) (12M) Dividend @210% of Paid 12.69 % 5.19
Slide 4: Key Highlights
ipoRJQ(li Key Highlights Canara Bank ffl~lil'~ Together Wt Can ₹ in Crore 19.73% 32.93% 17.55% 26.33% RAM Retail Housing Vehicle y-o-y y-o-y y-o-y y-o-y Credit Credit Loan Loan 7,30,520 2,96,912 1,24,799 26,070 12.85% 12.68% 71 bps 21 bps MSME y-o-y y-o-y y-o-y Slippage EPS CRAR y-o-y decline Credit
Slide 5: Contents
~Q(li Contents Canara Bank \ffiftll{fflif;I~ TogetherWeCan 06-13 Business Performance 15-22 Financial Performance 24-25 Investments 27-32 Asset Quality 34-35 Capital & Shareholding 37-37 Environmental, Social & Governance 39-42 Distribution Network & Digital Footprint 43-43 Subsidiaries & Associates
Slide 6: Business Performance
A Legacy of Trust Togetherness Transformation Business Performance Page 5
Slide 7: Business Performance
ipoRJQ(li Business Performance Canara Bank ffl~lil'~ Together Wt Can ₹ in Crore Growth (%) Parameters Mar'25 Jun'25 Sep'25 Dec’25 Mar’26 Q-o-Q Y-o-Y Global Gross Business 2503194 2540143 2651322 2713594 2806226 3.41 12.11 Domestic Gross Business 2339808 2370884 2476427 2516334 2598048 3.25 11.04 Ove
Slide 8: Domestic Deposit Mix
Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Mar’25 Jun'25 Sep'25 Dec'25 Mar’26 Q-o-Q Y-o-Y Saving Deposits 337135 341696 352195 357742 366581 2.47 8.73 Current Deposits 77841 54045 75920 54617 62223 13.93 (20.06) CASA Deposits 414976 395741 428115 412359 428804 3.99 3.33 Term Deposit 91616
Slide 9: Advances Mix
Advances Mix ₹ in Crore RAM: 59% Mar’26 Retail Growth (%) 24% Parameters Mar’25 Dec’25 Mar’26 Corporate & Others 41% Q-o-Q Y-o-Y Agriculture & Allied MSME 22% RAM Credit 610127 704041 730520 3.76 19.73 13% Retail 223366 273395 296912 8.60 32.93 Agriculture & Allied 246904 270010 275777 2.14 11.69 RA
Slide 10: Mandated Targets under Priority Sector
Mandated Targets under Priority Sector Exceeded the mandated norms in respect of: ➢ Total Priority (43.71% to ANBC against 40.00% norm) ➢ Agriculture (19.52% to ANBC against 18.00% norm) Mandated Norms under ➢ Small and Marginal Farmers (12.55% to ANBC against 10.00% norm) Priority Sector ➢ Non Corp
Slide 11: RAM & Retail Credit
RAM & Retail Credit ₹ in Crore RAM Retail Loans 730520 296912 19.73% 32.93% 610127 223366 Mar'25 Mar'26 Mar'25 Mar'26 Housing Loans Vehicle Loans 124799 26070 17.55% 26.33% 106167 20637 Mar'25 Mar'26 Mar'25 Mar'26 Page 10
Slide 12: Industry Credit
Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Mar’25 Dec'25 Mar’26 Q-o-Q Y-o-Y Infrastructure 139182 137098 128239 (6.46) (7.86) NBFC 138116 151419 157478 4.00 14.02 Textile 18990 19170 19179 0.05 1.00 Iron & Steel 16612 17426 18483 6.07 11.26 Commercial Real Estate 19236 23613 22046 (6.64)
Slide 13: Rating Profile
Rating Profile ₹ in Crore External Ratingwise Distribution of Domestic Advances above ₹ 50 crore* (% of Total rated loan book above ₹ 50 crore) Mar’25 Dec’25 Mar’26 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 246136 83 264236 84 271723 85 BBB 32025 10 2917
Slide 14: Rating Profile of Standard NBFC Domestic Exposure
Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Mar’25 Dec’25 Mar’26 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 134565 98 152188 100 159028 100 BBB 1070 1 57 64 -- -- BB and below 1687 1 35 6 Total 137322 100 152280 100 159098 100 Page
Slide 15: Financial Performance
A Legacy of Trust Togetherness Transformation Financial Performance Page 14
Slide 16: Total Income
Total Income ₹ in Crore Quarterly Cumulative Parameters Growth (%) Growth Mar’25 Jun'25 Sep’25 Dec'25 Mar’26 Mar’25 Mar'26 Q-o-Q Y-o-Y (%) Interest Income 31002 31003 31544 31981 31838 (0.45) 2.70 119755 126366 5.52 Interest on Advances 22807 22618 23081 23597 23951 1.50 5.02 87789 93247 6.22 Intere
Slide 17: Non-Interest Income
Non-Interest Income ₹ in Crore Quarterly Cumulative Parameters Growth (%) Growth Mar’25 Jun’25 Sep’25 Dec’25 Mar'26 Mar’25 Mar’26 Q-o-Q Y-o-Y (%) Fee Based Income 2335 2223 2586 2327 2513 7.99 7.62 8866 9649 8.83 Commission Exchange & Brokerage 465 378 447 408 559 37.01 20.22 1699 1792 5.47 Service
Slide 18: Total Expenses
Total Expenses ₹ in Crore Quarterly Cumulative Parameters Growth (%) Growth Mar’25 Jun’25 Sep’25 Dec’25 Mar’26 Mar’25 Mar’26 (%) Q-o-Q Y-o-Y Interest Expenses 21560 21994 22403 22729 22030 (3.08) 2.18 82683 89156 7.83 Interest Paid on Deposits* 19300 19834 20067 20369 19727 (3.15) 2.21 74409 79997 7
Slide 19: Financials at a Glance
Financials at a Glance ₹ in Crore Quarterly Cumulative Parameters Growth (%) Growth Mar’25 Jun'25 Sep’25 Dec’25 Mar’26 Mar’25 Mar’26 Q-o-Q Y-o-Y (%) Net Interest Income 9442 9009 9141 9252 9808 6.01 3.88 37072 37210 0.37 Total Interest Income 31002 31003 31544 31981 31838 (0.45) 2.70 119755 126366 5
Slide 20: Profitability & Asset Quality Performance
Profitability & Asset Quality Performance 9119 8284 8554 8588 94.19 94.21 6758 93.59 93.17 92.70 5004 5155 4752 4774 4506 Mar'25 Jun’25 Sep’25 Dec'25 Mar'26 Mar'25 Jun’25 Sep’25 Dec'25 Mar'26 Operating Profit (₹ in Cr) PCR (%) 2.94 Mar'25 Jun’25 Sep’25 Dec'25 Mar'26 0.70 2.69 0.63 2.35 0.54 2.08 Net
Slide 21: Provisions
Provisions ₹ in Crore Quarterly Cumulative Parameters Growth (%) Growth Mar’25 Jun'25 Sep’25 Dec'25 Mar’26 Mar’25 Mar’26 Q-o-Q Y-o-Y (%) Total Provision 3280 3802 3814 3964 2252 (43.19) (31.34) 14364 13832 (3.70) NPAs 2846 1845 1504 1650 1311 (20.55) (53.94) 9586 6310 (34.17) Standard Asset 55 113 3
Slide 22: Key Ratios
Key Ratios (%) Mar’25 Jun’25 Sep’25 Dec’25 Mar’26 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.25 1.09 1.14 1.14 1.10 1.12 1.16 1.13 1.01 1.10 Return on Net-worth 23.23 21.28 21.05 21.05 20.00 20.56 20.65 20.55 18.
Slide 23: Key Ratios
Key Ratios Yield on NIM(%) Cost Of Deposits(%) Advances(%) 2.80 5.73 5.73 8.83 5.66 5.62 8.47 2.55 2.52 5.54 8.40 8.34 2.50 2.51 8.29 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Cost Of Funds(%) Yield on Funds(%) Yield on Investments(%) 5.
Slide 24: Investments
A Legacy of Trust Togetherness Transformation Investments Page 23
Slide 25: Investment Portfolio
Investment Portfolio ₹ in Crore Sl. No Parameters Mar'25 Dec'25 Mar'26 1 Domestic Investments 381386 395448 401243 (a) SLR 330910 341034 342070 (b) Non SLR 50476 54414 59173 SLR as % to Dom. Investments 86.77 86.24 85.25 (i) Held To Maturity (HTM) 301807 305341 314582 (ii) Available For Sale (AFS) 5
Slide 26: Non SLR Portfolio
Non SLR Portfolio ₹ in Crore % Share Y-o-Y Variation Parameters Mar’25 Dec'25 Mar’26 (Mar’26) Amount % PSU Bonds 4860 5513 4849 8.20 (11) (0.23) Corporate and Other Bonds 6752 6835 7197 12.16 445 6.59 Special Govt. Sec excl. Recap Bonds 301 299 241 0.41 (60) (19.93) Central Government Recapitalizati
Slide 27: Asset Quality
A Legacy of Trust Togetherness Transformation Asset Quality Page 26
Slide 28: Asset Quality Ratios
Asset Quality Ratios ₹ in Crore Parameters Mar’25 Dec’25 Mar’26 Gross NPA 31530 24833 22740 Gross NPA (%) 2.94 2.08 1.84 Net NPA 7353 5322 5209 Net NPA (%) 0.70 0.45 0.43 Provision Coverage Ratio (%) 92.70 94.19 94.21 Credit Cost (%) (Annualised) 0.92 0.64 0.59 Slippage Ratio (%) 0.26 0.16 0.24 Page
Slide 29: Movement of NPA
Movement of NPA ₹ in Crore Parameters Mar’25 Dec’25 Mar’26 NPA as at the beginning of the period 35061 27040 24833 Cash Recovery towards Book Liability(i) 791 595 768 Up-gradation (ii) 420 391 354 Write Off (iii) 5022 3120 3771 Total Reduction(i+ii+iii) 6233 4106 4893 Fresh Addition 2702 1899 2800 -
Slide 30: NPA Classification: Sector Wise
NPA Classification: Sector Wise ₹ in Crore Advance O/s Parameters Mar’25 Dec'25 Mar’26 GNPA (%) (Mar’26) Domestic Gross NPA 30351 23921 21874 1161143 1.88 Global Gross NPA 31530 24833 22740 1237548 1.84 Retail 2189 1351 1223 296912 0.41 Housing Loans 1197 726 660 124799 0.53 Vehicle Loans 277 163 14
Slide 31: NPA Classification: Industry Wise
NPA Classification : Industry wise ₹ in Crore Sector/Scheme Mar’25 Dec’25 Mar’26 GNPA (%) Infrastructure 4080 3484 2323 1.81 Iron & Steel 412 407 436 2.36 Textile 689 693 731 3.81 Food Processing 969 882 925 6.93 Engineering 744 741 740 4.78 Page 30
Slide 32: Special Mention Accounts (SMA)
Special Mention Accounts (SMA) ₹ in Crore SMA Position of the Bank (₹ 5 Cr and above) Mar’25 Dec’25 Mar’26 % to % to % to No of No of No of Parameters Outstanding Gross Outstanding Gross Outstanding Gross Accounts Accounts Accounts Advances Advances Advances SMA 2 106 3256 0.30 125 3462 0.29 80 1394
Slide 33: Accounts referred to NCLT
Accounts referred to NCLT ₹ in Crore Mar’25 Mar’26 Parameters No of Book Provision No of Book Provision Provision Provision Accounts Liability Coverage Accounts Liability Coverage 1st List - RBI 4 920 920 100 4 900 900 100 2nd List – RBI 8 4016 4016 100 8 4009 4009 100 Total RBI 1 & 2 12 4936 4936 1
Slide 34: Capital & Shareholding
A Legacy of Trust Togetherness Transformation Capital & Shareholding Page 33
Slide 35: Capital Funds (Basel III)
Capital Funds (Basel III) ₹ in Crore Parameters Mar’25 Dec'25 Mar’26 Tier I 106379 117727 120933 CRAR (%) Common Equity 89040 99754 103079 17.04 Additional Tier I 17339 17973 17854 16.33 16.50 1.96 1.90 2.45 Tier II 14536 15303 20318 Total (Tier I+II) 120915 133030 141251 2.34 2.23 2.15 Risk-weighte
Slide 36: Shareholding Pattern as on March 31st, 2026
Shareholding Pattern as on March 31st, 2026 Year ended FII/FPIs holding (%) Mar’23 8.95 Staff, 0.58 Others, 2.43 Resident Individuals, 10.03 Mar’24 10.57 Mar’25 10.55 Mar’26 14.24 FIIs/FPIs, 14.24 Mutual Funds, 5.01 Government of India, 62.93 Insurance Companies, 4.78 Page 35
Slide 37: Environmental, Social & Governance
A Legacy of Trust Togetherness Transformation Environmental, Social & Governance Page 36
Slide 38: Environmental, Social & Governance (ESG) Practices
Environmental, Social & Governance (ESG) Practices Environmental Social Governance ▪ As part of Green initiatives, Bank has undertaken: ▪ Bank is impacting the Society by engaging in ▪ For the Bank’s journey towards Sustainability, ✓ Increased usage of LED light, BEE rated AC units helping and uplif
Slide 39: Distribution Network
A Legacy of Trust Togetherness Transformation Distribution Network Page 38
Slide 40: Distribution Network
Distribution Network Parameters Mar’25 Dec’25 Mar’26 General Branches(a) 9224 9438 9469 Specialised Branches(b) 625 628 628 Total Domestic Branches(a+b) 9849 10066 10097 Overseas Branches 4 4 4 BC Points 7819 12000 12004 Total Banking Outlets 17672 22070 22105 Total ATM & Recycler 11954 10788 11306
Slide 41: Digital Footprint
Digital Footprint A Legacy of Trust Togetherness Transformation Page 40
Slide 42: Digital Footprint
Digital Footprint 3111.72 6.12 2.74 41.46 1204.60 5.99 2.70 2471.17 37.32 940.20 MAR'25 MAR'26 MAR'25 MAR'26 MAR'25 MAR'26 MAR'25 MAR'26 MAR'25 MAR'26 MeitY Digital Transactions E-Transactions Debit Card Outstanding Internet Banking Registrations Bhim QR Registrations ( Nos in Crore) (Nos in Crores)
Slide 43: New Digital Initiatives
New Digital Initiatives Braille Credit Introduced Braille Credit cards for Visually Impaired Persons Cards Safe Deposit Nominee updation for Safe Deposit Lockers through Mobile Banking & Internet Banking Lockers Credit Card Credit Card Module with new features such as View EMI details, Foreclosure o
Slide 44: Subsidiaries & Associates
Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Mar’26(12M) Subsidiaries Canbank Factors Ltd 70 2.34 1.64 Canbank Computer Services Ltd 69.14 15.97 11.04 Canara Bank Securities Ltd 100 5.25 5.25 Canbank Financial Services Ltd 100 6.48 6.48 Canbank Venture Ca
Slide 45: Guidance Vs Actuals for March 2026 and Guidance for March 2027
Guidance Vs Actuals for March 2026 and Guidance for March 2027 Guidance Actuals as on Guidance Parameters (31.03.2026) 31.03.2026 (31.03.2027) Business Growth (Global) 10.50% 12.11% 10%-11% Advances Growth (Global) 10%-11% 15.30% 11%-12% Deposits Growth (Global) 9%-10% 9.71% 9%-10% CASA (Domestic CA
Slide 46: Disclaimer
Disclaimer This presentation has been prepared solely for information purposes only. It has no regard to any financial situations or informational needs of any particular reason. The forward looking statements involve a number of risk, uncertainties and other factors that could cause actual results
Slide 47: Thank You
Together We Can Thank You We express our heartfelt gratitude to all our stakeholders for their support & trust and solicit their continued patronage to make our beloved Bank grow exponentially in the coming years. Page 46