Canara Bank · NSE:CANBK
Canara Bank — Q2 FY2026-27 Earnings Presentation
47 slides from Canara Bank's earnings presentation, Oct 14, 2026
Slide 1: Letter to stock exchanges: Investor Presentation
Ref: SD:345/346/11/12:2026-27 14.10.2026 The Vice President The Vice President BSE Ltd. Listing Department Phiroze Jeejeebhoy Towers National Stock Exchange of India Ltd Dalal Street Exchange Plaza Mumbai - 400 001 Bandra-Kurla Complex, Bandra [E] Mumbai - 400 051 Scrip Code: 532483 Scrip Code: CANB
Slide 2: Financial Results: Q2 (FY 2026-27)
Financial Results: Q2 (FY 2026-27) A Legacy of Trust Togetherness Transformation Confidential Page 1
Slide 3: Performance Highlights
Performance Highlights ₹ in Crore Global Business Global Deposits Global Advances Net Interest Income Net Profit 15.88% 13.13% 19.46% 20.39% 8.40% y-o-y y-o-y y-o-y y-o-y y-o-y 30,72,365 16,97,305 13,75,060 11,005 5,175 CRAR PCR Gross NPA Net NPA 17.19% 95.34% 1.33% 0.30% y-o-y y-o-y y-o-y y-o-y 99
Slide 4: Key Highlights
Key Highlights ₹ in Crore 21.03% 31.61% 17.35% 25.50% y-o-y y-o-y y-o-y y-o-y RAM Credit Retail Credit Housing Loan Vehicle Loan 8,12,310 3,30,587 1,34,501 29,326 15.49% 5.00% 21 bps 18 bps y-o-y y-o-y y-o-y y-o-y MSME EPS Credit Cost Slippage Ratio 1,77,600 22.06 0.47% 0.58% Confidential Page 3
Slide 5: Contents
Contents Business Performance 6-13 Financial Performance 15-22 Investments 24-25 Asset Quality 27-32 Capital & Shareholding 34-35 Environmental, Social & Governance 37-37 Distribution Network & Digital Footprint 39-42 Subsidiaries & Associates 43-43 Guidance for March 2027 Vs Actuals for Sep 2026 Co
Slide 6: Business Performance
A Legacy of GOLD Trust LOAN Togetherness EDU LOAN Transformation Business Performance Confidential Page 5
Slide 7: Business Performance
Business Performance ₹ in Crore Growth (%) Parameters Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Global Gross Business 2651322 2806226 2905066 3072365 5.76 15.88 Domestic Gross Business 2476427 2598048 2680534 2812732 4.93 13.58 Overseas Gross Business 174895 208178 224532 259633 15.63 48.45 Global Gro
Slide 8: Domestic Deposit Mix
Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Saving Deposits 352195 366581 377245 385653 2.23 9.50 SB-Individual 295817 314752 323271 330436 2.22 11.70 SB-Institutional 56378 51829 53974 55217 2.30 (2.06) Current Deposits 75920 62223 60401 63236 4.69
Slide 9: Advances Mix
Sep’26 Advances Mix RAM: 59% ₹ in Crore Retail Growth (%) Corporate & Others 24% Parameters Sep'25 Mar'26 Jun'26 Sep'26 41% Agriculture & Allied Q-o-Q Y-o-Y MSME 22% 13% RAM Credit 671141 730520 764675 812310 6.23 21.03 Retail 251190 296912 319893 330587 3.34 31.61 Agriculture & Allied 266174 275777
Slide 10: Mandated Targets under Priority Sector
Mandated Targets under Priority Sector Exceeded the mandated norms in respect of: ➢ Total Priority (44.99% to ANBC against 40% norm) ➢ Agriculture (20.61% to ANBC against 18% norm) Mandated Norms under ➢ Small and Marginal Farmers (12.74% to ANBC against 10.00% norm) Priority Sector ➢ Non Corporate
Slide 11: RAM & Retail Credit
RAM & Retail Credit ₹ in Crore RAM Retail Loans 812,310 330,587 21.03% 31.61% 671,141 251,190 Sep'25 Sep'26 Sep'25 Sep'26 Housing Loans Vehicle Loans 134,501 29,326 17.35% 25.50% 114,615 23,367 Sep'25 Sep'26 Confidential Sep'25 Sep'26 Page 10
Slide 12: Industry Credit
Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Sep’25 Jun’26 Sep’26 Q-o-Q Y-o-Y Infrastructure 145069 125325 131631 5.03 (9.26) NBFC 146473 174864 177763 1.66 21.36 Textile 18677 19601 20278 3.45 8.57 Iron & Steel 17486 19531 19725 0.99 12.80 Commercial Real Estate 21628 22186 24373 9.86 12.
Slide 13: Rating Profile
Rating Profile ₹ in Crore External Rating - Wise Distribution of Domestic Advances above ₹ 50 crore* (% of Total rated loan book above ₹ 50 crore) Sep’25 Jun’26 Sep’26 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 257186 83 282507 86 302293 87 BBB 35565 12 2
Slide 14: Rating Profile
Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Sep’25 Jun’26 Sep’26 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 145447 99 171069 100 176302 100 BBB 1061 42 46 1 -- -- BB and below 49 22 22 Total 146557 100 171133 100 176370 100 Confiden
Slide 15: Financial Performance
A Legacy of Trust Togetherness Transformation Financial Performance Confidential Page 14
Slide 16: Total Income
Total Income ₹ in Crore Quarterly Parameters Growth (%) Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Interest Income 31544 31838 32957 35159 6.68 11.46 Interest on Advances 23081 23951 24685 26754 8.38 15.91 Interest on Investments 6307 6319 6464 6584 1.86 4.39 Other Interest Income 2156 1568 1808 1821 0
Slide 17: Non-Interest Income
Non-Interest Income ₹ in Crore Quarterly Parameters Growth (%) Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Fee Based Income 2586 2513 2342 2755 17.63 6.54 Commission Exchange & Brokerage 447 559 410 449 9.51 0.45 Service Charges 960 1006 934 1093 17.02 13.85 Miscellaneous 1179 948 998 1213 21.54 2.88 Tr
Slide 18: Total Expenses
Total Expenses ₹ in Crore Quarterly Parameters Growth (%) Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Interest Expenses 22403 22030 22742 24154 6.21 7.82 Interest Paid on Deposits* 20067 19727 20241 21343 5.44 6.36 Other Interests* 2336 2303 2501 2811 12.40 20.33 Operating Expenses 7607 7874 8306 8019 (
Slide 19: Financials at a Glance
Financials at a Glance ₹ in Crore Quarterly Parameters Growth (%) Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Net Interest Income 9141 9808 10215 11005 7.73 20.39 Total Interest Income 31544 31838 32957 35159 6.68 11.46 Total Interest Expenses 22403 22030 22742 24154 6.21 7.82 Total Income 38598 36662 3
Slide 20: Profitability & Asset Quality Performance
Profitability & Asset Quality Performance 8588 9119 8636 8758 95.34 94.76 6758 94.19 94.21 93.59 5155 5175 4774 4856 4506 Sep’25 Dec'25 Mar'26 Jun’26 Sep'26 Sep’25 Dec'25 Mar'26 Jun’26 Sep’26 Operating Profit (₹ in Cr) PCR (%) Sep’25 Dec'25 Mar'26 Jun’26 Sep'26 2.35 0.54 2.08 Net Profit (₹ in Cr) 0.
Slide 21: Provisions
Provisions ₹ in Crore Quarterly Parameters Growth (%) Sep'25 Mar'26 Jun'26 Sep'26 Q-o-Q Y-o-Y Total Provision 3814 2252 3780 3583 (5.21) (6.06) NPAs 1504 1311 1399 1339 (4.29) (10.97) Standard Asset 336 273 185 311 68.11 (7.44) Non Performing Investment* (334) 277 7 (441) -- 32.34 Income Tax 1460 12
Slide 22: Key Ratios
Key Ratios (%) Sep'25 Mar'26 Jun'26 Sep'26 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.10 1.12 1.01 1.10 1.04 1.04 1.05 1.04 Return on Equity/Net-worth 20.00 20.56 18.27 19.61 18.31 18.31 18.47 18.49 Cost to Income 46.97 46.87 53.81 4
Slide 23: Key Ratios
Key Ratios Cost Of Deposits (%) Yield on Advances (%) NIM (%) 2.53 2.52 2.52 8.40 2.51 5.66 5.54 8.29 5.27 5.27 8.00 8.03 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Cost Of Funds (%) Yield on Funds (%) Yield on Investments (%) 5.21 7.34 6.98 5.09 7.22 6.90 6.
Slide 24: Investments
A Legacy of Trust Togetherness Transformation Investments Confidential Page 23
Slide 25: Investment Portfolio
Investment Portfolio ₹ in Crore Sl. No Parameters Sep’25 Jun’26 Sep’26 1 Domestic Investments 395043 396958 407466 (a) SLR 340888 350316 362238 (b) Non SLR 54155 46642 45228 SLR as % to Dom. Investments 86.29 88.25 88.90 (i) Held To Maturity (HTM) 304960 321784 325099 (ii) Available For Sale (AFS) 5
Slide 26: Non SLR Portfolio
Non SLR Portfolio ₹ in Crore % Share Y-o-Y Variation Parameters Sep’25 Jun’26 Sep’26 (Sep’26) Amount % PSU Bonds 5827 4307 4377 9.68 (1450) (24.88) Corporate and Other Bonds 7246 7352 8414 18.60 1168 16.12 Special Govt. Sec excl. Recap Bonds 301 241 241 0.53 (60) (19.93) Central Government Recapital
Slide 27: Asset Quality
A Legacy of Trust Togetherness Transformation Asset Quality Confidential Page 26
Slide 28: Asset Quality Ratios
Asset Quality Ratios ₹ in Crore Parameters Sep'25 Mar'26 Jun'26 Sep'26 Gross NPA 27040 22740 20354 18299 Gross NPA (%) 2.35 1.84 1.57 1.33 Net NPA 6113 5209 4653 4053 Net NPA (%) 0.54 0.43 0.36 0.30 Provision Coverage Ratio (%) 93.59 94.21 94.76 95.34 Credit Cost (%) (Annualised) 0.68 0.59 0.49 0.47
Slide 29: Movement of NPA
Movement of NPA ₹ in Crore Parameters Sep'25 Mar'26 Jun'26 Sep'26 NPA as at the beginning of the period 29518 24833 22740 20354 Cash Recovery towards Book Liability(i) 580 768 624 719 Up-gradation (ii) 537 354 527 452 Write Off (iii) 3463 3771 3036 2800 Total Reduction (i+ii+iii) 4580 4893 4187 3971
Slide 30: NPA Classification: Sector Wise
NPA Classification: Sector Wise ₹ in Crore Advance O/s Parameters Sep'25 Mar'26 Jun'26 Sep'26 GNPA (%) (Sep'26) Domestic Gross NPA 25866 21874 19489 17424 1264753 1.38 Global Gross NPA 27040 22740 20354 18299 1375060 1.33 Retail 1717 1223 1157 1068 330587 0.32 Housing Loans 945 660 599 554 134501 0.
Slide 31: NPA Classification: Industry wise
NPA Classification : Industry wise ₹ in Crore Sector/Scheme Sep'25 Mar'26 Jun'26 Sep'26 GNPA (%) Infrastructure 3495 2323 1986 1560 1.19 Iron & Steel 395 436 421 400 2.03 Textile 724 731 708 746 3.68 Food Processing 934 925 952 915 6.16 Engineering 744 740 737 737 4.27 Confidential Page 30
Slide 32: Special Mention Accounts (SMA)
Special Mention Accounts (SMA) ₹ in Crore SMA Position of the Bank (₹ 5 Cr and above) Sep'25 Jun'26 Sep'26 % to % to No of No of % to Gross No of Parameters Outstanding Gross Outstanding Outstanding Gross Accounts Accounts Advances Accounts Advances Advances SMA 2 111 3321 0.29 117 3482 0.27 112 283
Slide 33: Accounts referred to NCLT / NCLT Resolution Status
Accounts referred to NCLT ₹ in Crore Sep'25 Sep'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% 4 899 899 100% 2nd List – RBI 8 4016 4016 100% 8 3910 3910 100% Total RBI 1 & 2 12 4936 49
Slide 34: Capital & Shareholding
A Legacy of Trust Togetherness Transformation Capital & Shareholding Confidential Page 33
Slide 35: Capital Funds (Basel III)
Capital Funds (Basel III) Parameters ₹ in Crore Sep'25 Jun'26 Sep'26 Tier I 111690 127932 132848 Common Equity Tier I 95532 110079 112952 CRAR (%) 17.17 17.19 Additional Tier I 16158 17853 19896 16.20 2.17 2.14 Tier II 15005 18538 18850 1.92 2.09 2.25 Total (Tier I+II) 126695 146470 151698 2.07 Risk
Slide 36: Shareholding Pattern as on September 30th, 2026
Shareholding Pattern as on September 30th, 2026 FII/FPIs Year ended holding (%) Staff, 0.57 Others, 2.40 Mar’25 10.55 Resident Individuals, 10.51 Mar’26 14.24 Sep’26 12.27 FIIs/FPIs, 12.27 Mutual Funds, 7.00 Government of India, 62.93 Insurance Companies, 4.32 Confidential Page 35
Slide 37: Environmental, Social & Governance
A Legacy of Trust Togetherness Transformation Environmental, Social & Governance Confidential 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: ✓ Increased usage of LED light, BEE rated AC units ▪ Bank is impacting the Society by engaging in ✓ Gradual phasing out of DG sets helping and uplifting underserved
Slide 39: Distribution Network
A Legacy of Trust Togetherness London, UK Transformation 10100+ Branches Across India New York, USA Dubai (DIFC), UAE IBU Gift City, Gujarat 24/7 Customer Support Distribution Network Confidential Page 38
Slide 40: Distribution Network
Distribution Network Parameters Sep’25 Jun’26 Sep’26 General Branches(a) 9321 9497 9512 Specialised Branches(b) 627 634 634 Total Domestic Branches(a+b) 9948 10131 10146 Overseas Branches 4 4 4 BC Points 11076 12490 13087 Total Banking Outlets 21028 22625 23237 Total ATM & Recycler 10866 11047 10764
Slide 41: Digital Footprint
A Legacy of Trust Togetherness Transformation Digital Footprint Confidential Page 40
Slide 42: Digital Footprint
Digital Footprint 1801.56 6.16 6.14 46.54 1449.71 2.73 2.76 38.55 717.65 566.30 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'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 Internet Introduced scheduled bulk payment option and fund transfer facility for future date Banking UPI Biometric Authentication for approving UPI transactions up to ₹ 10,000/- CBDC Programmable CBDC Wallet integration in BHIM Confidential Page 42
Slide 44: Subsidiaries & Associates
Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Sep’26 (6M) Subsidiaries Canbank Factors Ltd. 70 (0.13) (0.09) Canbank Computer Services Ltd. 69.14 8.27 5.72 Canara Bank Securities Ltd. (CBSL) 100 2.94 2.94 Canbank Financial Services Ltd. 100 3.39 3.39 Canba
Slide 45: Guidance For March 2027 Vs Actuals For September 2026
Guidance For March 2027 Vs Actuals For September 2026 Guidance Actuals as on Parameters (31.03.2027) 30.09.2026 Business Growth (Global) 10%-11% 15.88% Advances Growth (Global) 11%-12% 19.46% Deposits Growth (Global) 9%-10% 13.13% CASA (Domestic CASA to Domestic Deposit) 30%-32% 29.00% NIM (Global)(
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. Confidential Page 46