Canara Bank · NSE:CANBK
Canara Bank — Q1 FY2026-27 Earnings Presentation
47 slides from Canara Bank's earnings presentation, Jul 27, 2026
Slide 1: Exchange filing cover letter
Ref: SD:201/202/11/12:2026-27 27.07.2026 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: Q1 (FY 2026-27)
Financial Results:Q1 (FY 2026-27) A Legacy of Trust Togetherness Transformation Page 1
Slide 3: Performance Highlights
Performance Highlights ₹ in Crore Global Business Global Deposits Global Advances Net Interest Income Net Profit 14.37% 11.63% 17.97% 13.39% 2.19 % y-o-y y-o-y y-o-y y-o-y y-o-y 29,05,066 16,11,685 12,93,381 10,215 4,856 CET 1 CRAR PCR Gross NPA Net NPA 12.91% 17.17% 94.76% 1.57% 0.36% y-o-y y-o-y y
Slide 4: Key Highlights
Key Highlights ₹ in Crore 21.20% 35.88% 17.85% 26.34% y-o-y y-o-y y-o-y y-o-y RAM Credit Retail Credit Housing Loan Vehicle Loan 7,64,675 3,19,893 1,29,036 27,315 15.12% 2.19% 0.49% 20 bps y-o-y y-o-y y-o-y y-o-y MSME EPS Credit Cost Slippage Ratio 1,68,815 21.47 23 bps 0.60% Page 3
Slide 5: Contents
Contents 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 44-44 Guidance for March 2027 Vs Actuals for June
Slide 6: Business Performance
A Legacy of Trust Togetherness Transformation Business Performance Page 5
Slide 7: Business Performance
Business Performance ₹ in Crore Growth (%) Parameters Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Global Gross Business 2540143 2806226 2905066 3.52 14.37 Domestic Gross Business 2370884 2598048 2680534 3.17 13.06 Overseas Gross Business 169259 208178 224532 7.86 32.66 Global Gross Advances 1096329 1237548 129
Slide 8: Domestic Deposit Mix
Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Saving Deposits: 341696 366581 377245 2.91 10.40 SB-Individual 287395 314752 323271 2.71 12.48 SB-Institutional 54301 51829 53974 4.14 (0.60) Current Deposits 54045 62223 60401 (2.93) 11.76 CASA Deposits 395741 42
Slide 9: Advances Mix
Jun’26 Advances Mix ₹ in Crore RAM: 59% Retail Growth (%) Corporate & Others Parameters Jun’25 Mar’26 Jun’26 25% Q-o-Q Y-o-Y 41% Agriculture & Allied MSME RAM Credit 630900 730520 764675 4.68 21.20 21% 13% Retail 235418 296912 319893 7.74 35.88 Agriculture & Allied 248836 275777 275967 0.07 10.90 Ju
Slide 10: Mandated Targets under Priority Sector
Mandated Targets under Priority Sector Exceeded the mandated norms in respect of: Total Priority (45.67% to ANBC against 40% norm) Agriculture (21.41% to ANBC against 18% norm) Mandated Norms under Small and Marginal Farmers (13.96% to ANBC against 10.00% norm) Priority Sector Non Corporate
Slide 11: RAM & Retail Credit
RAM & Retail Credit ₹ in Crore RAM Retail Loans 21.20% 764,675 319,893 35.88% 630,900 235,418 Jun'25 Jun'26 Jun'25 Jun'26 Housing Loans Vehicle Loans 129,036 17.85% 27,315 26.34% 109,490 21,620 Jun'25 Jun'26 Jun'25 Jun'26 Page 10
Slide 12: Industry Credit
Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Jun’25 Mar’26 Jun’26 Q-o-Q Y-o-Y Infrastructure 144445 128239 125325 (2.27) (13.24) NBFC 133910 157478 174864 11.04 30.58 Textile 18588 19179 19601 2.20 5.45 Iron & Steel 17517 18483 19531 5.67 11.50 Commercial Real Estate 20984 22046 22186 0.64
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) Jun’25 Mar’26 Jun’26 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 244095 83 271723 85 282407 86 BBB 33854 11 2
Slide 14: Rating Profile
Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Jun’25 Mar’26 Jun’26 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 134962 99 159028 100 171189 100 BBB 1079 64 42 1 -- -- BB and below 15 6 22 Total 136056 100 159098 100 171253 100 Page 13
Slide 15: Financial Performance
A Legacy of Trust Togetherness Transformation Financial Performance Page 14
Slide 16: Total Income
Total Income ₹ in Crore Quarterly Parameters Growth (%) Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Interest Income 31003 31838 32957 3.51 6.30 Interest on Advances 22618 23951 24685 3.06 9.14 Interest on Investments 6193 6319 6464 2.29 4.38 Other Interest Income 2192 1568 1808 15.31 (17.52) Non-Interest Incom
Slide 17: Non-Interest Income
Non-Interest Income ₹ in Crore Quarterly Parameters Growth (%) Jun’25 Mar'26 Jun'26 Q-o-Q Y-o-Y Fee Based Income 2223 2513 2342 (6.80) 5.35 Commission Exchange & Brokerage 378 559 410 (26.65) 8.47 Service Charges 918 1006 934 (7.16) 1.74 Miscellaneous 927 948 998 5.27 7.66 Treasury Income 1993 272 1
Slide 18: Total Expenses
Total Expenses ₹ in Crore Quarterly Parameters Growth (%) Jun’25 Mar’26 Jun’26 Q-o-Q Y-o-Y Interest Expenses 21994 22030 22742 3.23 3.40 Interest Paid on Deposits* 19834 19727 20241 2.61 2.05 Other Interests* 2160 2303 2501 8.60 15.79 Operating Expenses 7516 7874 8306 5.49 10.52 Staff Cost 4796 4742
Slide 19: Financials at a Glance
Financials at a Glance ₹ in Crore Quarterly Parameters Growth (%) Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Net Interest Income 9009 9808 10215 4.15 13.39 Total Interest Income 31003 31838 32957 3.51 6.30 Total Interest Expenses 21994 22030 22742 3.23 3.40 Total Income 38063 36662 39684 8.24 4.26 Total Expen
Slide 20: Profitability & Asset Quality Performance
Profitability & Asset Quality Performance 9119 94.76 8554 8588 8636 94.19 94.21 6758 93.59 93.17 5155 4856 4752 4774 4506 Jun’25 Sep’25 Dec'25 Mar'26 Jun’26 Jun’25 Sep’25 Dec'25 Mar'26 Jun’26 Operating Profit (₹ in Cr) PCR (%) Jun’25 Sep’25 Dec'25 Mar'26 Jun’26 2.69 0.63 2.35 0.54 2.08 Net Profit (₹
Slide 21: Provisions
Provisions ₹ in Crore Quarterly Parameters Growth (%) Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Total Provision 3802 2252 3780 67.85 (0.58) NPAs 1845 1311 1399 6.71 (24.17) Standard Asset 113 273 185 (32.23) 63.72 Non Performing Investment* 135 277 7 (97.47) (94.81) Income Tax 1450 1260 1700 34.92 17.24 Othe
Slide 22: Key Ratios
Key Ratios (%) Jun’25 Mar’26 June’26 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.14 1.14 1.01 1.10 1.04 1.04 Return on Equity/Net-worth 21.05 21.05 18.27 19.61 18.31 18.31 Cost to Income 46.77 46.77 53.81 48.45 49.03 49.03 CD Ratio 75.93 75.93 78.89 78.89
Slide 23: Key Ratios
Key Ratios Yield on Cost Of Deposits(%) NIM(%) Advances(%) 2.55 5.74 8.47 5.54 8.29 2.52 5.27 8.00 2.51 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Cost Of Funds(%) Yield on Funds(%) Yield on Investments(%) 6.98 5.27 7.43 5.09 7.22 6.90 6.88 4.87 7.06 Jun'25 Mar'26 Jun'26 Jun'25 M
Slide 24: Investments
A Legacy of Trust Togetherness Transformation Investments Page 23
Slide 25: Investment Portfolio
Investment Portfolio ₹ in Crore Sl. No Parameters Jun'25 Mar'26 Jun'26 1 Domestic Investments 398689 401261 396958 (a) SLR 342441 342070 350316 (b) Non SLR 56248 59191 46642 SLR as % to Dom. Investments 85.89 85.25 88.25 (i) Held To Maturity (HTM) 306660 314582 321784 (ii) Available For Sale (AFS) 6
Slide 26: Non SLR Portfolio
Non SLR Portfolio ₹ in Crore Y-o-Y Variation % Share Parameters Jun’25 Mar’26 Jun’26 (Jun’26) Amount % PSU Bonds 5670 4849 4307 9.24 (1363) (24.04) Corporate and Other Bonds 7209 7197 7352 15.77 143 1.98 Special Govt. Sec excl. Recap Bonds 301 241 241 0.52 (60) (19.93) Central Government Recapitaliz
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 Jun’25 Mar’26 Jun’26 Gross NPA 29518 22740 20354 Gross NPA (%) 2.69 1.84 1.57 Net NPA 6765 5209 4653 Net NPA (%) 0.63 0.43 0.36 Provision Coverage Ratio (%) 93.17 94.21 94.76 Credit Cost (%) (Annualised) 0.72 0.59 0.49 Slippage Ratio (%) 0.20 0.24 0.15 Page
Slide 29: Movement of NPA
Movement of NPA ₹ in Crore Parameters Jun’25 Mar’26 Jun’26 NPA as at the beginning of the period 31530 24833 22740 Cash Recovery towards Book Liability(i) 505 768 624 Up-gradation (ii) 558 354 527 Write Off (iii) 3115 3771 3036 Total Reduction(i+ii+iii) 4178 4893 4187 Fresh Addition 2166 2800 1801 -
Slide 30: NPA Classification: Sector Wise
NPA Classification: Sector Wise ₹ in Crore Parameters Jun’25 Mar’26 Jun’26 Advance O/s (Jun’26) GNPA (%) Domestic Gross NPA 28334 21874 19489 1207087 1.61 Global Gross NPA 29518 22740 20354 1293381 1.57 Retail 1811 1223 1157 319893 0.36 Housing Loans 1013 660 599 129036 0.46 Vehicle Loans 236 145 13
Slide 31: NPA Classification: Industry wise
NPA Classification : Industry wise ₹ in Crore Sector/Scheme Jun’25 Mar’26 Jun’26 GNPA (%) Infrastructure 3481 2323 1986 1.58 Iron & Steel 397 436 421 2.16 Textile 676 731 708 3.61 Food Processing 958 925 952 6.64 Engineering 746 740 737 4.51 Page 30
Slide 32: Special Mention Accounts (SMA)
Special Mention Accounts (SMA) ₹ in Crore SMA Position of the Bank (₹ 5 Cr and above) Jun'25 Mar'26 Jun'26 % to No of No of % to Gross No of % to Gross Parameters Outstanding Gross Outstanding Outstanding Accounts Accounts Advances Accounts Advances Advances SMA 2 162 6856 0.63 80 1394 0.11 117 3482
Slide 33: Accounts referred to NCLT
Accounts referred to NCLT ₹ in Crore Jun’25 Jun’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 4007 4007 100% Total RBI 1 & 2 12 4936 49
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 Jun’25 Mar’26 Jun’26 Tier I 110172 120933 127932 CRAR (%) Common Equity 92833 103079 110079 16.52 17.04 17.17 Additional Tier I 17339 17854 17853 2.45 2.17 1.94 Tier II 14646 20318 18538 2.15 2.09 2.29 Total (Tier I+II) 124818 141251 146470 Risk-weight
Slide 36: Shareholding Pattern as on June 30th, 2026
Shareholding Pattern as on June 30th, 2026 FII/FPIs Year ended holding (%) Staff, 0.58 Others, 2.52 Mar’24 10.57 Resident Individuals, 10.43 Mar’25 10.55 Mar’26 14.24 FIIs/FPIs, 12.68 Jun’26 12.68 Mutual Funds, 6.31 Government of India, 62.93 Insurance Companies, 4.55 Page 35
Slide 37: Environmental, Social & Governance
Environmental, Social & Governance A Legacy of Trust Togetherness Transformation 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 helping and uplifting the underserved For the Bank’s journey tow
Slide 39: Distribution Network
A Legacy of Trust Togetherness Transformation Distribution Network Page 38
Slide 40: Distribution Network
Distribution Network Parameters Jun’25 Mar’26 Jun’26 General Branches(a) 9233 9469 9497 Specialised Branches(b) 628 628 634 Total Domestic Branches(a+b) 9861 10097 10131 Overseas Branches 4 4 4 BC Points 9640 12004 12490 Total Banking Outlets 19505 22105 22625 Total ATM & Recycler 10847 11306 11047
Slide 41: Digital Footprint
Digital Footprint A Legacy of Trust Togetherness Transformation Page 40
Slide 42: Digital Footprint
Digital Footprint 861.37 6.10 2.75 43.32 347.05 688.72 33.62 274.72 6.02 2.71 JUN'25 JUN'26 JUN'25 JUN'26 JUN'25 JUN'26 JUN'25 JUN'26 JUN'25 JUN'26 MeitY Digital Transactions E-Transactions Debit Card Outstanding Internet Banking Bhim QR Registrations ( Nos in Crore) (Nos in Crores) (Nos in Crores)
Slide 43: New Digital Initiatives
New Digital Initiatives PMGKAY ( Pradhan Mantri Garib Kalyan Anna Yojana) : A Direct Benefit Transfer scheme CBDC through PCBDC (Programmable Central Bank Digital Currency) for Puducherry UT Digital Lending Implementation for Canara Rooftop Solar Loans (CRTS) & PM SVANidhi Loans Mobile A Unified Onb
Slide 44: Subsidiaries & Associates
Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Jun’26 Subsidiaries Canbank Factors Ltd 70 (0.03) (0.02) Canbank Computer Services Ltd 69.14 4.30 2.97 Canara Bank Securities Ltd 100 1.89 1.89 Canbank Financial Services Ltd 100 1.90 1.90 Canbank Venture Capit
Slide 45: Guidance For March 2027 Vs Actuals For June 2026
Guidance For March 2027 Vs Actuals For June 2026 Guidance Actuals Parameters (31.03.2027) as on 30.06.2026 Business Growth (Global) 10%-11% 14.37 Advances Growth (Global) 11%-12% 17.97 Deposits Growth (Global) 9%-10% 11.63 CASA (Domestic CASA to Domestic Deposit) 30%-32% 29.70 NIM (Global)(Annualize
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: Together We Can
Together We Can 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