Canara Bank · NSE:CANBK
Canara Bank — Q2 FY2025-26 Earnings Presentation
47 slides from Canara Bank's earnings presentation, Oct 30, 2025
Slide 1: Exchange filing cover letter for investor presentation
~ am Canara Bank ~ "'"n -1. -:t ' : - I ' ~ q:;. J ;,s,;f"s,iC,""'q Ref: SD:317/318/11/12:2025-26 The Vice President BSE Ltd. - A G overn,n-.t o= lnd l.i Urldleo~ B The Vice President Listing Department 30.10.2025 Phiroze Jeejeebhoy Towers National Stock Exchange of India Ltd Dalal Street EXCHANGE P
Slide 2: Financial Results: Q2 (FY 2025-26)
Financial Results: Q2 (FY 2025-26) A Legacy of Trust Togetherness Transformation Confidential Page 1
Slide 3: Performance Highlights
Performance Highlights ₹ in Crore Global Business Global Deposits Global Advances Operating Profit Net Profit 13.55% 13.40% 13.74% 12.20% 18.93% y-o-y y-o-y y-o-y y-o-y y-o-y 26,78,963 15,27,922 11,51,041 8,588 4,774 Return on PCR Credit Cost Gross NPA Net NPA Assets 93.59% 0.68% 2.35% 0.54% 1.12% y
Slide 4: Key Highlights
Key Highlights ₹ in Crore 16.94% 29.11% 15.25% 25.58% y-o-y y-o-y y-o-y y-o-y RAM Credit Retail Credit Housing Loan Vehicle Loan 6,71,141 2,51,190 1,14,615 23,367 12.70 % 20.68% 24 bps y-o-y y-o-y y-o-y decline MSME Credit EPS Slippage Ratio 1,53,777 21.01 0.76% Confidential 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 2026 Vs Actuals for Sept
Slide 6: Business Performance
A Legacy of Trust Togetherness Transformation Business Performance Confidential Page 5
Slide 7: Business Performance
Business Performance ₹ in Crore Growth (%) Parameters Sep'24 Mar'25 Jun'25 Sep’25 Q-o-Q Y-o-Y Global Gross Business 2359344 2530215 2563984 2678963 4.48 13.55 Domestic Gross Business 2192862 2339808 2370884 2476427 4.45 12.93 Overseas Gross Business 166482 190407 193100 202536 4.89 21.66 Global Gros
Slide 8: Domestic Deposit Mix
Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Sep'24 Mar'25 Jun'25 Sep'25 Q-o-Q Y-o-Y Saving Deposits 340705 337135 341696 352195 3.07 3.37 Current Deposits 46622 77841 54045 75920 40.48 62.84 CASA Deposits 387327 414976 395741 428115 8.18 10.53 Term Deposit 851386 916161 943001 966884 2.53
Slide 9: Advances Mix
Advances Mix ₹ in Crore RAM: 58% Sep’25 Retail Growth (%) 22% Parameters Sep'24 Jun'25 Sep'25 Corporate & Others 42% Agriculture & Allied Q-o-Q Y-o-Y MSME 23% RAM Credit 573937 630900 671141 6.38 16.94 13% Retail 194556 235418 251190 6.70 29.11 Agriculture & Allied 242930 248836 266174 6.97 9.57 RAM
Slide 10: Exceeded the Mandated Targets under Priority Sector
Exceeded the Mandated Targets under Priority Sector Exceeded the mandated norms in respect of: ➢ Total Priority (44.56% to ANBC against 40.00% norm) ➢ Agriculture (21.44% to ANBC against 18.00% norm) Mandated Norms under ➢ Small and Marginal Farmers (14.38% to ANBC against 10.00% norm) Priority Sect
Slide 11: RAM & Retail Credit
RAM & Retail Credit ₹ in Crore RAM Retail Loans 671141 16.94% 29.11% 251190 573937 194556 Sep'24 Sep'25 Sep'24 Sep'25 Housing Loans Vehicle Loans 114615 23367 15.25% 25.58% 99452 18607 Sep'24 Sep'25 Sep'24 Sep'25 Confidential Page 10
Slide 12: Industry Credit
Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Sep’24 Jun’25 Sep’25 Q-o-Q Y-o-Y Infrastructure 128931 144445 145069 0.43 12.52 NBFC 127976 133910 146473 9.38 14.45 Textile 19074 18588 18677 0.48 (2.08) Iron & Steel 17569 17517 17486 (0.18) (0.47) Commercial Real Estate 17861 20984 21628 3.07
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’24 Jun’25 Sep’25 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 217718 81 244095 83 257186 83 BBB 30983 11 3
Slide 14: Rating Profile
Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Sep’24 Jun’25 Sep’25 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 126036 99 134962 99 145344 99 BBB 72 1079 1061 1 1 1 BB and below 39 15 49 Total 126147 100 136056 100 146454 100 Confidenti
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'24 Mar'25 Jun'25 Sep’25 Q-o-Q Y-o-Y Interest Income 29740 31002 31003 31544 1.74 6.07 Interest on Advances 21758 22807 22618 23081 2.05 6.08 Interest on Investments 6059 6273 6193 6307 1.84 4.09 Other Interest Income 1923 1922 2192 2156 (1.
Slide 17: Non-Interest Income
Non-Interest Income ₹ in Crore Quarterly Parameters Growth (%) Sep'24 Mar'25 Jun'25 Sep’25 Q-o-Q Y-o-Y Fee Based Income 2436 2335 2223 2586 16.33 6.16 Commission Exchange & Brokerage 382 465 378 447 18.25 17.02 Service Charges 880 944 918 960 4.58 9.09 Miscellaneous 1174 926 927 1179 27.18 0.43 Trea
Slide 18: Total Expenses
Total Expenses ₹ in Crore Quarterly Parameters Growth (%) Sep'24 Mar'25 Jun'25 Sep’25 Q-o-Q Y-o-Y Interest Expenses 20425 21560 21994 22403 1.86 9.68 Interest Paid on Deposits 18652 19588 20165 20383 1.08 9.28 Other Interests 1773 1972 1829 2020 10.44 13.93 Operating Expenses 6642 7509 7516 7607 1.2
Slide 19: Financials at a Glance
Financials at a Glance ₹ in Crore Quarterly Parameters Growth (%) Sep'24 Mar'25 Jun’25 Sep’25 Q-o-Q Y-o-Y Net Interest Income 9315 9442 9009 9141 1.47 (1.87) Total Interest Income 29740 31002 31003 31544 1.74 6.07 Total Interest Expenses 20425 21560 21994 22403 1.86 9.68 Total Income 34721 37353 380
Slide 20: Continuous & Consistent Performance
Continuous & Consistent Performance 8554 8588 93.59 8284 93.17 92.70 7837 7654 91.26 90.89 5004 * 4752 4774 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 4014 4104 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Operating Profit (₹ in Cr) PCR (%) 3.73 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 3.34 0.99 2.94 0.89 2.69 Net Profit (
Slide 21: Provisions
Provisions ₹ in Crore Quarterly Parameters Growth (%) Sep'24 Mar'25 Jun’25 Sep’25 Q-o-Q Y-o-Y Total Provision 3640 3280 3802 3814 0.32 4.78 NPAs 2587 2846 1845 1504 (18.48) (41.86) Standard Asset 134 55 113 336 197.35 150.75 Non Performing Investment (72) (1334) (55) (36) --- --- Income Tax 1389 145
Slide 22: Key Ratios
Key Ratios (%) Sep'24 Mar'25 Jun'25 Sep’25 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.05 1.05 1.25 1.09 1.14 1.14 1.10 1.12 Return on Net-worth 19.78 20.44 23.23 21.28 21.05 21.05 20.00 20.56 Cost to Income 46.46 46.94 47.55 47.27 46
Slide 23: Key Ratios
Key Ratios Yield on Cost Of Deposits (%) NIM(%) 5.74 5.74 Advances(%) 2.88 2.80 8.77 8.83 5.70 8.47 8.40 2.55 5.65 2.52 Sep'24 Mar'25 Jun'25 Sep'25 Sep'24 Mar'25 Jun'25 Sep'25 Sep'24 Mar'25 Jun'25 Sep'25 Cost Of Funds (%) Yield on Funds(%) Yield on Investments(%) 5.28 7.70 6.96 5.27 7.65 6.95 5.26 7
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'24 Jun'25 Sep’25 1 Domestic Investments 375568 398689 395043 (a) SLR 326523 342441 340888 (b) Non SLR 49047 56248 54155 SLR as % to Dom. Investments 86.94 85.89 86.29 (i) Held To Maturity (HTM) 300563 306660 304960 (ii) Available For Sale (AFS) 5
Slide 26: Non SLR Portfolio
Non SLR Portfolio ₹ in Crore % Share Y-o-Y Variation Parameters Sep'24 Jun'25 Sep'25 (Sep'25) Amount % PSU Bonds 4173 5670 5827 10.76 1654 39.64 Corporate and Other Bonds 8500 7209 7246 13.38 (1254) (14.75) Special Govt. Sec excl. Recap Bonds 633 301 301 0.56 (332) (52.45) CG Recap. Bond 18238 18238
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'24 Mar'25 Jun'25 Sep’25 Gross NPA 37733 31530 29518 27040 Gross NPA (%) 3.73 2.94 2.69 2.35 Net NPA 9777 7353 6765 6113 Net NPA (%) 0.99 0.70 0.63 0.54 Provision Coverage Ratio (%) 90.89 92.70 93.17 93.59 Credit Cost (%) (Annualised) 0.97 0.92 0.72 0.68
Slide 29: Movement of NPA
Movement of NPA ₹ in Crore Parameters Sep'24 Mar'25 Jun'25 Sep’25 NPA as at the beginning of the period 40356 35061 31530 29518 Cash Recovery towards Book Liability(i) 1188 791 505 580 Up-gradation (ii) 659 420 558 537 Write Off (iii) 3121 5022 3115 3463 Total Reduction(i+ii+iii) 4968 6233 4178 4580
Slide 30: NPA Classification: Sector Wise
NPA Classification: Sector Wise ₹ in Crore Advance O/s Parameters Sep'24 Mar'25 Jun'25 Sep’25 GNPA (%) (Sep'25) Domestic Gross NPA 34689 30351 28334 25866 1081428 2.39 Global Gross NPA 37733 31530 29518 27040 1151041 2.35 Retail 2067 2189 1811 1717 251190 0.68 Housing Loans 1156 1197 1013 945 114615
Slide 31: NPA Classification: Industry wise
NPA Classification : Industry wise ₹ in Crore Sector/Scheme Sep'24 Mar'25 Jun'25 Sep’25 GNPA (%) Infrastructure 5619 4080 3481 3495 2.41 Iron & Steel 508 412 397 395 2.26 Textile 1251 689 676 724 3.88 Food Processing 1087 969 958 934 7.67 Engineering 741 744 746 744 4.83 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'24 Jun'25 Sep'25 % to % to % to No of No of No of Parameters Outstanding Gross Outstanding Gross Outstanding Gross Accounts Accounts Accounts Advances Advances Advances SMA 2 160 10938 1.08 162 6856 0.63 111 33
Slide 33: Accounts referred to NCLT; NCLT Resolution Status
Accounts referred to NCLT ₹ in Crore Sep'24 Sep'25 Parameters No of Book Provision No of Book Provision Provision Provision Accounts Liability Coverage Accounts Liability Coverage 1st List - RBI 4 1055 1055 100% 4 920 920 100% 2nd List – RBI 9 4666 4666 100% 8 4016 4016 100% Total RBI 1 & 2 13 5721
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) ₹ in Crore Parameters Sep'24 Jun'25 Sep'25 Tier I 104313 110172 111690 CRAR (%) 16.57 16.52 16.20 Common Equity 85486 92833 95532 1.93 1.94 1.92 Additional Tier I 18827 17339 16158 2.64 2.29 2.07 Tier II 13741 14646 15005 Total (Tier I+II) 118054 124818 126695 Risk-weighted
Slide 36: Shareholding Pattern as on September 30th, 2025
Shareholding Pattern as on September 30th, 2025 Year ended FII/FPIs holding (%) Mar’23 8.95 Staff, 0.60 Others, 1.95 Resident Individuals, 10.98 Mar’24 10.57 Mar’25 10.55 FIIs/FPIs, 11.90 Mutual Funds, 5.71 Insurance Companies, 5.93 Government of India, 62.93 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: ▪ 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 Confidential Page 38
Slide 40: Distribution Network
Distribution Network Parameters Sep’24 Jun’25 Sep’25 General Branches(a) 9032 9233 9321 Specialised Branches(b) 626 628 627 Total Domestic Branches(a+b) 9658 9861 9948 Overseas Branches 4 4 4 BC Points 13173 9640 11076 Total Banking Outlets 22835 19505 21028 ATM 9881 7907 7405 Recycler 2310 2940 346
Slide 41: Digital Footprint
A Legacy of Trust Togetherness Transformation Digital Footprint Confidential Page 40
Slide 42: Digital Footprint
Digital Footprint 1449.71 6.16 565.70 1100.49 2.73 38.55 432.99 29.21 5.85 2.69 SEP24 SEP'25 SEP'24 SEP'25 SEP'24 SEP'25 SEP'24 SEP'25 SEP'24 SEP'25 MeitY Digital Transactions E-Transactions (Nos in Crores) Debit Card Outstanding (Nos Internet Banking Registrations Bhim QR Registrations (Nos in ( No
Slide 43: New Digital Initiatives
New Digital Initiatives Mobile Account Portability facility is enabled in Mobile Banking, to convert their normal savings account into Banking specialized products such as Canara Angel and Canara Aspire. The Interoperable Cash Deposit (ICD) service allows customers of participating banks to use any
Slide 44: Subsidiaries & Associates
Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Sep'25 Subsidiaries Canara Robeco Asset Management Company Ltd.* 51 99.03 50.51 Canara HSBC Life Insurance Company Ltd.* 51 64.23 32.76 Canbank Factors Ltd. 70 5.11 3.58 Canbank Computer Services Ltd. 69.14 8.1
Slide 45: Guidance for March 2026 Vs Actuals for September 2025
Guidance for March 2026 Vs Actuals for September 2025 Guidance Parameters Actuals as on 30.09.2025 (31.03.2026) Business Growth (Global) 10.50% 13.55% Advances Growth (Global) 10%-11% 13.74% Deposits Growth (Global) 9%-10% 13.40% CASA (Domestic CASA to Domestic Deposit) 32.00% 30.69% NIM (Global)(An
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