Canara Bank · NSE:CANBK
Canara Bank — Q1 FY2025-26 Earnings Presentation
47 slides from Canara Bank's earnings presentation, Jul 24, 2025
Slide 1: Letter to stock exchanges on investor presentation
Ref: SD:177/178/11/12:2025-26 24.07.2025 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 2025-26)
A Legacy of Trust Togetherness Transformation Financial Results: Q1 (FY 2025-26) Page 1
Slide 3: Performance Highlights
Performance Highlights ₹ in Crore Global Business Global Deposits Global Advances Operating Profit Net Profit 10.98% 9.92% 12.42% 12.32% 21.69% y-o-y y-o-y y-o-y y-o-y y-o-y 25,63,984 14,67,655 10,96,329 8,554 4,752 Return On PCR CET-1 Gross NPA Net NPA Assets 93.17% 12.29% 2.69% 0.63 % 1.14% y-o-y
Slide 4: Key Highlights
Key Highlights ₹ in Crore 14.90% 33.92% 13.92% 22.09% y-o-y y-o-y y-o-y y-o-y RAM Credit Retail Credit Housing Loan Vehicle Loan 6,30,900 2,35,418 1,09,490 21,620 21.66% 16.39 % 52 bps y-o-y y-o-y y-o-y decline EPS Fee Based Income Slippage Ratio 21.01 2,223 0.80% 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 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'24 Mar'25 Jun'25 Q-o-Q Y-o-Y Global Gross Business 2310350 2530215 2563984 1.33 10.98 Domestic Gross Business 2151518 2339808 2370884 1.33 10.20 Overseas Gross Business 158832 190407 193100 1.41 21.57 Global Gross Advances 975183 1073332 1096
Slide 8: Domestic Deposit Mix
Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Jun'24 Mar'25 Jun'25 Q-o-Q Y-o-Y Saving Deposits 332248 337135 341696 1.35 2.84 Current Deposits 49200 77841 54045 (30.57) 9.85 CASA Deposits 381448 414976 395741 (4.64) 3.75 Term Deposit 849736 916161 943001 2.93 10.98 Retail Term Deposit 514572
Slide 9: Advances Mix
Advances Mix ₹ in Crore Jun’25 RAM: 58% Retail Growth (%) 22% Parameters Jun'24 Mar'25 Jun'25 Corporate & Others 42% Agriculture & Allied Q-o-Q Y-o-Y MSME 23% 13% RAM Credit 549098 610127 630900 3.40 14.90 Retail 175794 223366 235418 5.40 33.92 Agriculture & Allied 240894 246904 248836 0.78 3.30 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 (45.63% to ANBC against 40% norm) ➢ Agriculture (23.25% to ANBC against 18% norm) Mandated Norms under ➢ Small and Marginal Farmers (16.57% to ANBC against 10.00% norm) Priority Sector ➢ N
Slide 11: RAM & Retail Credit
RAM & Retail Credit ₹ in Crore RAM Retail Loans 630900 235418 14.90% 33.92% 549098 175794 Jun'24 Jun'25 Jun'24 Jun'25 Housing Loans Vehicle Loans 21620 13.92% 109490 22.09% 96108 17708 Jun'24 Jun'25 Jun'24 Jun'25 Page 10
Slide 12: Industry Credit
Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Jun’24 Mar’25 Jun’25 Q-o-Q Y-o-Y Infrastructure 132942 139182 144445 3.78 8.65 NBFC 118529 138116 133910 (3.05) 12.98 Textile 18863 18990 18588 (2.12) (1.46) Iron & Steel 18767 16612 17517 5.45 (6.66) Commercial Real Estate 16438 19236 20984 9.0
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’24 Mar'25 Jun’25 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 210979 80 82 83 245983 244095 BBB 32390 12 1
Slide 14: Rating Profile
Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Jun’24 Mar'25 Jun’25 External Rating Exposure % Share Exposure % Share Exposure % Share 136866 99 134565 98 134962 99 A and above 74 1070 1 1079 BBB 1 1 46 1687 1 15 BB and below Total 136986 100 137322 100 136056 100 Page 1
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'24 Mar'25 Jun’25 Q-o-Q Y-o-Y Interest Income 28701 31002 31003 0.01 8.02 Interest on Advances 20778 22807 22618 (0.83) 8.86 Interest on Investments 6078 6273 6193 (1.28) 1.89 Other Interest Income 1845 1922 2192 14.05 18.81 Non-Interest Inc
Slide 17: Non-Interest Income
Non-Interest Income ₹ in Crore Quarterly Parameters Growth (%) Jun'24 Mar'25 Jun'25 Q-o-Q Y-o-Y Fee Based Income 1910 2335 2223 (4.80) 16.39 Commission Exchange & Brokerage 353 465 378 (18.71) 7.08 Service Charges 798 944 918 (2.75) 15.04 Miscellaneous 759 926 927 0.11 22.13 Treasury Income 503 995
Slide 18: Total Expenses
Total Expenses ₹ in Crore Quarterly Parameters Growth (%) Jun'24 Mar'25 Jun’25 Q-o-Q Y-o-Y Interest Expenses 19535 21560 21994 2.01 12.59 Interest Paid on Deposits 18352 19588 20165 2.95 9.88 Other Interests 1183 1972 1829 (7.25) 54.61 Operating Expenses 6869 7509 7516 0.09 9.42 Staff Cost 4230 4783
Slide 19: Financials at a Glance
Financials at a Glance ₹ in Crore Quarterly Parameters Growth (%) Jun'24 Mar'25 Jun’25 Q-o-Q Y-o-Y Net Interest Income 9166 9442 9009 (4.59) (1.71) Total Interest Income 28701 31002 31003 0.00 8.02 Total Interest Expenses 19535 21560 21994 2.01 12.59 Total Income 34020 37353 38063 1.90 11.88 Total E
Slide 20: Continuous & Consistent Performance
Continuous & Consistent Performance 93.17 8554 92.70 8284 91.26 90.89 7837 7616 7654 89.22 5004* 4752 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 3905 4014 4104 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Operating Profit (₹ in Cr) PCR (%) 1.24 4.14 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 0.99 3.73 0.89 3.34 2.94 Net Prof
Slide 21: Provisions
Provisions ₹ in Crore Quarterly Parameters Growth (%) Jun'24 Mar'25 Jun’25 Q-o-Q Y-o-Y Total Provision 3711 3280 3802 15.91 2.45 NPAs 2171 2846 1845 (35.17) (15.02) Standard Asset 21 55 113 105.45 438.10 Non Performing Investment (125) (1334) (55) --- --- Income Tax 1428 1450 1450 0.00 1.54 Others 2
Slide 22: Key Ratios
Key Ratios (%) Jun'24 Mar-25 Jun'25 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.05 1.05 1.25 1.09 1.14 1.14 Return on Net-worth 20.88 20.88 23.23 21.28 21.05 21.05 Cost to Income 47.42 47.42 47.55 47.27 46.77 46.77 CD Ratio 73.04 73.04 73.67 73.67 74.70 7
Slide 23: Key Ratios
Key Ratios Cost Of Deposits (%) Yield on NIM(%) Advances(%) 2.90 5.74 5.74 2.80 8.83 8.66 2.55 5.70 8.47 Jun'24 Mar'25 Jun'25 Jun'24 Mar'25 Jun'25 Jun'24 Mar'25 Jun'25 Cost Of Funds (%) Yield on Funds(%) Yield on Investments(%) 7.72 6.96 5.28 7.65 6.94 5.27 7.43 5.25 6.88 Jun'24 Mar'25 Jun'25 Jun'24
Slide 24: Investments
Investments A Legacy of Trust Togetherness Transformation Page 23
Slide 25: Investment Portfolio
Investment Portfolio ₹ in Crore Sl. No Parameters Jun'24 Mar'25 Jun'25 1 Domestic Investments 373591 381386 398689 (a) SLR 324203 330910 342441 (b) Non SLR 49388 50476 56248 SLR as % to Dom. Investments 86.78 86.77 85.89 (i) Held To Maturity (HTM) 298077 301807 306660 (ii) Available For Sale (AFS) 5
Slide 26: Non SLR Portfolio
Non SLR Portfolio ₹ in Crore % Share Y-o-Y Variation Parameters Jun'24 Mar'25 Jun'25 (Jun'25) Amount % PSU Bonds 4138 4860 5670 10.08 1532 37.02 Corporate and Other Bonds 7434 6752 7209 12.82 (225) (3.03) Special Govt. Sec excl. Recap Bonds 633 301 301 0.54 (332) (52.45) CG Recap. Bond 18238 18238 1
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'24 Mar'25 Jun'25 Gross NPA 40356 31530 29518 Gross NPA (%) 4.14 2.94 2.69 Net NPA 11702 7353 6765 Net NPA (%) 1.24 0.70 0.63 Provision Coverage Ratio (%) 89.22 92.70 93.17 Credit Cost (%) (Annualised) 0.90 0.92 0.72 Slippage Ratio (%) 0.33 0.26 0.20 Pag
Slide 29: Movement of NPA
Movement of NPA ₹ in Crore Parameters Jun’24 Mar’25 Jun’25 NPA as at the beginning of the period 40605 35061 31530 Cash Recovery towards Book Liability(i) 780 791 505 Up-gradation (ii) 495 420 558 Write Off (iii) 2311 5022 3115 Total Reduction(i+ii+iii) 3586 6233 4178 Fresh Addition 3337 2702 2166 -
Slide 30: NPA Classification: Sector Wise
NPA Classification: Sector Wise ₹ in Crore Advance O/s Parameters Jun'24 Mar'25 Jun'25 GNPA (%) (Jun'25) Domestic Gross NPA 37235 30351 28334 1032142 2.75 Global Gross NPA 40356 31530 29518 1096329 2.69 Retail 2249 2189 1811 235418 0.77 Housing Loans 900 1197 1013 109490 0.93 Vehicle Loans 283 277 2
Slide 31: NPA Classification: Industry wise
NPA Classification : Industry wise ₹ in Crore Sector/Scheme Jun'24 Mar'25 Jun'25 GNPA (%) Infrastructure 5861 4080 3481 2.41 Iron & Steel 561 412 397 2.27 Textile 1499 689 676 3.64 Food Processing 1222 969 958 7.64 Engineering 812 744 746 5.10 Page 30
Slide 32: Special Mention Accounts (SMA)
Special Mention Accounts (SMA) ₹ in Crore SMA Position of the Bank (₹ 5 Cr and above) Jun'24 Mar'25 Jun'25 No of % to Gross No of % to Gross No of % to Gross Parameters Outstanding Outstanding Outstanding Accounts Advances Accounts Advances Accounts Advances SMA 2 167 4134 0.42 106 3256 0.30 162 685
Slide 33: Accounts referred to NCLT and Resolution Status
Accounts referred to NCLT ₹ in Crore Jun'24 Jun'25 Parameters No of Book Provision No of Book Provision Provision Provision Accounts Liability Coverage Accounts Liability Coverage 1st List - RBI 4 1094 1094 100% 4 920 920 100% 2nd List – RBI 9 4676 4676 100% 8 4016 4016 100% Total RBI 1 & 2 13 5770
Slide 34: Capital & Shareholding
A Legacy of Trust Togetherness Transformation Capital & Shareholding Page 33
Slide 35: Capital Funds (Basel III)
Capital Funds (Basel III) Parameters ₹ in Crore Jun'24 Mar'25 Jun'25 CRAR(%) Tier I 98104 106379 110172 16.52 16.38 16.33 Common Equity 82265 89040 92833 1.94 2.01 1.96 Additional Tier I 15839 17339 17339 2.29 2.32 2.34 Tier II 13779 14536 14646 Total (Tier I+II) 111883 120915 124818 Risk-weighted A
Slide 36: Shareholding Pattern as on June 30th, 2025
Shareholding Pattern as on June 30th, 2025 Year ended FII/FPIs holding (%) Mar’22 8.48 Staff, 0.61 Others, 2.07 Resident Individuals, 12.20 Mar’23 8.95 Mar’24 10.57 Mar’25 10.55 FIIs/FPIs, 11.38 Mutual Funds, 4.21 Insurance Companies, 6.60 Government of India, 62.93 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 Jun’24 Mar’25 Jun’25 General Branches(a) 8997 9224 9233 Specialised Branches(b) 626 625 628 Total Domestic Branches(a+b) 9623 9849 9861 Overseas Branches 4 4 4 BC Points 13167 7819 9640 Total Banking Outlets 22794 17672 19505 ATM 10014 9579 7907 Recycler 2242 2375 294
Slide 41: Digital Footprint
A Legacy of Trust Togetherness Transformation Digital Footprint Page 40
Slide 42: Digital Footprint
Digital Footprint 688.72 6.09 2.71 273.98 530.92 207.68 5.74 2.67 JUN'24 JUN'25 JUN'24 JUN'25 JUN'24 JUN'25 JUN'24 JUN'25 MeitY Digital Transactions( Nos in Debit Card Outstanding (Nos in Internet Banking Registrations (Nos in E-Transactions (Nos in Crores) Crore) Crores) Crores) 10.29 3.52 33.62 11
Slide 43: New Digital Initiatives
New Digital Initiatives Digital Lending Loan Against Mutual Fund: Credit Facility against Mutual Fund through Digital Lending Platform. BBPS Billers Punjab State Power Corporation Limited (PSPCL), HPA-Madhuban, Kalimata Charitable Trust, Achyut Integration Maharaj Janmbhumi Sansthan & Anand Vilas ar
Slide 44: Subsidiaries & Associates
Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Jun'25 Subsidiaries Canara Robeco Asset Management Company Ltd. 51 47.90 24.43 Canara HSBC Life Insurance Company Ltd. 51 23.42 11.94 Canbank Factors Ltd. 70 4.83 3.38 Canbank Computer Services Ltd. 69.14 4.23
Slide 45: Guidance for March 2026 Vs Actuals for June 2025
Guidance for March 2026 Vs Actuals for June 2025 Guidance Parameters Actuals as on 30.06.2025 (31.03.2026) Business Growth (Global) 10.50% 10.98% Advances Growth (Global) 10%-11% 12.42% Deposits Growth (Global) 9%-10% 9.92% CASA (Domestic CASA to Domestic Deposit) 32.00% 29.56% NIM (Global)(Annualiz
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