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: CANBK Sub: Investor Presentation Pursuant to Regulation 30 and other applicable provisions of the SEBI (LODR) Regulations, 2015, a copy of Investor Presentation on the Financial Results (Standalone & Consolidated) of the Bank for the Second Quarter & Half-year ended 30.09.2026 is enclosed herewith. This is for your information & records. Thanking You, Santosh Kumar Barik Company Secretary सिचवीय िवभाग Secretarial Department (cid:366)धान काया(cid:330)लय Head Office F +91 80 22248831 112, जे सी रोड, ब(cid:336)गलू(cid:348) - 560002 112 J C Road, Bengaluru - 560002 T +91 80 22100250 E-Mail - hosecretarial@canarabank.com www.canarabank.bank.in Financial Results: Q2 (FY 2026-27) A Legacy of Trust Togetherness Transformation Confidential Page 1 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 bps 175 bps 102 bps 24 bps Confidential Page 2 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 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 44-44 Confidential Page 4 A Legacy of GOLD Trust LOAN Togetherness LOAN Transformation Business Performance Confidential Page 5 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 Gross Advances 1151041 1237548 1293381 1375060 6.32 19.46 Domestic Gross Advances 1081428 1161143 1207087 1264753 4.78 16.95 Overseas Gross Advances 69613 76405 86294 110307 27.83 58.46 Global Deposits 1500281 1568678 1611685 1697305 5.31 13.13 Domestic Deposits 1394999 1436905 1473447 1547979 5.06 10.97 Overseas Deposits* 105282 131773 138238 149326 8.02 41.83 Global C-D Ratio (%) 76.72 78.89 80.25 81.01 -- -- Confidential *Previousperiod’s figureshavebeenreclassifiedtomatchwithcurrentquarter’sclassification. Page 6 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 (16.71) CASA Deposits 428115 428804 437646 448889 2.57 4.85 Term Deposit 966884 1008101 1035801 1099090 6.11 13.67 Retail Term Deposit 563683 581851 597921 660476 10.46 17.17 Total Domestic Deposit 1394999 1436905 1473447 1547979 5.06 10.97 Global Deposits* 1500281 1568678 1611685 1697305 5.31 13.13 *Previousperiod’s figureshavebeenreclassifiedtomatchwithcurrentquarter’sclassification. Confidential Page 7 Advances Mix Sep’26 RAM: 59% ₹ in Crore Growth (%) Retail 24% Parameters Sep'25 Mar'26 Jun'26 Sep'26 Corporate& Others Q-o-Q Y-o-Y Agriculture & Allied MSME 13% RAM Credit 671141 730520 764675 812310 6.23 21.03 Retail 251190 296912 319893 330587 3.34 31.61 Agriculture & Allied 266174 275777 275967 304123 10.20 14.26 Sep’25 RAM: 58% MSME 153777 157831 168815 177600 5.20 15.49 Retail 22% Corporate & others 479900 507028 528706 562750 6.44 17.26 Corporate& Others Agriculture & Allied Domestic Gross Advances 1081428 1161143 1207087 1264753 4.78 16.95 MSME 23% Global Gross Advance 1151041 1237548 1293381 1375060 6.32 19.46 Confidential Page 8 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 Farmers (15.55% to ANBC against 14.00% norm) ➢ Weaker Section (18.73% to ANBC against 12.00% norm) ➢ Micro Enterprises (9.22% to ANBC against 7.50% norm) Confidential Page 9 RAM & Retail Credit ₹ in Crore 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 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 12.69 Food Processing 12180 14344 14865 3.63 22.04 Engineering 15399 16335 17262 5.67 12.10 Petroleum, Coal products & Nuclear Fuels 10338 13054 11913 (8.74) 15.24 Construction 9888 12986 13488 3.87 36.41 Chemicals & Chemical Products 12030 13384 14591 9.02 21.29 Confidential Page 11 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 29840 9 29463 8 BB and below 15882 5 16106 5 15730 5 Total 308633 100 328453 100 347486 100 PSU Customers (Sep’26) Central Govt. Guarantee State Govt. Guarantee 48716 51665 *Wef01.04.25therequirementforExternalRatinghasincreasedfrom25Cr&aboveto50Cr&above. Confidential Page 12 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 Confidential Page 13 A Legacy of Trust Togetherness Transformation Financial Performance Confidential Page 14 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 0.72 (15.54) Non-Interest Income 7054 4824 6727 5772 (14.20) (18.17) Total Income 38598 36662 39684 40931 3.14 6.04 Confidential Page 15 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 Treasury Income 1583 272 1057 499 (52.79) (68.48) Profit on Sale of Investments 1217 (103) 654 153 (76.61) (87.43) Profit on Exchange Transactions 327 354 401 278 (30.67) (14.98) Dividend Income 39 21 2 68 -- 74.36 Recoveries in Written Off A/cs 1680 1646 1381 1260 (8.76) (25.00) Other Receipts (PSLC & Others) 1205 393 1947 1258 (35.39) 4.40 Total Non-Interest Income 7054 4824 6727 5772 (14.20) (18.17) Confidential Page 16 Total Expenses ₹ in Crore Quarterly Growth (%) Parameters 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 [Showing first 8,000 characters — download PDF for full document]