Investor Presentation

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: CANBK Sub: Investor Presentation / Performance Highlights - Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the Quarter ended 30.06.2026 Pursuant to Regulation 30 and other applicable provisions of the SEBI (LODR) Regulations, 2015, a copy of Investor Presentation / Performance Highlights on the Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the Quarter ended 30.06.2026 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:Q1 (FY 2026-27) A Legacy of Trust Togetherness Transformation Page 1 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-o-y y-o-y y-o-y 62 bps 65 bps 159 bps 112 bps 27 bps Page 2 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 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 2026 Page 4 A Legacy of Trust Togetherness Transformation Business Performance Page 5 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 1293381 4.51 17.97 Domestic Gross Advances 1032142 1161143 1207087 3.96 16.95 Overseas Gross Advances 64187 76405 86294 12.94 34.44 Global Deposits 1443814 1568678 1611685 2.74 11.63 Domestic Deposits 1338742 1436905 1473447 2.54 10.06 Overseas Deposits* 105072 131773 138238 4.91 31.57 Global C-D Ratio (%) 75.93 78.89 80.25 -- -- *Previousperiod’s figureshavebeenreclassifiedtomatchwithcurrentquarter’sclassification. Page 6 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 428804 437646 2.06 10.59 Term Deposit: 943001 1008101 1035801 2.75 9.84 Retail Term Deposit 548025 581851 597921 2.76 9.10 Total Domestic Deposit 1338742 1436905 1473447 2.54 10.06 Global Deposits* 1443814 1568678 1611685 2.74 11.63 *Previous period’s figures have been reclassified to match with current quarter’s classification. Page 7 Advances Mix Jun’26 ₹ in Crore RAM: 59% Growth (%) Retail Parameters Jun’25 Mar’26 Jun’26 Corporate& Others Q-o-Q Y-o-Y Agriculture & Allied RAM Credit 630900 730520 764675 4.68 21.20 MSME Retail 235418 296912 319893 7.74 35.88 Agriculture & Allied 248836 275777 275967 0.07 10.90 Jun’25 MSME 146646 157831 168815 6.96 15.12 RAM: 58% Corporate & others 465429 507028 528706 4.28 13.60 Retail Corporate& Others Domestic Gross Advances 1032142 1161143 1207087 3.96 16.95 Agriculture & Allied MSME 23% Global Gross Advance 1096329 1237548 1293381 4.51 17.97 Page 8 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 Farmers (16.84% to ANBC against 14.00% norm)  Weaker Section (20.00% to ANBC against 12.00% norm)  Micro Enterprises (9.36% to ANBC against 7.50% norm) Page 9 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 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 5.73 Food Processing 12539 13349 14344 7.45 14.40 Engineering 14638 15476 16335 5.55 11.59 Petroleum, Coal products & Nuclear Fuels 8795 11056 13054 18.07 48.43 Construction 9026 11360 12986 14.31 43.87 Chemicals & Chemical Products 11004 12465 13384 7.37 21.63 Page 11 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 85 86 271723 282407 BBB 33854 11 10 9 29947 29637 BB and below 17583 6 5 5 16861 16309 Total 295532 100 318531 100 328353 100 PSU Customers (Jun’26) Central Govt. Guarantee State Govt. Guarantee 33359 46532 *Wef01.04.25therequirementforExternalRatinghasincreasedfrom25Cr&aboveto50Cr&above. Page 12 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 A Legacy of Trust Togetherness Transformation Financial Performance Page 14 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 Income 7060 4824 6727 39.45 (4.72) Total Income 38063 36662 39684 8.24 4.26 Page 15 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 1057 288.60 (46.96) Profit on Sale of Investments 1617 (103) 654 734.95 (59.55) Profit on Exchange Transactions 376 354 401 13.28 6.65 Dividend Income 0 21 2 (90.48) -- Recoveries in Written Off A/cs 1160 1646 1381 (16.10) 19.05 Other Receipts( PSLC & Others) 1684 393 1947 395.42 15.62 Total Non-Interest Income 7060 4824 6727 39.45 (4.72) Page 16 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 5091 7.36 6.15 Other Operating Expenses 2720 3132 3215 2.65 18.20 Total Expenses 29510 29904 31048 3.83 5.21 *Previous period’s figures have been reclassified to match with current quarter’s classification. Page 17 Financials at a Glance ₹ in Crore Quarterly Parameters Growth (%) Jun'25 Mar’26 Jun’26 Q-o-Q Y-o-Y Net Interest In [Showing first 8,000 characters — download PDF for full document]