Analysts/Institutional Investor Meet/Con. Call Updates

Ref: SD/213/214/11/12/2026-27 29.07.2026 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] Scrip Code: 532483 Mumbai - 400 051 Scrip Code: CANBK Subject: Intimation under Regulations 30 and 46(2) (oa) of SEBI (LODR) Regulations, 2015 - Transcript of Earnings/Conference Call with Analysts/Investors for the Quarter ended 30.06.2026 Ref: Our Letter SD:193/194/11/12:2026-27 dated 20.07.2026 Ref: Our Letter SD:208/209/11/12:2026-27 dated 27.07.2026 With reference to above and pursuant to Regulations 30 and 46 (2) (oa) of the SEBI (LODR) Regulations 2015, the transcript of post results Earnings Conference Call for the Quarter ended 30.06.2026 held on 27.07.2026 is enclosed herewith. The transcript of Q1 FY 2026-27 Earnings Conference Call is uploaded on Bank’s website and the same can be accessed through below link: https://www.canarabank.bank.in/documents/d/guest/canara-bank-q1-fy27-earnings-call- 27-july-2026 This is for your information and 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 Canara Bank – Q1 FY27 Earnings Call 27th July, 2026 - Moderator: - Today, Brajesh Kumar Singh MD and CEO, Shri Hardeep Singh Ahluwalia, Executive Director, Shri Bhavendra Kumar, Executive Director, Shri S.K. Majumdar Sir, Executive Director and Shri Sunil Kumar Chugh, Executive Director. With this, I now hand over the call to the MD Sir for his opening remarks, post which we will have a Q&A session. Thank you and over to you sir. - Mr. Brajesh Kumar Singh – MD & CEO, Canara Bank: - Good evening, moderator and at the same time all my respected analysts. We have just declared our quarterly results today. Numbers, according to me, are good and so has market has also taken. So let me put forth some of the highlights first, then we'll go for question and answer. Global business has grown by 14.37% YoY at 29.05 lakhs of crores of rupees. At the same time, gold global deposit has also grown by 11.63% YoY against at 16.11685 lakhs crores of rupees. Then global advances grew at a handsome rate of 17.97% YoY at 12.93381 lakhs crores. Net interest income has also grown 13.39% YoY and it has first time there is a distinction. It has crossed 10,000 crores of rupees marks at 10,215 crores. Net profit also we could grow 2.19% YoY at 4,856 crores. We are very well capitalized. Our CET1 is at 12.91%. There is a gain of 62 basis points YoY. Total credit CRAR is at 17.17%, 65 basis points gain on YoY basis. We have increased our provision coverage ratio at around 95% at 94.76% to be precisely, which is 159 basis points more YoY basis. Gross NPA has come down 112 basis points YoY and it is now at 1.57% only. Net NPA has also decreased at 0.36% which is 27 basis points less YoY basis. - And then if we talk about RAM credit retail agriculture and MSME, it has also grown 21.20% YoY basis and as of 30th June, it is 7,64,675 crores. Then retail credit out of this thing RAM has grown at 35.88% YoY and placed at 3,19,893 crores of rupees. - Housing loan within the retail credit space has grown very good at 17.85% YoY and placed at 1,29,036 crores of rupees. Vehicle loan has grown little higher at 26.34% YoY and placed at 27,315 crores of rupees. 15.12% YoY growth we have registered under MSME and it is at 1,68,815 crores. 2.19% growth we have given YoY basis on earning per share that is placed at 21.47%. YoY credit cost has also reduced by 23 basis points and now it is at 0.49% only. Slippage ratio is contained at 0.60% and which is improved by 20 basis points YoY. - So whatever the performance we have given, we have bettered everywhere on count of guidance whatever we have given. See business growth, we gave guidance of 10-11% which is now at 14.37%. Advances growth, we said will grow by 10-12% we have grown by 17.97%. Deposit growth, we said 9-10% then it is at 11.63%. CASA we said that it will be between 30-32% but that guidance was for March 27, we have 29.70% as of now. NIM, we said we will be protecting it between 2.50-2.60% and we have kept that at 2.52%, we are able to protect our NIM. Gross NPA, we said 1.50% March 27 annual full year guidance and against that we have already reached 1.57%, 112 basis points we have already reduced. Net NPA, we said 0.40% for annual target which we have surpassed as of now only at 0.36%. PCR also, the provision coverage ratio we said 93.50% but we have this thing raised it to 94.76%, we have bettered it at there. Slippage ratio, I said 0.80%, we said that our slippage we will be containing at 0.80%, we have contained it at 0.60%. Trade cost we envisaged at 0.75% but which is improved at 0.51% only. Return on equity 16.50% we said, now it is bettered at 18.07%. Earnings per share also we said 20, now it is 21.47%. Return on average asset we said, it will be hovering between 1.01-1.05% and we are towards the higher side of it that is what is at 1.04%. So you would see, everywhere whatever the guidance we have given, we have kept those guidance we have bettered those guidance. And again our performance should be seen in perspective of the total ecosystem, how our peers have fared and how we have fared. - So that is all from my side. I hope it is liked by you people also and we are open for any further clarification in this regard. - Moderator: - Thank you sir. We will start the question and answer session. Participants, those who have any question please raise your hand. We will take the first question from the line of Ashok Ajmera. Please go ahead. - Mr. Ashok Ajmera – Analyst: - Hello! Good evening sir. - Mr. Brajesh Kumar Singh – MD & CEO, Canara Bank: - Ashok sir, namaskar. - Mr. Ashok Ajmera – Analyst: - Namaskar sir, namaskar! Compliments to you sir and the entire team of Canara Bank. Very good results. You rightly said that we will appreciate your results. Yes, we are definitely appreciating sir because on most of these all parameters, you have excelled. I mean better than the targets given. And the bank is now as in the range of now 20 lakh crore business bank soon touching 30 lakh crores and very very sound asset quality also. Your PCR also has increased to 94.76%. So yes, progress on all the fronts. Having said this, some observations and some clarifications. - Number one, is this on the SMA side. Our SMA 0 has gone up, whatever numbers are given. From 862 crore to 3315. And there is a migration from SMA 1 to SMA 2. You know like SMA 1 is reduced. But SMA 2 has also gone up from 1394 to 3482 crores. So, is it the normalized things or can it be seen in view of this present geopolitical situation or some stress building up in some of the MSME or retail accounts? That the SMA 2 numbers have gone up from 1394 to 3482 crores and even SMA 0 also has started. So some color on that. - And based on that and connecting to that only, for this ECLGS5, what is the assessment made by us for the total eligible accounts? How much amount has been sanctioned and disbursed from that? So this is my first question Sir, on which I want your take sir. - Mr. Brajesh Kumar Singh – MD & CEO, Canara Bank: - Okay, sir, I will answer one by one. So first question, you said that our SMA2 has increased. But at the same time you see SMA1 has decreased. So what has happened, there are 3-4 big accounts, which are, with every bank is a consortium finance. But these accounts are government guaranteed account. They keep on oscillating between SMA 0, 1 and 2. So I cannot take the name of the accounts. But they are high value account. But it will never degrade considering it is government guaranteed. And for quite some time, it is oscillating between 0, 1 and 2. So [Showing first 8,000 characters — download PDF for full document]