Driving Customer Delight

& Growth Digitally

e₹

Financial Results: Q2 (FY 2024-25)

Page 1
 Performance Highlights
₹ in Crore

Global Business Global Deposit Global Advances Net Profit

9.42% 9.34% 9.53 % 11.31 %
y-o-y y-o-y y-o-y y-o-y
23,59,344 13,47,347 10,11,997 4014

CRAR PCR Gross NPA

16.57 % 90.89% 3.73 %
y-o-y y-o-y y-o-y decline
37 bps 216 bps 103 bps

Net NPA
0.99 %
y-o-y decline
42 bps

Page 2
 Key Highlights
₹ in Crore

11.54% 31.27% 12.29% 15.49%

y-o-y y-o-y y-o-y y-o-y
RAM Credit Retail Credit Housing Loan Vehicle Loan
5,76,589 1,94,556 99,452 18,607

10.57% 17.68% 32 bps

y-o-y y-o-y y-o-y
EPS Fee Based Income Slippage Ratio
17.41 2,436 1.00%

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 2025 Vs Actuals for September 2024

Page 4
 Driving Customer Delight
& Growth Digitally

Business
Performance
Page 5
 Business Performance
₹ in Crore

Growth (%)
Parameters Sep’23 Mar’24 Jun’24 Sep’24
Q-o-Q Y-o-Y
Global Gross Business 2156181 2272968 2310350 2359344 2.12 9.42
Domestic Gross Business 2021650 2123133 2151518 2192862 1.92 8.47
Overseas Gross Business 134531 149835 158832 166482 4.82 23.75

Global Gross Advances 923966 960602 975183 1011997 3.78 9.53

Domestic Gross Advances 878256 908182 920334 954149 3.67 8.64

Overseas Gross Advances 45710 52420 54849 57848 5.47 26.55

Global Deposits 1232215 1312366 1335167 1347347 0.91 9.34

Domestic Deposits 1143394 1214951 1231184 1238713 0.61 8.34

Overseas Deposits 88821 97415 103983 108634 4.47 22.31

Global C-D Ratio (%) 74.98 73.20 73.04 75.11 -- --

Page 6
 Domestic Deposit Mix
₹ in Crore

Growth (%)
Parameters Sep’23 Mar’24 Jun’24 Sep’24
Q-o-Q Y-o-Y

Saving Deposits 323021 328378 332248 340705 2.55 5.47

CASA Deposits 367614 392327 381448 387327 1.54 5.36

Term Deposit 775780 822624 849736 851386 0.19 9.75

Retail Term Deposit 480396 501403 514572 513372 (0.23) 6.86

Total Domestic Deposit 1143394 1214951 1231184 1238713 0.61 8.34

Global Deposits 1232215 1312366 1335167 1347347 0.91 9.34

Page 7
 Advances Mix
₹ in Crore
RAM: 57% Sep’24
Growth (%)
Parameters Sep’23 Jun’24 Sep’24
Retail
19%
Q-o-Q Y-o-Y
Corporate & Others RAM Credit 516949 551750 576589 4.50 11.54
43%
Agriculture & Allied

MSME 24%
Retail 148209 175794 194556 10.67 31.27
14%
Agriculture & Allied 236953 240894 242930 0.85 2.52

MSME 131787 135062 139103 2.99 5.55

RAM: 56% Sep’23
Corporate & others 407017 423433 435408 2.83 6.98
Retail
16% Domestic Gross
878256 920334 954149 3.67 8.64
Corporate & Others Advances
Agriculture & Allied
44%
MSME
26% Global Gross Advance 923966 975183 1011997 3.78 9.53
14%

Page 8
 Exceeded the Mandated Targets under Priority Sector

Exceeded the mandated norms in respect of:

 Total Priority (45.11% to ANBC against 40% norm)

 Agriculture (21.90% to ANBC against 18% norm)

Mandated
Norms under  Small and Marginal Farmers (15.29% to ANBC against 10.00% norm)
Priority Sector
 Non Corporate Farmers (18.02% to ANBC against 13.78% norm)

 Weaker Section (21.44% to ANBC against 12.00% norm)

 Micro Enterprises (10.21% to ANBC against 7.50% norm)

Page 9
 RAM & Retail Credit
RAM
₹ in Crore

576589

11.54%

516949

Sep'23 Sep'24

Retail Loans Housing Loans

194556
99452
31.27% 12.29%

88564
148209

Sep'23 Sep'24 Sep'23 Sep'24

Page 10
 Industry Credit
₹ in Crore

Growth (%)
Sector/Scheme Sep'23 Jun'24 Sep'24
Q-o-Q Y-o-Y
Infrastructure 115304 132942 128931 (3.02) 11.82

NBFC 143154 118529 127976 7.97 (10.60)

Textile 18454 18863 19074 1.12 3.36

Iron & Steel 15653 18767 17569 (6.38) 12.24

Commercial Real Estate 19497 22890 24019 4.93 23.19

Food Processing 11875 12451 12206 (1.97) 2.78

Engineering 13140 14135 13830 (2.16) 5.25

Petroleum, Coal products & Nuclear Fuels 10161 10291 10467 1.71 3.01

Construction 9786 9036 9196 1.78 (6.02)

Chemicals & Chemical Products 8809 11383 11313 (0.61) 28.42

Page 11
 Rating Profile

External Rating - Wise Distribution of Domestic Advances above ₹ 25 crore ₹ in Crore

(% of Total rated loan book above ₹ 25 crore)

Sep'23 Jun'24 Sep'24

External Rating Outstanding % Share Outstanding % Share Outstanding % Share

A and above 220726 80 211925 78 218715 78

BBB 29916 11 34681 13 33168 12

BB and below 24163 9 26705 9 27131 10

Total 274805 100 273311 100 279014 100

PSU PSE Customers (Sep’24)

Central Govt. Guarantee State Govt. Guarantee
17024 54565

Page 12
 Rating Profile
₹ in Crore

Rating Profile of Standard NBFC Domestic Exposure

Sep'23 Jun'24 Sep'24

External Rating Exposure % Share Exposure % Share Exposure % Share

A and above 138477 99 136866 99 126036 99

BBB 198 74 72
1 1 1
BB and below 12 46 39

Total 138687 100 136986 100 126147 100

Page 13
Driving Customer Delight
& Growth Digitally

Financial
Performance
Page 14
 Total Income
₹ in Crore

Quarterly

Parameters Growth (%)

Sep'23 Mar’24 Jun'24 Sep'24
Q-o-Q Y-o-Y

Interest Income 26838 28807 28701 29740 3.62 10.81

Interest on Advances 19367 20863 20778 21758 4.72 12.35

Interest on Investments 5647 5902 6078 6059 (0.31) 7.30

Other Interest Income 1824 2042 1845 1923 4.23 5.43

Non-Interest Income 4635 5217 5319 4981 (6.35) 7.46

Total Income 31473 34024 34020 34721 2.06 10.32

Page 15
 Non-Interest Income
₹ in Crore

Quarterly
Parameters Growth (%)
Sep'23 Mar’24 Jun'24 Sep'24
Q-o-Q Y-o-Y
Fee Based Income 2070 1941 1910 2436 27.54 17.68
Commission Exchange & Brokerage 329 437 353 382 8.22 16.11
Service Charges 900 886 798 880 10.28 (2.22)
Miscellaneous 841 618 759 1174 54.68 39.60
Treasury Income 587 865 503 885 75.94 50.77
Profit on Sale of Investments 356 663 349 661 89.40 85.67
Profit on Exchange Transactions 196 177 151 173 14.57 (11.73)
Dividend Income 35 25 3 51 -- 45.71
Recoveries in Written Off A/cs 1612 1900 1158 1191 2.85 (26.12)
Other Receipts( PSLC & Others) 366 511 1748 469 (73.17) 28.14
Total Non-Interest Income 4635 5217 5319 4981 (6.35) 7.46

Page 16
 Total Expenses
₹ in Crore

Quarterly
Parameters Growth (%)
Sep'23 Mar’24 Jun'24 Sep'24
Q-o-Q Y-o-Y
Interest Expenses 17935 19227 19535 20425 4.56 13.88
Interest on Deposits 16433 17714 18352 18652 1.63 13.50

Other Interests 1502 1513 1183 1773 49.87 18.04

Operating Expenses 5922 7410 6869 6642 (3.30) 12.16

Staff Cost 3792 4458 4230 4363 3.14 15.06

Other Operating Expenses 2130 2952 2639 2279 (13.64) 7.00

Total Expenses 23857 26637 26404 27067 2.51 13.46

Page 17
 Financials at a Glance
₹ in Crore

Quarterly

Parameters Growth (%)

Sep'23 Mar’24 Jun’24 Sep’24
Q-o-Q Y-o-Y
Net Interest Income 8903 9580 9166 9315 1.63 4.63

Total Interest Income 26838 28807 28701 29740 3.62 10.81

Total Interest Expenses 17935 19227 19535 20425 4.56 13.88

Total Income 31473 34024 34020 34721 2.06 10.32

Total Expenditure 23857 26637 26404 27067 2.51 13.46

Operating Profit 7616 7387 7616 7654 0.50 0.50

Provisions 4010 3630 3711 3640 (1.91) (9.23)

Net Profit 3606 3757 3905 4014 2.79 11.31

Page 18
 Continuous & Consistent Performance
4014
3905 90.89

3757
3656 89.10 89.22
3606 89.01
88.73

Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Sep'23 Dec'23 Mar'24 Jun'24 Sep-24

Net Profit (₹ in Cr) PCR (%)

4.76
4.39 4.23 1.41
4.14 1.32
3.73 1.27 1.24
0.99

Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24

Gross NPA (%) Net NPA (%)

Page 19
 Provisions
₹ in Crore

Quarterly
Parameters Growth (%)
Sep'23 Mar’24 Jun’24 Sep’24
Q-o-Q Y-o-Y
Total Provision 4010 3630 3711 3640 (1.91) (9.23)

NPAs 2202 2280 2171 2587 19.16 17.48

Standard Asset 81 44 21 134 538.10 65.43

Non Performing Investment 103 295 (125) (72) ---- ----

Income Tax 1402 1149 1428 1389 (2.73) (0.93)

Others 222 (138) 216 (398) ---- ----

Page 20
 Key Ratios
(%)
Sep’23 Mar’24 Jun’24 Sep’24
Ratios
Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative
Return on Assets 1.02 1.01 1.03 1.01 1.05 1.05 1.05 1.05

Return on Net-worth 22.01 22.51 21.18 22.06 20.88 20.88 19.78 20.44

Cost to Income 43.74 43.68 50.08 47.03 47.42 47.42 46.46 46.94

CD Ratio 74.98 74.98 73.20 73.20 73.04 73.04 75.11 75.11

EPS (Annualized)* 79.08 78.73 83.30 80.23 17.27 17.27 17.56 17.41

Book Value (In ₹)* 371.97 371.97 395.94 395.94 86.29 86.29 91.29 91.29

NIM 3.00 3.02 3.07 3.05 2.90 2.90 2.86 2.88

*Figures for Sep 2023 & March 2024 quarter is on Face Value of ₹10/- per share whereas figures for June 2024 & Sep 2024 quarter is on Face Value of ₹2/-
per share. In Sep924, by considering face value of ₹2/share cumulative EPS and Book Value per share would be ₹87.05 & ₹456.45 respectively without
considering stock split.

Page 21
 Key Ratios
NIM(%)
Cost Of Deposits (%) Yield on
3.05
5.70 5.70
Advances(%) 3.02
8.77
5.50 8.71
8.66 2.90
2.88
5.35
8.56

Sep'23 Mar'24 Jun'24 Sep'24 Sep'23 Mar'24 Jun'24 Sep'24 Sep'23 Mar'24 Jun'24 Sep'24

Cost Of Funds (%) Yield on Funds(%) Yield on Investments(%)

6.95
7.72 6.94
5.25 5.26 7.70

7.54 6.91
5.00
4.86 7.34 6.88

Sep'23 Mar'24 Jun'24 Sep'24 Sep'23 Mar'24 Jun'24 Sep'24 Sep'23 Mar'24 Jun'24 Sep'24

Page 22
 Driving Customer Delight
& Growth Digitally

INVESTMENTS Page 23
 Investment Portfolio
₹ in Crore

Sl. No Parameters Sep'23 Jun'24 Sep'24

1 Domestic Investments 346612 373591 375568

(a) SLR 310622 324203 326523

(b) Non SLR 35990 49388 49047

SLR as % to Dom. Investments 89.62 86.78 86.94

(i) Held To Maturity (HTM) 283405 298077 300563

(ii) Available For Sale (AFS) 62083 54730 52044

(iii) Fair Value Through Profit & Loss (FVTPL) (including HFT) 1124 19253 21432
(iv) Subsidiaries & Joint Ventures -- 1531 1531

2 Investment by Overseas Branches 2884 1911 2740

3 Total Gross Investment (1+2) 349496 375502 378308

HTM To Investment (%) 81.76 79.79 80.03

Page 24
 Non SLR Portfolio
₹ in Crore
% Share Y-o-Y Variation
Parameters Sep’23 Jun’24 Sep’24
(Sep'24) Amount %
PSU Bonds 3372 4138 4173 8.51 801 23.75
Corporate and Other Bonds 5427 7434 8500 17.33 3073 56.62
Special Govt. Sec excl. Recap Bonds 1741 633 633 1.29 (1108) (63.64)
CG Recap. Bond 18238 18238 18238 37.18 ----- -----
Share of PSU/Corporate/Others 4304 5342 5598 11.41 1294 30.07
Venture Capital Fund 379 380 381 0.78 2 0.53
Regional Rural Bank 333 287 287 0.59 (46) (13.81)
Security Receipts 742 1041 977 1.99 235 31.67
Subsidiaries JV 762 1244 1244 2.54 482 63.25
Other 692 10651 9016 18.38 8324 ------
Total Non SLR Investment 35990 49388 49047 100.00 13057 36.28

Page 25
 Driving Customer Delight
& Growth Digitally

Asset Quality
Page 26
 Asset Quality Ratios
₹ in Crore

Parameters Sep’23 Mar’24 Jun’24 Sep’24

Gross NPA 43956 40605 40356 37733

Gross NPA (%) 4.76 4.23 4.14 3.73

Net NPA 12554 11823 11702 9777

Net NPA (%) 1.41 1.27 1.24 0.99

Provision Coverage Ratio (%) 88.73 89.10 89.22 90.89

Credit Cost (%) 1.02 0.96 0.90 0.97

Slippage Ratio (%) 0.33 0.34 0.33 0.25

Page 27
 Movement of NPA
Parameters Sep’23 Mar’24 Jun’24 Sep’24 ₹ in Crore
NPA as at the beginning of the period 45727 41722 40605 40356
Cash Recovery towards Book Liability(i) 1198 929 780 1188
Up-gradation (ii) 671 520 495 659
Write Off (iii) 2889 3068 2311 3121
Total Reduction(i+ii+iii) 4758 4517 3586 4968
Fresh Addition 2987 3400 3337 2345
-Fresh Slippages 2894 3082 3015 2309

-Debits in existing NPA A/c 93 318 322 36

Gross NPAs at end of the period 43956 40605 40356 37733

Eligible Deductions incl. Provisions 31402 28782 28654 27956

Net NPAs 12554 11823 11702 9777

Recoveries in Written Off A/c 1791 2232 1371 1717

Total Cash recovery including Recovery in Written off A/cs 2989 3161 2151 2905

Page 28
 NPA Classification: Sector Wise
₹ in Crore

Advance O/s
Parameters Sep’23 Mar’24 Jun’24 Sep’24 GNPA (%)
(Sep’24)

Domestic Gross NPA 40235 37213 37235 34689 954149 3.64

Global Gross NPA 43956 40605 40356 37733 1011997 3.73

Retail 2000 2247 2249 2067 194556 1.06

Housing Loans 598 836 900 1156 99452 1.16

Vehicle Loans 237 268 283 284 18607 1.53

Other Personal Loans 315 354 353 313 60022 0.52

Agriculture & Allied 7429 8541 8815 9022 242930 3.71

MSME 12076 11234 11365 10713 139103 7.70

Corporate & Others 22451 18583 17927 15931 435408 3.66

Page 29
 NPA Classification : Industry wise
₹ in Crore

Sector/Scheme Sep’23 Mar’24 Jun’24 Sep’24 GNPA (%)

Infrastructure 5473 5637 5861 5619 4.36

Iron & Steel 658 568 561 508 2.89

Textile 1232 1431 1499 1251 6.56

Food Processing 1198 1121 1222 1087 8.91

Engineering 912 825 812 741 5.36

Page 30
 Special Mention Accounts (SMA)
₹ in Crore

SMA Position of the Bank (₹ 5 Cr and above)

Sep'23 Jun'24 Sep'24

No of % to Gross No of % to Gross No of % to Gross

Parameters Outstanding Outstanding Outstanding
Accounts Advances Accounts Advances Accounts Advances

SMA 2 221 4413 0.48 167 4134 0.42 160 10938 1.08

SMA 1 66 1047 0.11 65 881 0.09 47 691 0.07

TOTAL SMA 1 & 2 287 5460 0.59 232 5015 0.51 207 11629 1.15

SMA 0 109 1055 0.11 148 6033 0.62 97 3315 0.33

TOTAL 396 6515 0.70 380 11048 1.13 304 14944 1.48

Page 31
 Accounts referred to NCLT
₹ in Crore
Sep'23 Sep'24
Parameters No of Book Provision No of Book Provision
Provision Provision
Accounts Liability Coverage Accounts Liability Coverage
1st List - RBI 4 1102 1102 100% 4 1055 1055 100%
2nd List – RBI 11 5290 5290 100% 9 4666 4666 100%
Total RBI 1 & 2 15 6392 6392 100% 13 5721 5721 100%
Others 366 34016 32611 96% 358 31467 31016 99%
Total 381 40408 39003 97% 371 37188 36737 99%

NCLT Resolution Status

Cumulative Recovery
Sep’23 Sep’24
(FY 2024-25)
No of A/c Amount No of A/c Amount No of A/c Amount
Through Resolution 28 255 14 292 22 196
Through Liquidation 46 224 29 59 34 168
Through 12A Settlement 3 48 0 0 3 33
Through PPIRP 1 1 1 27 0 0
Through Other Mode under NCLT 14 157 5 6 13 152
Total 92 685 49 384 72 549

Page 32
Driving Customer Delight
& Growth Digitally

Capital &
Shareholding Page 33
 Capital Funds (Basel III)
₹ in Crore
Parameters Sep’23 Jun’24 Sep’24
CRAR (%)
Tier I 83679 98104 104313 16.57
16.20 16.38
Common Equity 71262 82265 85486
2.01 1.93
2.60
Additional Tier I 12417 15839 18827
2.32 2.64
Tier II 15971 13779 13741 2.02

Total (Tier I+II) 99650 111883 118054

Risk-weighted Assets 615308 682900 712625
Gross Advances 923966 975183 1011997 11.58 12.05 12.00
RWA to Gross Advances (%) 66.59 70.03 70.42

Tier I (%) 13.60 14.37 14.64

Common Equity (%) 11.58 12.05 12.00
Sep'23 Jun'24 Sep'24
Additional Tier I (%) 2.02 2.32 2.64 CET AT I TIER II
Tier II (%) 2.60 2.01 1.93
Total (Tier I+II) % 16.20 16.38 16.57

Page 34
 Shareholding Pattern as on September 30th,2024
Year ended FII/FPIs
holding (%)
Mar’22 8.48
Staff, 0.62 Others, 2.14
Resident Individuals, 12.04 Mar’23 8.95
Mar’24 10.57

FIIs/FPIs, 11.25

Mutual Funds, 4.34

Insurance Companies, 6.68 Government of India, 62.93

Page 35
 Driving Customer Delight
& Growth Digitally

Environmental, Social & Governance Page 36

 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 Bank9s journey towards Sustainability,
helping and uplifting the underserved
 Increased usage of LED light, BEE rated AC units Bank has in place:
communities through non profit organizations
 Gradual phasing out of DG sets viz
 Board approved ESG Policy.
 Canara Centenary Rural Development Trust
 Installed rooftop Solar Power system in 118 Bank  Canara Financial Advisory Trust  Green Deposit Policy & Lending Framework.
owned properties, with a total capacity of 3383 KWp.  Canara Golden Jubilee Education Fund  Published its second BRSR report as part of
 EV charging station has been commissioned in Head  Canara Relief and Welfare Society Annual Report for FY 2023-24.
Office Building for charging of staff9s E-Vehicles.  Financial Literacy Centres (FLC)
 Rural Self Employment Training Institutes  Published maiden Sustainability Report for FY
 Canara Institute of Bank Management, Manipal and 2023-24 highlighting Bank9s commitment to
Townhall Welfare Branch achieved a Silver rating (RSETIs)
 Rural Development & Self Employment Training environmental stewardship, social
under IGBC Green Campus Certification system. responsibility, and ethical governance.
Institutes ( RUDSETIs.)
 Bank9s Residential building at 221, RMV Extension,  During quarter ending September 2024, Bank  Bank has a Chief Ethics Officer and an exclusive
Bengaluru has been certified under GRIHA (Green has conducted 2,310 awareness programs and 8Ethics Section9 is in place to oversee the
Rating for Integrated Habitat). 653 training programs through its RSETIs and implementation of business ethics in the
 Bank is having a significant portfolio under sustainable RUDSETIs, benefiting 19,000 plus candidates to organization.
finance which includes Renewable Energy Projects, upgrade their skill sets.  Bank has been recognized for <Excellent
Compressed Biogas & Energy Conservation scheme,  Bank has 115 Financial Literacy Centres (FLCs) Practices and Adoption of ESG Initiatives= at the
Solar Pump scheme under PM-KUSUM, Roof Top Solar through which 1,456 camps have been 2nd ICC Emerging Asia Conclave 2024, organized
(RTS) for residential sector with subsidy, Canara Green conducted and 1,40,221 persons were extended by the Indian Chamber of Commerce.
Wheels scheme for E vehicles. Financial Literacy during quarter ending
 Scope 1 & Scope 2 emissions of the bank accounts for September 2024.
a total of 35296.13 tCO2 and 195643.45 tCO2  To promote diversity , equity & inclusive growth,
respectively for the financial year 2023-24. Bank has in place a Women Empowerment
 Bank has fixed the Carbon Footprint Budget for its Committee named as 8Advaita9 to support the
Employees9 official Air travel for the FY 2024-25. women employee fraternity of the Bank.
Page 37
 Driving Customer Delight
& Growth Digitally New Design

Distribution Network Page 38

 Distribution Network
Parameters Sep'23 Jun'24 Sep'24
General Branches(a) 8757 8997 9032
Specialised Branches(b) 761 626 626
Total Domestic Branches(a+b) 9518 9623 9658
Overseas Branches 4 4 4
BC Points 13427 13167 13173
Total Banking Outlets 22949 22794 22835
ATM 10553 10014 9881
Recycler 1565 2242 2310

Presence across Urban & Rural areas

Sep’24 4 International
Urban Branches
Semi-Urban 1918

•
2778 20%
29% Metro
New York
1847 • London
Rural 19%
3115 • Dubai
32%
• IBU, Gift City, Gujarat

Page 39
 Driving Customer Delight
& Growth Digitally

Digital Footprint Page 40

 Digital Footprint

1100.49
5.85
858.56 2.69
430.34
302.81
5.42 2.62

SEP'23 SEP'24 SEP'23 SEP'24 SEP'23 SEP'24 SEP'23 SEP'24

MeitY Digital Transactions( Nos in Internet Banking Registrations (Nos in
E-Transactions (Nos in Crores) Debit Card Outstanding (Nos in
Crore) Crores)
Crores)

0.75 6.61
3.10
9.59
2.48 2.48
1.92
0.66 8.05

SEP'23 SEP'24 SEP'23 SEP'24 SEP'24 SEP'23 SEP'24 SEP'23 SEP'24

CBDC Registrations UPI Registrations (Nos in
Mobile Banking Registrations PoS (No in Lakhs) Credit Card ( No in Lakhs)
(Nos in Lakhs) Crores)
(Nos in Crores)
Page 41
 New Digital Initiatives
Integration of 300 APIs in gateway is completed to customers who do not have proper ERP solution through
API
partners such as Zohobooks, Marg Erp etc., to garner fresh CASA.
Banking
API Banking is integrated with Tally software which offers seamless connectivity services and banking transactions

Chat Bot
Customers can make enquiries such as account balance, EMI calculator, Loan Interest Rates etc
from Pre-login page of the Mobile/Internet Banking application.

Aadhar
Data Fetch & store Aadhar details through Aadhar Data Vault facility is implemented in Mobile/Net Banking.
Vault

Digital
Lending Digital lending platform is successfully integrated in Net Banking page.
integration

Digital
Lending Gold Loan (Retail & Agriculture) successfully live on Digital lending platform on 17.09.2024

Credit Card
Introduction of Multiple billing cycle option to Credit Card customers.
Billing

Page 42
 Subsidiaries & Associates
₹ in Crore

Total Profit Our share

Name of the Entity Holding(%)
Sep’24
SUBSIDIARIES
Canara Robeco Asset Management Company Ltd. 51 80.26 40.93
Canara HSBC Life Insurance Company Ltd. 51 55.57 28.34
Canbank Factors Ltd. 70 2.66 1.86
Canbank Computer Services Ltd. 69.14 7.66 5.30
Canara Bank Securities Ltd. 100 5.60 5.60
Canbank Financial Services Ltd. 100 5.11 5.11
Canara Bank (Tanzania) Ltd. 100 0.46 0.46
Canbank Venture Capital Fund Ltd. 100 0.40 0.40
Total 157.72 88.00
ASSOCIATES
Andhra Pragathi Grameena Bank 35 392.82 137.49
Can Fin Homes Ltd. 29.99 411.13 123.30
Kerala Gramin Bank 35 152.40 53.34
Karnataka Vikas Grameena Bank 35 61.52 21.53
Karnataka Gramin Bank 35 (252.02) (88.21)
Total 765.85 247.45

Page 43
 Guidance for March 2025 Vs Actuals for September 2024

Guidance
Parameters Actuals as on 30.09.2024
(31.03.2025)
Business Growth (Global) 10.00% 9.42%
Advances Growth (Global) 10.00% 9.53%
Deposits Growth (Global) 9.00% 9.34%
CASA (Domestic CASA to Domestic Deposit) 33.00% 31.27%
NIM (Global)(Annualized) 2.90% 2.88%
Gross NPA (Global) 3.50% 3.73%
Net NPA (Global) 1.10% 0.99%
PCR (Global) 90.00% 90.89%
Slippage Ratio (Global)(Annualized) 1.30% 1.00%
Credit Cost (Global)(Annualized) 1.10% 0.97%
Return on Equity (RoE) 18.00% 20.44%
Earning per share (EPS)( Annualized) (Face Value Rs.2/- per
16.40 17.41
share)
Return on Average Assets (RoA) 1.00% 1.05%

Page 44
 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 to differ
materially from those suggested by the forward looking statements. These risks and uncertainties
include, but are not limited to our ability to successfully implement our strategy, future levels of non-
performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our
provisioning policies, technological changes, investment income, cash flow projections, our exposure
to market risks as well as other risks. Canara Bank undertakes no obligation to update the forward-
looking statements to reflect events or circumstances after the date thereof.

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 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.

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