CANBK

Ref:: SD:577/578/11/12::2023-24 24.01.2024 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 Third Quarter & Nine Months, ended 31.12.2023. We herewith enclose a copy of Investor Presentation / Performance Highlights on the Unaudited (Reviewed) Financial Results (Standalone and Consolidated) for the Third Quarter & Nine Months, ended 31.12.2023. This is for your information & records. Yours faithfully, SANTOSH KUMAR BARIK COMPANY SECRETARY _______________________________________________________________________________________________________________________ सचिवीय चवभाग Secretarial Department प्रधान कार्ाालर् Head Office F +91 80 22248831 112, जे सी रोड, बेंगलूरु - 560002 112 J C Road, Bengaluru - 560002 T +91 80 22100250 E-Mail - hosecretarial@canarabank.com www.canarabank.com Inspired by Customers driven by Digital e₹ Financial Results: Q3 (FY 2023-24) Restricted Page 1 Performance Highlights ₹ in Crore Net Interest Domestic Net Profit Global Business Income Advances 26.86% 9.87% 9.50% 12.56% y-o-y y-o-y y-o-y y-o-y 3,656 22,13,360 9,417 9,01,465 PCR 25 bps 9 months Net Profit for 89.01% y-o-y FY 23-24 of ₹10,797 y-o-y Return on Assets surpassed Net Profit for 269 bps 1.01% entire FY 22-23 (₹10,604) Credit Cost Gross NPA Net NPA 0.97% 4.39% 1.32% y-o-y decline y-o-y decline y-o-y decline 24 bps 150 bps 64 bps Restricted Page 2 Key Highlights ₹ in Crore 19.26% 9.46% 12.07% 12.14% y-o-y y-o-y y-o-y y-o-y Agriculture & Allied MSME Housing Loan Retail Credit 2,42,470 1,34,334 91,800 1,53,640 13.22% RAM Credit 45.74% y-o-y 14.56% y-o-y Vehicle Loan y-o-y EPS 16,960 5,30,444 79.21 357 bps 9 bps y-o-y y-o-y Return on Equity Net Interest Margin 21.95% 3.02% Restricted Page 3 Contents Business Performance 06-13 Financial Performance 15-22 Investments 24-25 Asset Quality 27-32 Capital & Shareholding 34-35 Environmental, Social & Governance 37-38 Distribution Network & Digital Footprint 40-43 Subsidiaries & Associates 44-44 Goals for March 2024 vs Actuals for December 2023 45-45 Restricted Page 4 Inspired by Customers driven by Digital Business Performance Restricted Page 5 Business Performance ₹ in Crore Growth (%) Parameters Dec’22 Mar'23 June’23 Sep’23 Dec’23 Q-o-Q Y-o-Y Global Gross Business 2014443 2042001 2080141 2156181 2213360 2.65 9.87 Domestic Gross Business 1880607 1912508 1947569 2021650 2068313 2.31 9.98 Overseas Gross Business 133836 129493 132572 134531 145047 7.82 8.38 Global Gross Advances 850973 862782 887671 923966 950430 2.86 11.69 Domestic Gross Advances 800907 817762 843063 878256 901465 2.64 12.56 Overseas Gross Advances 50066 45020 44608 45710 48965 7.12 (2.20) Global Deposits 1163470 1179219 1192470 1232215 1262930 2.49 8.55 Domestic Deposits 1079700 1094746 1104506 1143394 1166848 2.05 8.07 Overseas Deposits 83770 84473 87964 88821 96082 8.17 14.70 Global C-D Ratio (%) 73.14 73.17 74.44 74.98 75.26 -- -- Restricted Page 6 Domestic Deposit Mix ₹ in Crore Growth (%) Parameters Dec’22 Mar'23 Jun'23 Sep’23 Dec’23 Q-o-Q Y-o-Y Saving Deposits 310547 318818 320628 323021 324027 0.31 4.34 Current Deposits 40943 47654 43836 44593 45229 1.43 10.47 CASA Deposits 351490 366472 364464 367614 369256 0.45 5.05 Term Deposit 728210 728274 740042 775780 797592 2.81 9.53 Retail Term Deposit 463083 461737 466162 480396 490493 2.10 5.92 Total Domestic Deposit 1079700 1094746 1104506 1143394 1166848 2.05 8.07 Global Deposits 1163470 1179219 1192470 1232215 1262930 2.49 8.55 Restricted Page 7 Advances Mix ₹ in Crore RAM: 56% Dec’23 Retail Growth (%) 16% Parameters Dec'22 Sep’23 Dec’23 Corporate & Others Q-o-Q Y-o-Y Agriculture & Allied 44% 26% RAM Credit 463038 516949 530444 2.61 14.56 MSME 14% Retail 137007 148209 153640 3.66 12.14 Agriculture & Allied 203312 236953 242470 2.33 19.26 RAM: 54% Dec’22 MSME 122719 131787 134334 1.93 9.46 Retail Corporate & others 387935 407017 419986 3.19 8.26 16% Corporate& Others Agriculture & Allied Domestic Gross 800907 878256 901465 2.64 12.56 46% 24% Advances MSME 14% Global Gross Advance 850973 923966 950430 2.86 11.69 Restricted Page 8 Exceeded the Mandated Targets under Priority Sector Exceeded the mandated norms in respect of:  Total Priority (45.91% to ANBC against 40% norm)  Agriculture (21.77% to ANBC against 18% norm) Mandated Norms under  Small and Marginal Farmers (15.18% to ANBC against 10.00% norm) Priority Sector  Non Corporate Farmers (18.24% to ANBC against 13.78% norm)  Weaker Section (21.66% to ANBC against 12.00% norm)  Micro Enterprises (10.18% to ANBC against 7.50% norm) Restricted Page 9 RAM & Retail Credit RAM ₹ in Crore 530444 14.56% 463038 Dec'22 Dec'23 Retail Loans Housing Loans 153640 91800 12.14% 12.07% 137007 81916 Dec'22 Dec'23 Dec'22 Dec'23 Restricted Page 10 Industry Credit ₹ in Crore Growth (in %) Sector/Scheme Dec'22 Sep’23 Dec’23 Q-o-Q Y-o-Y Infrastructure 114682 115304 126697 9.88 10.48 NBFC 138757 143154 135872 (5.09) (2.08) Textile 18481 18454 18805 1.90 1.75 Iron & Steel 16347 15653 17210 9.95 5.28 Commercial Real Estate 19990 19497 20643 5.88 3.27 Food Processing 13300 11875 12202 2.75 (8.26) Engineering 12499 13140 13699 4.25 9.60 Petroleum, Coal products & Nuclear Fuels 12303 10161 11015 8.41 (10.47) Construction 9215 9786 10291 5.16 11.68 Chemicals & Chemical Products 7220 8809 10196 15.75 41.22 Restricted Page 11 Rating Profile External Rating - Wise Distribution of Domestic Advances above ₹ 25 crore ₹ in Crore (% of Total rated loan book above ₹ 25 crore) Dec'22 Sep'23 Dec'23 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 213484 78 220726 80 219850 80 BBB 33650 12 29916 11 31108 11 BB and below 27705 10 24163 9 24643 9 Total 274839 100 274805 100 275601 100 PSU PSE Customers (Dec’23) Central Govt. Guarantee State Govt. Guarantee 16422 48935 Restricted Page 12 Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Dec'22 Sep'23 Dec'23 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 133462 99 138477 99 129970 99 BBB 458 198 155 1 1 1 BB and below 107 12 20 Total 134027 100 138687 100 130145 100 Restricted Page 13 Inspired by Customers driven by Digital Financial Performance Restricted Page 14 Total Income ₹ in Crore Quarterly Parameters Growth Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Q-o-Q(%) Y-o-Y(%) Interest Income 22231 23910 25004 26838 28039 4.47 26.13 Interest on Advances 16210 17538 18064 19367 19894 2.72 22.73 Interest on Investments 4947 5263 5349 5647 5775 2.27 16.74 Other Interest Income 1074 1109 1591 1824 2370 29.93 120.67 Non-Interest Income 3986 4776 4819 4635 4295 (7.34) 7.75 Total Income 26217 28686 29823 31473 32334 2.74 23.33 Restricted Page 15 Non-Interest Income ₹ in Crore Quarterly Parameters Growth Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Q-o-Q(%) Y-o-Y(%) Fee Based Income 1606 1905 1636 2070 1772 (14.40) 10.34 Commission Exchange & Brokerage 333 387 263 329 383 16.41 15.02 Service Charges 905 926 812 900 819 (9.00) (9.50) Miscellaneous 368 592 561 841 570 (32.22) 54.89 Treasury Income 906 390 536 587 495 (15.67) (45.36) Profit on Sale of Investments 386 151 294 356 310 (12.92) (19.69) Profit on Exchange Transactions 498 228 236 196 156 (20.41) (68.67) Dividend Income 22 11 6 35 29 (17.14) 31.82 Recoveries in Written Off A/cs 1192 2167 796 1612 1655 2.67 38.84 Other Receipts( PSLC & Others) 282 314 1851 366 373 1.91 32.27 Total Non-Interest Income 3986 4776 4819 4635 4295 (7.34) 7.75 Restricted Page 16 Total Expenses ₹ in Crore Quarterly Parameters Growth Dec'22 Mar'23 Jun'23 Sep'23 Dec’23 Q-o-Q(%) Y-o-Y(%) Interest Expenses 13631 15293 16338 17935 18622 3.83 36.62 Interest Paid on Deposits 12542 14097 15043 16433 17092 4.01 36.28 Other Interests 1089 1196 1295 1502 1530 1.86 40.50 Operating Expenses 5634 6141 5881 5922 6906 16.62 22.58 Staff Cost 3482 3727 3651 3792 4533 19.54 30.18 Other Operating Expenses 2152 2414 2230 2130 2373 11.41 10.27 Total Expenses 19265 21434 22219 23857 25528 7.00 32.51 Restricted Page 17 Financials at a Glance ₹ in Crore Quarterly Growth Parameters Dec'22 Mar'23 Jun'23 Sep'23 Dec’23 Q-o-Q(%) Y-o-Y(%) Net Interest Income 8600 8617 8666 8903 9417 5.77 9.50 Total Interest Income 22231 23910 25004 26838 28039 4.47 26.13 Total Interest Expenses 13631 15293 16338 17935 18622 3.83 36.62 Total Income 26217 28686 29823 31473 32334 2.74 23.33 Total Expenditure 19265 21434 22219 23857 25528 7.00 32.51 Operating Profit 6952 7252 7604 7616 6806 (10.64) (2.10) Provisions 4070 4077 4069 4010 3150 (21.45) (22.60) Net Profit 2882 3175 3535 3606 3656 1.39 26.86 Restricted Page 18 Continuous & Consistent Growth 3535 3606 3656 3175 89.01 2882 88.73 88.04 87.31 86.32 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Net Profit (₹ in Cr) PCR (%) 5.89 5.35 5.15 1.96 4.76 4.39 1.73 1.57 1.41 1.32 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Gross NPA (%) Net NPA (%) Restricted Page 19 Provisions ₹ in Crore Quarterly Parameters Growth Dec'22 Mar'23 Jun'23 Sep'23 Dec’23 Q-o-Q(%) Y-o-Y(%) Total Provision 4070 4077 4069 4010 3150 (21.45) (22.60) NPAs 1920 2399 2417 2202 2106 (4.36) 9.69 Standard Asset 155 (71) 3 81 103 27.16 (33.55) Non Performing Investment 694 47 332 103 181 75.73 (73.92) Income Tax 950 982 1350 1402 1250 (10.84) 31.58 Others 351 720 (33) 222 (490) -- -- Restricted Page 20 Key Ratios (%) Dec'22 Mar’23 Sep'23 Dec'23 Ratios Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 0.88 0.76 0.95 0.81 1.02 1.01 1.01 1.01 Return on Net-worth 20.43 18.38 21.68 19.49 22.01 22.51 21.06 21.95 Cost to Income 44.77 44.40 45.85 44.79 43.74 43.68 50.37 45.93 CD Ratio 73.14 73.14 73.17 73.17 74.98 74.98 75.26 75.26 EPS (Annualized) 63.02 54.35 70.67 58.45 79.08 78.73 80.17 79.21 Book Value (In ₹) 323.55 323.55 331.81 331.81 371.97 371.97 390.78 390.78 NIM 3.05 2.93 3.07 2.95 3.00 3.02 3.03 3.02 Restricted Page 21 Key Ratios NIM(%) Cost Of Deposits (%) Yield on Advances(%) 3.05 5.22 5.35 5.42 3.02 3.02 4.38 4.19 8.56 8.60 8.43 2.95 7.70 2.93 7.45 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Yield on Investments(%) Yield on Funds(%) Cost Of Funds (%) 7.28 7.34 7.45 6.90 6.88 4.76 4.86 4.93 6.20 6.42 6.85 4.03 3.86 6.69 6.63 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Dec'22 Mar'23 Jun'23 Sep'23 Dec'23 Restricted Page 22 Inspired by Customers driven by Digital INVESTMENTS Restricted Page 23 Investment Portfolio ₹ in Crore Sl. No Parameters Dec'22 Sep'23 Dec'23 1 Domestic Investments 314535 346612 346429 (a) SLR 276000 310622 310448 (b) Non SLR 38535 35990 35981 SLR as % to Dom. Investments 87.75 89.62 89.61 (i) Held To Maturity (HTM) 266925 283405 286385 (ii) Available For Sale (AFS) 47322 62083 59746 (iii) Held For Trading (HFT) 289 1124 298 2 Investment by Overseas Branches 2730 2884 2068 3 Total Gross Investment (1+2) 317265 349496 348497 HTM To Investment (%) 84.86 81.76 82.67 Restricted Page 24 Non SLR Portfolio ₹ in Crore Y-o-Y Variation % Share Parameters Dec'22 Sep'23 Dec'23 (Dec'23) Amount % PSU Bonds 3899 3372 3392 9.43 (507) (13.00) Corporate and Other Bonds 6929 5427 5540 15.40 (1389) (20.05) Special Govt. Sec excl. Recap Bonds 2388 1741 1741 4.84 (647) (27.09) CG Recap. Bond 18238 18238 18238 50.69 0 0.00 Share of PSU/Corporate/Others 4340 4304 4205 11.69 (135) (3.11) Venture Capital Fund 425 379 379 1.05 (46) (10.82) Regional Rural Bank 287 333 333 0.93 46 16.03 Security Receipts 534 742 791 2.20 257 48.13 Subsidiaries JV 836 762 762 2.12 (74) (8.85) Other 659 692 601 1.67 (58) (8.80) Total Non SLR Investment 38535 35990 35982 100.00 (2553) (6.63) Restricted Page 25 Inspired by Customers driven by Digital Asset Quality Restricted Page 26 Asset Quality Ratios ₹ in Crore Parameters Dec'22 Mar’23 Sep'23 Dec’23 Gross NPA 50143 46160 43956 41722 Gross NPA (%) 5.89 5.35 4.76 4.39 Net NPA 15982 14349 12554 12176 Net NPA (%) 1.96 1.73 1.41 1.32 Provision Coverage Ratio (%) 86.32 87.31 88.73 89.01 Credit Cost (%) 1.21 1.17 1.02 0.97 Slippage Ratio (%) 0.34 0.34 0.33 0.31 Restricted Page 27 Movement of NPA ₹ in Crore Parameters Dec'22 Mar’23 Sep'23 Dec'23 NPA as at the beginning of the period 52485 50143 45727 43956 Cash Recovery towards Book Liability(i) 1776 1904 1198 958 Up-gradation (ii) 940 735 671 516 Write Off (iii) 2836 4317 2889 3936 Total Reduction(i+ii+iii) 5552 6956 4758 5410 Fresh Addition 3210 2973 2987 3176 -Fresh Slippages 3018 2857 2894 2697 -Debits in existing NPAA/c 192 116 93 479 Gross NPAs at end of the period 50143 46160 43956 41722 Eligible Deductions incl. Provisions 34161 31811 31402 29546 Net NPAs 15982 14349 12554 12176 Recoveries in Written Off A/c 1304 2445 1791 1804 Total Cash recovery including Recovery in Written off A/cs 3080 4349 2989 2762 Restricted Page 28 NPA Classification: Sector Wise ₹ in Crore Advance O/s Parameters Dec'22 Mar'23 Sep'23 Dec'23 GNPA (%) (Dec'23) Domestic Gross NPA 45324 41387 40235 38327 901465 4.25 Global Gross NPA 50143 46160 43956 41722 950430 4.39 Retail 2070 2020 2000 2298 153640 1.50 Housing Loans 605 568 598 796 91800 0.87 Vehicle Loans 242 226 237 262 16960 1.54 Other Personal Loans 348 318 315 340 28371 1.20 Agriculture & Allied 7904 7399 7429 8099 242470 3.34 MSME 12691 11895 12076 11493 134334 8.56 Corporate & Others 27478 24846 22451 19832 419986 4.72 Restricted Page 29 NPA Classification : Industry wise ₹ in Crore Sector/Scheme Dec'22 Mar’23 Sep'23 Dec'23 GNPA (%) Infrastructure 7141 6079 5473 5491 4.33 Iron & Steel 681 739 658 591 3.43 Textile 1305 1284 1232 1415 7.52 Food Processing 1203 1119 1198 1282 10.51 Engineering 1014 955 912 844 6.16 Restricted Page 30 Special Mention Accounts (SMA) ₹ in Crore SMA Position of the Bank (₹ 5 Cr and above) Jun’23 Sep’23 Dec’23 No of % to Gross No of % to Gross No of % to Gross Parameters Outstanding Outstanding Outstanding Accounts Advances Accounts Advances Accounts Advances SMA 2 237 3367 0.38 221 4413 0.48 204 4516 0.48 SMA 1 72 3482 0.39 66 1047 0.11 91 1505 0.15 TOTAL SMA 1 & 2 309 6849 0.77 287 5460 0.59 295 6021 0.63 SMA 0 172 3045 0.34 109 1055 0.11 140 1623 0.17 TOTAL 481 9894 1.11 396 6515 0.70 435 7644 0.80 SMA 0,1 & 2% TO 1.11 0.70 0.80 GROSS ADVANCES Restricted Page 31 Accounts referred to NCLT ₹ in Crore Dec'22 Dec'23 Parameters No of Book Provision No of Book Provision Provision Provision Accounts Liability Coverage Accounts Liability Coverage 1st List - RBI 5 1462 1462 100% 4 1096 1096 100% 2nd List – RBI 11 5313 5313 100% 11 5290 5290 100% Total RBI 1 & 2 16 6775 6775 100% 15 6386 6386 100% Others 352 34130 32701 96% 362 32412 31825 98% Total 368 40905 39476 96% 377 38798 38211 98% NCLT Resolution Status Cumulative Recovery Dec'22 Dec'23 (FY 2023-24) No of A/c Amount No of A/c Amount No of A/c Amount Through Resolution 28 770 12 258 11 368 Through Liquidation 55 183 30 137 28 73 Through 12A Settlement 3 9 0 0 2 7 Through PPIRP 1 28 0 0 1 1 Through Other Mode under NCLT 11 15 5 32 5 8 Total 98 1005 47 427 47 457 Restricted Page 32 Inspired by Customers driven by Digital Capital & Shareholding Restricted Page 33 Capital Funds (Basel III) ₹ in Crore Parameters Dec'22 Sep'23 Dec'23 Tier I 76240 83679 87964 CRAR (%) Common Equity 63813 71262 74137 16.72 16.20 15.78 Additional Tier I 12427 12417 13827 3.04 Tier II 16935 15971 15770 2.60 2.40 Total (Tier I+II) 93175 99650 103734 2.23 2.02 2.10 Risk-weighted Assets 557252 615308 657464 Gross Advances 850973 923966 950430 RWA to Gross Advances (%) 66.59 69.18 65.48 Tier I (%) 13.68 13.60 13.38 11.45 11.58 11.28 Common Equity (%) 11.45 11.58 11.28 Additional Tier I (%) 2.23 2.02 2.10 Tier II (%) 3.04 2.60 2.40 Total (Tier I+II) % 16.72 16.20 15.78 Dec'22 Sep'23 Dec'23 CET AT I TIER II Restricted Page 34 Shareholding Pattern as on December 31st,2023 Staff, 0.65 Resident Individuals, 9.53 Others, 2.53 FIIs/FPIs, 11.21 Mutual Funds, 5.21 Insurance Companies, 7.94 Government of India, 62.93 Restricted Page 35 Inspired by Customers driven by Digital Environmental, Social & Governance Restricted 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  Towards the Bank’s journey towards helping and uplifting the underserved Sustainability, Bank has in place:  Increased usage of LED light, BEE rated AC units communities through non profit organizations viz  CanaraCentenary RuralDevelopment Trust  Board approved ESGPolicy.  Gradual phasing out of DG sets (discontinued DG  CanaraFinancial Advisory Trust Sets at868 locations)  Green Deposit policy & Lending Framework.  CanaraGolden Jubilee Education Fund  Installed rooftop Solar Power system in 69 Bank  CanaraRelief and Welfare Society  ESG Statement demonstrating the Bank’s owned properties and 6 more underway, with a  Financial Literacy Centres(FLC) commitment, initiatives & actions built around total capacity of 2510 KWp.  Rural Self Employment Training Institutes its Seven Founding Principles in line with the  EV charging station has been commissioned in (RSETIs) ESG concept aligning with the United Nation’s Head Office Building for charging of staff’s E-  Rural Development & Self Employment Training Sustainable Development Goals (SDGs). Vehicles. Institutes ( RUDSETIs.)  Published its first BRSR report as part of  During quarter ending December 2023, Bank has Annual Report forFY 2022-23  100 Branches were identified for obtaining Indian conducted 2363 awareness programs and 621 Green Building Council (IGBC) Green Interiors  Bank has already appointed a Chief Ethics training programs through its RSETIs and Ratings Certification and works have Officer and an exclusive Ethics Section is RUDSETIs, benefiting 15,000 plus candidates to commenced. formed to oversee the implementation of upgrade their skill sets. business ethics in the organization.  Bank is having a significant portfolio under  Bank has setup 115 Financial Literacy Centres sustainable finance which includes Renewable (FLCs) through which 3874 camps have been Energy Projects, Compressed Biogas & Energy conducted and 3,27,554 persons were extended Conservation scheme, Solar Pump scheme under Financial Literacy in December quarter. PM-KUSUM, Roof Top Solar (RTS) for residential  To promote diversity , equity & inclusive growth, sector with subsidy, Canara Green Wheels Bank has formed Women Empowerment scheme forE vehicles. Committee named as ‘Advaita’ to support the women employee fraternity of the Bank. Restricted Page 37 Bank’s initiatives towards Climate Risk Management Climate Risk Governance • The Board approved internal ESG policy of the Bank encompasses aspects of Climate Risk (including Physical Risks and Transition Risks), wherein well defined roles & responsibilities of the Board, RMCB and other Member Teams have been detailed. • The Bank has incorporated Qualitative ESG & Climate Risk parameters which forms a part of the existing Proposal Rating Model for better assessment of its Corporate borrowersunder its Go/No-Go exercise. Climate Risk Strategy • Bank is in process of formulating its climate risk strategy and methodology which focuses on integrating climate-risk assessment as part of its on-going risk management process by including physical and transitional risks to which the customer as well as the Bank is exposed to and crystallization of the same into any possible reputational risks. • Bank is exploring ways to acquire granular data further corroborated by Business Responsibility & Sustainability Reporting(BRSR) data (FY23 onwards) and test tools for climate riskassessment and conduct scenario analysis through suitable partnerships. • The Bank has envisaged its path for assessing Climate related financial risks in the Short, Medium & Long-term, which includes Compliance on ESG/Climate Risk related measures in short term to analyzing of financial implications from low-carbon transitions adopted by its borrowers in the long term. Bank’s Carbon Emissions and Metrics • As part of Disclosure, Bank has published its first Business Responsibility & Sustainability Reporting(BRSR) report in its Annual Report for FY 2022-23, which shows Scope 1 (Direct emissions) & Scope 2 (emissions from purchased electricity) emissions at 11741.85 tCO2 and 272722.94 tCO2, respectively for the financial year 2022-23. With this the Bank sets its tone for operationalizing itself with lower emissions in the coming years. Restricted Page 38 Inspired by Customers driven by Digital Distribution Network Restricted Page 39 Distribution Network Parameters Dec'22 Sep'23 Dec'23 General Branches(a) 8897 8757 8964 Specialised Branches(b) 823 761 621 Total Domestic Branches(a+b) 9720 9518 9585 Overseas Branches 3 3 3 BC Points 9691 13427 13427 Total Banking Outlets 19414 22948 23015 ATM 10745 10553 10463 Recycler 1402 1565 1657 Presence across Urban & Rural areas Dec’23 3 International Urban Branches 1906 Semi-Urban 20% 2742 29% Metro • New York 1842 • London Rural 19% 3095 • Dubai 32% Restricted Page 40 Inspired by Customers driven by Digital Digital Footprint Restricted Page 41 Digital Footprint 1321.95 5.71 954.62 2.65 482.89 315.95 4.94 2.35 DEC'22 DEC'23 DEC'22 DEC'23 DEC'22 DEC'23 DEC'22 DEC'23 Internet Banking Registrations (Nos in MeitY Digital Transactions( Nos in E-Transactions (Nos in Crores) Debit Card Outstanding (Nos in Crores) Crore) Crores) 0.70 4.41 8.72 2.64 2.07 6.03 1.93 1.55 0.61 DEC'22 DEC'23 DEC'22 DEC'23 DEC'22 DEC'23 DEC'23 DEC'22 DEC'23 UPI Registrations (Nos in Mobile Banking Registrations PoS (No in Lakhs) CBDC (Nos in Lakhs) Credit Card( Nos in Lakhs) Crores) (Nos in Crores) Restricted Page 42 New Digital Initiatives Data and Analytics Center, a state of the art facility for innovation & collaboration, one of its kind in DnA PSBs to facilitate Data driven Business & Analytics to supplement Top line growth. ai1 App Facilities for Corporate Internet Banking users to transact through Mobile Device in addition to for Desktop/Laptop. Corporate Account User can view the balance and transactions of their accounts maintained with other Aggregator financial institutions through ai1 App. API 135 APIs made live in new API gateway (APIGEE) Credit Card Credit Card Bill payment through BBPS, IMPS and UPI Bill Payment EMI Integration with Mswipe, Payswiff and Paytm for EMI conversion of Credit Card transactions on conversion their PoS Terminals. Restricted Page 43 Subsidiaries & Associates ₹ in Crore Total Profit Our share Name of the Entity Holding(%) Dec’23 SUBSIDIARIES Canara Robeco Asset Management Company Ltd. 51 82.51 42.08 Canara HSBC Life Insurance Company Ltd. 51 77.09 39.32 Canbank Factors Ltd. 70 5.24 3.67 Canbank Computer Services Ltd. 69.14 11.77 8.14 Canara Bank Securities Ltd. 100 7.11 7.11 Canbank Financial Services Ltd. 100 4.23 4.23 Canara Bank (Tanzania) Ltd. 100 2.88 2.88 Canbank Venture Capital Fund Ltd. 100 1.22 1.22 Total 192.05 108.65 ASSOCIATES Andhra Pragathi Grameena Bank 35 594.74 208.16 Can Fin Homes Ltd. 29.99 541.67 162.45 Kerala Gramin Bank 35 266.32 93.21 Karnataka Vikas Grameena Bank 35 74.42 26.05 Karnataka Gramin Bank 35 (196.54) (68.79) Total 1280.61 421.08 Restricted Page 44 Goals for March 2024 vs Actuals for December 2023 Guidance Parameters Actuals as on 31.12.2023 (31.03.2024) Business Growth (Global) 10.00% 9.87% Advances Growth (Global) 10.50% 11.69% Deposits Growth (Global) 8.50% 8.55% CASA (Domestic CASA to Domestic Deposit) 35.00% 31.65% NIM (Global)(Annualized) 3.05% 3.02% Gross NPA (Global) 4.50% 4.39% Net NPA (Global) 1.20% 1.32% PCR (Global) 90.00% 89.01% Slippage Ratio (Global)(Annualized) 1.30% 1.24% Credit Cost (Global)(Annualized) 1.20% 0.97% Return on Equity (RoE) 19.50% 21.95% Earning per share (EPS)( Annualized) 65.00 79.21 Return on Average Assets (RoA) 1.00% 1.01% Restricted Page 45 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. Restricted Page 46 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. Restricted Page 47