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Page 1 Financial Results: Q3 (FY 2025-26) A Legacy of Trust Togetherness Transformation Confidential
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Page 2 Performance Highlights ₹ in Crore 13.23% y-o-y 27,13,594 12.95% y-o-y 15,21,268 13.59% y-o-y 11,92,326 16.36% y-o-y 9,119 25.61% y-o-y 5,155 1.13% y-o-y 9 bps 94.19% y-o-y 293 bps 0.64% y-o-y 25 bps 2.08% y-o-y decline 126 bps 0.45% y-o-y decline 44 bps Global Business Global Deposits Global Advances Operating Profit Net Profit Return on Assets PCR Credit Cost Gross NPA Net NPA Confidential
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Page 3 18.70% y-o-y 7,04,041 RAM Credit 31.37% y-o-y 2,73,395 Retail Credit 17.58% y-o-y 1,21,172 26.20% y-o-y 25,098 Vehicle Loan 13.74% y-o-y 1,60,636 MSME Credit 22.11% y-o-y 21.48 EPS 40 bps y-o-y 12.37% ₹ in Crore Key Highlights Housing Loan 32 bps y-o-y decline 0.64% CET-1 Slippage Ratio Confidential
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Page 4 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 2026 Vs Actuals for December 2025 Contents Confidential
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Page 5 A Legacy of Trust Togetherness Transformation Business Performance Confidential
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Page 6 Business Performance ₹ in Crore * Previous quarter’s figures have been reclassified to match with current quarter’s classification. Parameters Dec'24 Mar'25 Jun'25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Global Gross Business 2396607 2503194 2540143 2651322 2713594 2.35 13.23 Domestic Gross Business 2245017 2339808 2370884 2476427 2516334 1.61 12.09 Overseas Gross Business 151590 163386 169259 174895 197260 12.79 30.13 Global Gross Advances 1049706 1073332 1096329 1151041 1192326 3.59 13.59 Domestic Gross Advances 987591 1008671 1032142 1081428 1119289 3.50 13.34 Overseas Gross Advances 62115 64661 64187 69613 73037 4.92 17.58 Global Deposits 1346901 1429862 1443814 1500281 1521268 1.40 12.95 Domestic Deposits 1257426 1331137 1338742 1394999 1397045 0.15 11.10 Overseas Deposits* 89475 98725 105072 105282 124223 18.00 38.84 Global C-D Ratio (%) 77.93 75.07 75.93 76.72 78.38 -- -- Confidential
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Page 7 Domestic Deposit Mix ₹ in Crore Parameters Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Growth (%) Q-o-Q Y-o-Y Saving Deposits 329680 337135 341696 352195 357742 1.57 8.51 Current Deposits 47527 77841 54045 75920 54617 (28.06) 14.92 CASA Deposits 377207 414976 395741 428115 412359 (3.68) 9.32 Term Deposit 880219 916161 943001 966884 984686 1.84 11.87 Retail Term Deposit 521315 532187 548025 563683 572353 1.54 9.79 Total Domestic Deposit 1257426 1331137 1338742 1394999 1397045 0.15 11.10 Global Deposits* 1346901 1429862 1443814 1500281 1521268 1.40 12.95 *Previous quarter’s figures have been reclassified to match with current quarter’s classification. Confidential
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Page 8 RAM: 57% RAM: 59% Advances Mix ₹ in CroreDec’25 Dec’24 23% 23% 13% 41% Retail Agriculture & Allied MSME Corporate & Others 20% 23% 14% 43% Retail Agriculture & Allied MSME Corporate & Others Parameters Dec'24 Sep'25 Dec'25 Growth (%) Q-o-Q Y-o-Y RAM Credit 593137 671141 704041 4.90 18.70 Retail 208116 251190 273395 8.84 31.37 Agriculture & Allied 243787 266174 270010 1.44 10.76 MSME 141234 153777 160636 4.46 13.74 Corporate & others 456569 479900 488285 1.75 6.95 Domestic Gross Advances 987591 1081428 1119289 3.50 13.34 Global Gross Advance 1049706 1151041 1192326 3.59 13.59 Confidential
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Page 9 Exceeded the Mandated Targets under Priority Sector Mandated Norms under Priority Sector Exceeded the mandated norms in respect of: ➢ Total Priority (45.25% to ANBC against 40.00% norm) ➢ Agriculture (20.11% to ANBC against 18.00% norm) ➢ Small and Marginal Farmers (13.07% to ANBC against 10.00% norm) ➢ Non Corporate Farmers (15.62% to ANBC against 14.00% norm) ➢ Weaker Section (19.05% to ANBC against 12.00% norm) ➢ Micro Enterprises (9.84% to ANBC against 7.50% norm) Confidential
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Page 10 RAM & Retail Credit ₹ in Crore 593137 704041 RAM 18.70% 208116 273395 Retail Loans 31.37% 103053 121172 Housing Loans 17.58% Dec’24 Dec’25 Dec’24 Dec’25Dec’24 Dec’25 19888 25098 Vehicle Loans Dec’24 Dec’25 26.20% Confidential
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Page 11 Industry Credit ₹ in Crore Sector/Scheme Dec'24 Sep'25 Dec'25 Growth (in %) Q-o-Q Y-o-Y Infrastructure 132672 145069 137098 (5.49) 3.34 NBFC 142731 146473 151419 3.38 6.09 Textile 19224 18677 19170 2.64 (0.28) Iron & Steel 18226 17486 17426 (0.34) (4.39) Commercial Real Estate 19024 21628 23613 9.18 24.12 Food Processing 12632 12180 12720 4.43 0.70 Engineering 14211 15399 15562 1.06 9.51 Petroleum, Coal products & Nuclear Fuels 7524 10338 11281 9.12 49.93 Construction 9306 9888 10130 2.45 8.85 Chemicals & Chemical Products 11400 12030 12873 7.01 12.92 Confidential
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Page 12 ₹ in Crore Rating Profile PSU Customers (Dec’25) Central Govt. Guarantee State Govt. Guarantee 23587 46578 External Rating - Wise Distribution of Domestic Advances above ₹ 50 crore* (% of Total rated loan book above ₹ 50 crore) Dec’24 Sep’25 Dec’25 External Rating Outstanding % Share Outstanding % Share Outstanding % Share A and above 244149 81 257186 83 264236 84 BBB 32957 11 35565 12 29177 9 BB and below 23138 8 15882 5 19597 7 Total 300244 100 308633 100 313010 100 *W.e.f 01.04.25 the requirement for External Rating has increased from 25 Cr & above to 50 Cr & above. Confidential
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Page 13 Rating Profile ₹ in Crore Rating Profile of Standard NBFC Domestic Exposure Dec’24 Sep’25 Dec’25 External Rating Exposure % Share Exposure % Share Exposure % Share A and above 141511 99 145344 99 152188 100 BBB 79 1 1061 1 57 0 BB and below 1735 49 35 Total 143325 100 146454 100 152280 100 Confidential
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Page 14 A Legacy of Trust Togetherness Transformation Financial Performance Confidential
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Page 15 ₹ in Crore Total Income Parameters Quarterly Dec'24 Mar'25 Jun'25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Interest Income 30312 31002 31003 31544 31981 1.39 5.51 Interest on Advances 22446 22807 22618 23081 23597 2.24 5.13 Interest on Investments 6186 6273 6193 6307 6303 (0.06) 1.89 Other Interest Income 1680 1922 2192 2156 2081 (3.48) 23.87 Non-Interest Income 5802 6351 7060 7054 7900 11.99 36.16 Total Income 36114 37353 38063 38598 39881 3.32 10.43 Confidential
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Page 16 ₹ in Crore Non-Interest Income Parameters Quarterly Dec'24 Mar'25 Jun'25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Fee Based Income 2185 2335 2223 2586 2327 (10.02) 6.50 Commission Exchange & Brokerage 499 465 378 447 408 (8.72) (18.24) Service Charges 939 944 918 960 1030 7.29 9.69 Miscellaneous 747 926 927 1179 889 (24.60) 19.01 Treasury Income 1226 995 1993 1583 3056 93.05 149.27 Profit on Sale of Investment 945 711 1617 1217 2590 112.82 174.07 Profit on Exchange Transactions 228 276 376 327 414 26.61 81.58 Dividend Income 53 8 0 39 52 33.33 (1.89) Recoveries in Written Off A/cs 2008 2471 1160 1680 2051 22.08 2.14 Other Receipts( PSLC & Others) 383 550 1684 1205 466 (61.33) 21.67 Total Non-Interest Income 5802 6351 7060 7054 7900 11.99 36.16 Confidential
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Page 17 ₹ in Crore Total Expenses Parameters Quarterly Dec'24 Mar'25 Jun'25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Interest Expenses 21163 21560 21994 22403 22729 1.46 7.40 Interest Paid on Deposits* 18792 19300 19834 20067 20369 1.50 8.39 Other Interests* 2371 2260 2160 2336 2360 1.03 (0.46) Operating Expenses 7114 7509 7516 7607 8033 5.60 12.92 Staff Cost 4480 4783 4796 4822 4906 1.74 9.51 Other Operating Expenses 2634 2726 2720 2785 3127 12.28 18.72 Total Expenses 28277 29069 29510 30010 30762 2.51 8.79 *Previous quarter’s figures have been reclassified to match with current quarter’s classification. Confidential
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Page 18 ₹ in Crore Financials at a Glance Parameters Quarterly Dec'24 Mar'25 Jun’25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Net Interest Income 9149 9442 9009 9141 9252 1.21 1.13 Total Interest Income 30312 31002 31003 31544 31981 1.39 5.51 Total Interest Expenses 21163 21560 21994 22403 22729 1.46 7.40 Total Income 36114 37353 38063 38598 39881 3.32 10.43 Total Expenditure 28277 29069 29510 30010 30762 2.51 8.79 Operating Profit 7837 8284 8554 8588 9119 6.18 16.36 Provisions 3733 3280 3802 3814 3964 3.93 6.19 Net Profit 4104 5004 4752 4774 5155 7.98 25.61 Confidential
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Page 19 Continuous & Consistent Performance 7837 8284 8554 8588 9119 Dec'24 Mar'25 Jun’25 Sep’25 Dec'25 Operating Profit (₹ in Cr) 91.26 92.70 93.17 93.59 94.19 Dec'24 Mar'25 Jun’25 Sep’25 Dec'25 PCR (%) 3.34 2.94 2.69 2.35 2.08 Dec'24 Mar'25 Jun’25 Sep’25 Dec'25 Gross NPA (%) 0.89 0.70 0.63 0.54 0.45 Dec'24 Mar'25 Jun’25 Sep’25 Dec'25 Net NPA (%) 4104 5004 4752 4774 5155 Dec'24 Mar'25 Jun’25 Sep’25 Dec'25 Net Profit (₹ in Cr) Confidential
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Page 20 ₹ in Crore Provisions Parameters Quarterly Dec'24 Mar'25 Jun’25 Sep’25 Dec’25 Growth (%) Q-o-Q Y-o-Y Total Provision 3733 3280 3802 3814 3964 3.93 6.19 NPAs 1982 2846 1845 1504 1650 9.71 (16.75) Standard Asset 126 55 113 336 286 (14.88) 126.98 Non Performing Investment 440 (1334) (55) (36) (53) 47.22 (112.05) Income Tax 1333 1450 1450 1460 1550 6.16 16.28 Others (148) 263 449 550 531 (3.45) 458.78 Confidential
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Page 21 (%) Key Ratios Ratios Dec'24 Mar'25 Sep’25 Dec’25 Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Quarterly Cumulative Return on Assets 1.03 1.04 1.25 1.09 1.10 1.12 1.16 1.13 Return on Net-worth 19.09 20.18 23.23 21.28 20.00 20.56 20.65 20.55 Cost to Income 47.58 47.16 47.55 47.27 46.97 46.87 46.83 46.86 CD Ratio 77.93 77.93 75.07 75.07 76.72 76.72 78.38 78.38 EPS (Annualized) (In ₹) 17.95 17.59 22.37 18.77 21.05 21.01 22.55 21.48 Book Value (In ₹) 95.26 95.26 97.28 97.28 106.55 106.55 111.87 111.87 NIM 2.71 2.83 2.73 2.80 2.50 2.52 2.45 2.50 Confidential
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Page 22 5.28 5.28 5.27 5.21 5.18 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Cost Of Funds(%) 7.67 7.65 7.43 7.34 7.29 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Yield on Funds(%) 6.95 6.96 6.88 6.90 6.88 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Yield on Investments(%) 2.83 2.80 2.55 2.52 2.50 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 NIM(%) 5.70 5.73 5.73 5.66 5.62 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Cost Of Deposits(%) 8.79 8.83 8.47 8.40 8.34 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Yield on Advances(%) Key Ratios Previous quarter’s figures have been reclassified to match with current quarter’s classification. Confidential
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Page 23 A Legacy of Trust Togetherness Transformation Investments Confidential
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Page 24 ₹ in Crore Investment Portfolio Sl. No Parameters Dec'24 Sep’25 Dec’25 1 Domestic Investments 383054 395043 395448 (a) SLR 333068 340888 341034 (b) Non SLR 49986 54155 54414 SLR as % to Dom. Investments 86.95 86.29 86.24 (i) Held To Maturity (HTM) 305208 304960 305341 (ii) Available For Sale (AFS) 52920 59089 59031 (iii) Fair Value Through Profit & Loss (FVTPL) (Including HFT) 23350 29432 29658 (iv) Subsidiaries & Joint Ventures 1576 1562 1418 2 Investment by Overseas Branches 2119 3675 3381 3 Total Gross Investment (1+2) 385173 398718 398829 HTM To Investment (%) 79.68 77.20 77.21 Confidential
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Page 25 ₹ in Crore Non SLR Portfolio Parameters Dec'24 Sep'25 Dec'25 % Share (Dec'25) Y-o-Y Variation Amount % PSU Bonds 4310 5827 5513 10.13 1203 27.91 Corporate and Other Bonds 7926 7246 6835 12.56 (1091) (13.76) Special Govt. Sec excl. Recap Bonds 630 301 299 0.55 (331) (52.54) Central Government Recapitalization Bond 18238 18238 18238 33.52 0 -- Share of PSU/Corporate/Others 6140 6497 6459 11.87 319 5.20 Venture Capital Fund 400 410 431 0.79 31 7.75 Regional Rural Bank 333 318 318 0.59 (15) (4.50) Security Receipts 1440 2025 1944 3.57 504 35.00 Subsidiaries JV 1244 1244 1100 2.02 (144) (11.58) Other 9325 12049 13277 24.40 3952 42.38 Total Non SLR Investment 49986 54155 54414 100.00 4428 8.86 Confidential
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Page 26 Asset Quality A Legacy of Trust Togetherness Transformation Confidential
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Page 27 ₹ in Crore Asset Quality Ratios Parameters Dec'24 Mar'25 Sep’25 Dec’25 Gross NPA 35061 31530 27040 24833 Gross NPA (%) 3.34 2.94 2.35 2.08 Net NPA 9081 7353 6113 5322 Net NPA (%) 0.89 0.70 0.54 0.45 Provision Coverage Ratio (%) 91.26 92.70 93.59 94.19 Credit Cost (%) (Annualised) 0.89 0.92 0.68 0.64 Slippage Ratio (%) 0.24 0.26 0.19 0.16 Confidential
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Page 28 ₹ in Crore Movement of NPA Parameters Dec'24 Mar'25 Sep’25 Dec’25 NPA as at the beginning of the period 37733 35061 29518 27040 Cash Recovery towards Book Liability(i) 780 791 580 595 Up-gradation (ii) 460 420 537 391 Write Off (iii) 3896 5022 3463 3120 T otal Reduction(i+ii+iii) 5136 6233 4580 4106 Fresh Addition 2464 2702 2102 1899 -Fresh Slippages 2363 2655 2031 1857 -Debits in existing NPAA/c 101 47 71 42 Gross NPAs at end of the period 35061 31530 27040 24833 Eligible Deductions incl. Provisions 25980 24177 20927 19511 Net NPAs 9081 7353 6113 5322 Recoveries in Written Off A/c 2398 3049 1975 2309 Total Cash recovery including Recovery in Written off A/cs 3178 3840 2555 2904 Confidential
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Page 29 ₹ in Crore NPA Classification: Sector Wise Parameters Dec’24 Mar'25 Sep’25 Dec'25 Advance O/s (Dec'25) GNPA (%) Domestic Gross NPA 32585 30351 25866 23921 1119289 2.14 Global Gross NPA 35061 31530 27040 24833 1192326 2.08 Retail 2049 2189 1717 1351 273395 0.49 Housing Loans 1162 1197 945 726 121172 0.60 Vehicle Loans 274 277 225 163 25098 0.65 Other Personal Loans 315 393 333 280 107751 0.26 Agriculture & Allied 8970 8375 7486 6954 270010 2.58 MSME 9995 7915 7985 7208 160636 4.49 Corporate & Others 14047 13051 9852 9320 488285 1.91 Confidential
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Page 30 ₹ in Crore NPA Classification : Industry wise Sector/Scheme Dec'24 Mar'25 Sep’25 Dec’25 GNPA (%) Infrastructure 5179 4080 3495 3484 2.54 Iron & Steel 397 412 395 407 2.34 Textile 794 689 724 693 3.62 Food Processing 985 969 934 882 6.93 Engineering 742 744 744 741 4.76 Confidential
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Page 31 ₹ in Crore Special Mention Accounts (SMA) SMA Position of the Bank (₹ 5 Cr and above) Dec'24 Sep'25 Dec’25 Parameters No of Accounts Outstanding % to Gross Advances No of Accounts Outstanding % to Gross Advances No of Accounts Outstanding % to Gross Advances SMA 2 157 7422 0.71 111 3321 0.29 125 3462 0.29 SMA 1 98 3901 0.37 54 541 0.05 103 3910 0.33 TOTAL SMA 1 & 2 255 11323 1.08 165 3862 0.34 228 7372 0.62 SMA 0 83 704 0.06 99 3606 0.31 65 881 0.07 TOTAL 338 12027 1.14 264 7468 0.65 293 8253 0.69 Confidential
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Page 32 NCLT Resolution Status Accounts referred to NCLT ₹ in Crore Parameters Dec'24 Dec'25 No of Accounts Book Liability Provision Provision Coverage No of Accounts Book Liability Provision Provision Coverage 1st List - RBI 4 922 922 100% 4 900 900 100% 2nd List – RBI 9 4654 4654 100% 8 4015 4015 100% Total RBI 1 & 2 13 5576 5576 100% 12 4915 4915 100% Others 347 31851 31463 99% 350 25950 25554 98% Total 360 37427 37039 99% 362 30865 30469 99% Cumulative Recovery Dec'24 Dec'25(FY 2025-26) No of A/c Amount No of A/c Amount No of A/c Amount Through Resolution 34 468 13 87 20 233 Through Liquidation 39 189 17 91 18 86 Through 12A Settlement 1 235 3 137 1 173 Through Pre-Packaged Insolvency Resolution Process (PPIRP) 0 0 1 1 0 0 Through Individual Insolvency Process (IIP) 1 2 0 0 0 0 Through ARC/NARCL SALE 3 190 2 54 0 0 Through Other Mode under NCLT 13 80 8 285 8 23 Total 91 1164 44 655 47 515 Confidential
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Page 33 A Legacy of Trust Togetherness Transformation Capital & Shareholding Confidential
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Page 34 ₹ in Crore Capital Funds (Basel III) Parameters Dec'24 Sep'25 Dec'25 Tier I 106057 111690 117727 Common Equity 87228 95532 99754 Additional Tier I 18828 16158 17973 Tier II 13770 15005 15303 Total (Tier I+II) 119827 126695 133030 Risk-weighted Assets 728892 782134 806269 Gross Advances 1049706 1151041 1192326 RWA to Gross Advances (%) 69.44 67.95 67.62 Tier I (%) 14.55 14.28 14.60 Common Equity (%) 11.97 12.21 12.37 Additional Tier I (%) 2.58 2.07 2.23 Tier II (%) 1.89 1.92 1.90 Total (Tier I+II) % 16.44 16.20 16.50 11.97 12.21 12.37 2.58 2.07 2.23 1.89 1.92 1.90 Dec'24 Sep'25 Dec'25 CRAR (%) CET AT I TIER II 16.44 16.5016.20 Confidential
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Page 35 Government of India, 62.93Insurance Companies, 5.43 Mutual Funds, 4.37 FIIs/FPIs, 14.61 Resident Individuals, 10.13 Staff, 0.58 Others, 1.95 Shareholding Pattern as on December 31st, 2025 Year ended FII/FPIs holding (%) Mar’23 8.95 Mar’24 10.57 Mar’25 10.55 Dec’25 14.61 Confidential
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Page 36 Environmental, Social & Governance A Legacy of Trust Togetherness Transformation Confidential
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Page 37 ▪ As part of Green initiatives, Bank has undertaken: ✓ Increased usage of LED light, BEE rated AC units ✓ Gradual phasing out of DG sets ✓ Installed Rain Water Harvesting system in all 122 feasible Bank owned properties and Solar Rooftop Power system across 165 Bank owned properties, with a total capacity of 4133 kWp. ▪ EV charging station has been commissioned in Head Office Building for charging of staff’s E-Vehicles. ▪ Bank has been awarded a total of 25 Green building certifications, including 23 office premises and one training center (Canara Institute of Bank Management- Manipal) accredited under the IGBC Green Building certification framework, of which 4 buildings have been accorded Silver rating. Further, Bank’s 1 Residential building has been certified under GRIHA (Green Rating for Integrated Habitat). ▪ Bank is having a significant portfolio under sustainable finance which includes Renewable Energy Projects, Compressed Biogas & Energy Conservation scheme, Solar Pump scheme under PM-KUSUM, Roof Top Solar (RTS) for residential sector with subsidy, Canara Green Wheels scheme for E vehicles. ▪ Scope 1 & Scope 2 emissions of the bank accounts for a total of 17262.96 tCO2 and 157897.79 tCO2 respectively for the financial year 2024-25. ▪ For the Bank’s journey towards Sustainability, Bank has in place: ✓ Board approved ESG Policy. ✓ Green Deposit Policy & Lending Framework. ▪ Published its third BRSR report as part of Annual Report for FY 2024-25. ▪ With the theme “Empowering People, Protecting Planet, Preparing for Tomorrow” Bank has published its 2nd Sustainability Report for FY 2024-25, reinforcing its dedication to environmental stewardship, social empowerment, and long term resilience. ▪ Bank has a Chief Ethics Officer and an exclusive ‘Ethics Section’ is in place to oversee the implementation of business ethics in the organization. ▪ Bank has been recognized for “Excellent Practices and Adoption of ESG Initiatives” at the 2nd ICC Emerging Asia Conclave 2024, organized by the Indian Chamber of Commerce. ▪ Bank’s ESG Risk Rating has been improved from High to Medium by Sustainalytics, reflecting its enhanced sustainability performance. Environmental, Social & Governance (ESG) Practices ▪ Bank is impacting the Society by engaging in helping and uplifting the underserved communities through non profit organizations viz ✓ Canara Centenary Rural Development Trust ✓ Canara Financial Advisory Trust ✓ Canara Golden Jubilee Education Fund ✓ Canara Relief and Welfare Society ✓ Financial Literacy Centres (FLC) ✓ Rural Self Employment Training Institutes (RSETIs) ✓ Rural Development & Self Employment Training Institutes ( RUDSETIs.) ▪ During December 2025 quarter, Bank has conducted 2,364 awareness programs and 548 training programs through its RSETIs and RUDSETIs, benefiting 16,000 plus candidates to upgrade their skill sets. ▪ Bank has 115 Financial Literacy Centres (FLCs) through which 7,344 camps have been conducted and 7,77,516 persons were extended Financial Literacy during December 2025 quarter. ▪ To promote diversity , equity & inclusive growth, Bank has in place a Women Empowerment Committee named as ‘Advaita’ to support the women employee fraternity of the Bank. Environmental Social Governance Confidential
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Page 38 A Legacy of Trust Togetherness Transformation Distribution Network Confidential
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Page 39 Urban 1980 19% Metro 1884 19% Semi-Urban 3007 30% Rural 3195 32% Presence across Urban & Rural areas Dec’25 4 International Branches • New York • London • DIFC Dubai • IBU, Gift City, Gujarat Distribution Network Parameters Dec’24 Sep’25 Dec’25 General Branches(a) 9190 9321 9438 Specialised Branches(b) 626 627 628 Total Domestic Branches(a+b) 9816 9948 10066 Overseas Branches 4 4 4 BC Points 13177 11076 12000 Total Banking Outlets 22997 21028 22070 ATM 9715 7405 7048 Recycler 2311 3461 3740 Confidential
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Page 40 Digital Footprint A Legacy of Trust Togetherness Transformation Confidential
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Page 41 678.49 877.16 DEC'24 DEC'25 MeitY Digital Transactions ( Nos in Crore) Digital Footprint 5.94 6.06 DEC'24 DEC'25 Debit Card Outstanding (Nos in Crores) 2.70 2.74 DEC'24 DEC'25 Internet Banking Registrations (Nos in Crores) 2.62 3.16 DEC'24 DEC'25 Mobile Banking Registrations (Nos in Crores) 3.25 3.83 DEC'24 DEC'25 UPI Registrations (Nos in Crores) 0.75 0.92 DEC'24 DEC'25 PoS (No in Lakhs) 1787.59 2265.40 DEC'24 DEC'25 E-Transactions (Nos in Crores) 9.98 10.70 DEC'24 DEC'25 Credit Card ( No in Lakhs) 8.49 17.88 DEC'24 DEC'25 CBDC Registrations(Nos in Lakhs) 33.45 37.98 DEC'24 DEC'25 Bhim QR Registrations (Nos in Lakhs) Confidential
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Page 42 New Digital Initiatives An Exclusive Canara Bank UPI application powered by BHIM that allows customers of any bank to link their accounts for seamless digital payment and transfers. Digital Renewal of Working Capital Loan up to 10 Lakhs Multiple Nominee updating facility for CASA, Recurring and Fixed Deposit Accounts is enabled in Internet Banking and Mobile Banking Apply and Manage MPoS facility in Internet Banking Enablement of all merchants to process international transaction for Canara Credit and Prepaid Cards Digital Lending Internet Banking Mobile Banking & Internet Banking Canara ai1Pe Credit Cards Confidential
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Page 43 Subsidiaries & Associates Name of the Entity Holding(%) Total Profit Our share Dec’25(9M) Subsidiaries Canbank Factors Ltd. 70 3.21 2.25 Canbank Computer Services Ltd. 69.14 12.15 8.40 Canara Bank Securities Ltd. 100 4.61 4.61 Canbank Financial Services Ltd. 100 5.84 5.84 Canbank Venture Capital Fund Ltd. 100 0.60 0.60 Total 26.41 21.70 Associates Can Fin Homes Ltd. 29.99 740.08 221.95 Kerala Gramin Bank 35 644.34 225.52 Karnataka Grameena Bank (w.e.f 01.05.2025)^ 35 16.26 5.69 Canara Robeco Asset Management Company Ltd. (w.e.f 16.10.2025)* 38 149.52 56.82 Canara HSBC Life Insurance Company Ltd. (w.e.f 17.10.2025)* 36.50 91.88 33.54 Total 1642.08 543.51 ^Karnataka Gramin Bank and Karnataka Vikas Grameena Bank have merged into a single RRB called Karnataka Grameena Bank w.e.f 01.05.2025 *Following the listing of Canara Robeco and Canara HSBC(Subsidiaries as on 30.09.2025) with stock exchanges on 16.10.2025 and 17.10.2025 respectively, Bank’s shareholding in these companies have reduced from 51% to 38% and 36.50% respectively pursuant to sale of shareholding through OFS-IPO. Consequently, these companies have ceased to be a subsidiary of the Bank and became an associate of the Bank from the listing date. The net gain will be Rs 1930 Crore after factoring our share of IPO expenses of Rs 76 Cr. ₹ in Crore Confidential
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Page 44 Parameters Guidance (31.03.2026) Actuals as on 31.12.2025 Business Growth (Global) 10.50% 13.23% Advances Growth (Global) 10%-11% 13.59% Deposits Growth (Global) 9%-10% 12.95% CASA (Domestic CASA to Domestic Deposit) 32.00% 29.52% NIM (Global)(Annualized) 2.75%-2.80% 2.50% Gross NPA (Global) 2.50% 2.08% Net NPA (Global) 0.60% 0.45% PCR (Global) 93.00% 94.19% Slippage Ratio (Global)(Annualized) 0.90% 0.64% Credit Cost (Global)(Annualized) 0.90% 0.64% Return on Equity (RoE) 18.50% 20.55% Earning per share (EPS)( Annualized) (Face Value Rs.2/- per share) 19.00 21.48 Return on Average Assets (RoA) 1.05% 1.13% Guidance for March 2026 Vs Actuals for December 2025 Confidential
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Page 45 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. Disclaimer Confidential
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Page 46 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. Together We Can Thank You Confidential