Canara Bank — Quarter ended 31.03.2026 (Audited) and Year ended 31.03.2026 (Audited)
Optional: The document includes both standalone and consolidated financial results, along with segment reporting, cash flows, balance sheet, and various regulatory disclosures.
| Sl. No. | PARTICULARS | QUARTER ENDED (AUDITED) 31-03-2026 | QUARTER ENDED (REVIEWED) 31-12-2025 | QUARTER ENDED (AUDITED) 31-03-2025 | YEAR ENDED (AUDITED) 31-03-2026 | YEAR ENDED (AUDITED) 31-03-2025 |
|---|---|---|---|---|---|---|
| 1 | INTEREST EARNED (a)+(b)+(c)+(d) | 31,837.85 | 31,981.60 | 31,002.04 | 1,26,366.17 | 1,19,755.07 |
| (a) | Interest/discount on advances/bills | 23,951.33 | 23,596.85 | 22,807.70 | 93,247.55 | 87,789.30 |
| (b) | Income on Investments | 6,318.48 | 6,303.21 | 6,271.91 | 25,121.76 | 24,595.57 |
| (c) | Interest on balances with Reserve Bank of India & Other Inter-Bank Funds | 1,412.73 | 1,560.71 | 1,388.94 | 5,928.18 | 4,661.47 |
| (d) | Others | 155.31 | 520.83 | 533.49 | 2,068.68 | 2,708.73 |
| 2 | Other Income | 4,824.36 | 7,899.36 | 6,350.76 | 26,838.04 | 22,452.80 |
| 3 | TOTAL INCOME (1+2) | 36,662.21 | 39,880.96 | 37,352.80 | 1,53,204.21 | 1,42,207.87 |
| 4 | Interest Expended | 22,029.88 | 22,729.28 | 21,560.12 | 89,155.93 | 82,683.11 |
| 5 | Operating Expenses (i)+(ii) | 7,874.95 | 8,032.21 | 7,509.01 | 31,029.71 | 28,134.50 |
| (i) | Employees Cost | 4,743.64 | 4,904.57 | 4,782.79 | 19,266.00 | 17,856.09 |
| (ii) | Other Operating Expenses (All items exceeding 10% of the total expenditure excluding interest expenditure may be shown separately) | 3,131.31 | 3,127.64 | 2,726.22 | 11,763.71 | 10,278.41 |
| 6 | TOTAL EXPENSES ((4+5) excluding Provisions & Contingencies) | 29,904.83 | 30,761.49 | 29,069.13 | 1,20,185.64 | 1,10,817.61 |
| 7 | Operating Profit before Provisions and Contingencies (3-6) | 6,757.38 | 9,119.47 | 8,283.67 | 33,018.57 | 31,390.26 |
| 8 | Provisions (Other than Tax) and Contingencies | 991.81 | 2,414.36 | 1,831.71 | 8,111.90 | 8,763.59 |
| of which provisions for Non-performing assets | 1,311.57 | 1,650.02 | 2,847.09 | 6,310.48 | 9,586.44 | |
| 9 | Exceptional items | – | – | – | – | – |
| 10 | Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) | 5,765.57 | 6,705.11 | 6,451.96 | 24,906.67 | 22,626.67 |
| 11 | Tax expense | 1,260.00 | 1,550.00 | 1,449.30 | 5,720.00 | 5,600.00 |
| 12 | Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) | 4,505.57 | 5,155.11 | 5,002.66 | 19,186.67 | 17,026.67 |
| 13 | Extraordinary items (net of tax expense) | – | – | – | – | – |
| 14 | Net Profit (+) / Loss (-) for the period (12-13) | 4,505.57 | 5,155.11 | 5,002.66 | 19,186.67 | 17,026.67 |
| 15 | Paid up Equity Share Capital (Face Value of each share-Rs.2/-) | 1,814.13 | 1,814.13 | 1,814.13 | 1,814.13 | 1,814.13 |
| 16 | Reserves excluding Revaluation Reserves | – | – | – | 1,05,144.54 | 91,636.14 |
| 17 | Analytical Ratios | |||||
| (i) | Percentage of shares held by Government of India | 62.93% | 62.93% | 62.93% | 62.93% | 62.93% |
| (ii) | Capital Adequacy Ratio – Basel III | 17.04% | 16.50% | 16.33% | 17.04% | 16.33% |
| (a) | Common Equity Tier I Ratio | 12.44% | 12.37% | 12.03% | 12.44% | 12.03% |
| (b) | Additional Tier 1 Ratio | 2.15% | 2.23% | 2.34% | 2.15% | 2.34% |
| (iii) | Earnings per Share (EPS) | |||||
| a) | Basic and diluted EPS before Extraordinary items (net of tax expense) for the period, for the year to date and for the previous year (Quarter numbers are not annualized) | 4.97 | 5.68 | 5.52 | 21.15 | 18.77 |
| b) | Basic and diluted EPS after Extraordinary items (net of tax expense) for the period, for the year to date and for the previous year (Quarter numbers are not annualized) | 4.97 | 5.68 | 5.52 | 21.15 | 18.77 |
| (iv) | NPA Ratios | |||||
| (a) | Amount of Gross Non Performing Assets | 22,740.01 | 24,832.58 | 31,530.03 | 22,740.01 | 31,530.03 |
| (b) | Amount of Net Non Performing Assets | 5,209.37 | 5,322.30 | 7,353.31 | 5,209.37 | 7,353.31 |
| (c) | Percentage of Gross Non Performing Assets | 1.84% | 2.08% | 2.94% | 1.84% | 2.94% |
| (d) | Percentage of Net Non Performing Assets | 0.43% | 0.45% | 0.70% | 0.43% | 0.70% |
| (v) | Return on Assets (Annualised) | 1.01% | 1.16% | 1.25% | 1.10% | 1.09% |
| (vi) | Debt Equity Ratio* | 0.55 | 0.52 | 0.59 | 0.55 | 0.59 |
| (vii) | Total Debts to Total Assets Ratio** | 8.25% | 8.12% | 6.93% | 8.25% | 6.93% |
| (viii) | Capital Redemption Reserve / Debenture Redemption Reserve | NOT APPLICABLE | ||||
| (ix) | Outstanding Redeemable Preference Shares | NOT APPLICABLE | ||||
| (x) | Operating Margin (%) | 18.43% | 22.87% | 22.18% | 21.55% | 22.07% |
| (xi) | Net Profit Margin (%) | 12.29% | 12.93% | 13.39% | 12.52% | 11.97% |
| (xii) | Net Worth | 1,03,453.87 | 1,01,472.54 | 88,241.41 | 1,03,453.87 | 88,241.41 |
| BUSINESS SEGMENTS | QUARTER ENDED | YEAR ENDED |
|---|---|---|
| (AUDITED) 31-03-2026 | (REVIEWED) 31-12-2025 | |
| (1) Segment Revenue | ||
| a Treasury Operations | 6,843.30 | 9,984.35 |
| b Retail Banking Operations | ||
| i) Digital Banking* | 1.77 | 1.58 |
| ii) Other Retail Banking | 17,185.15 | 17,172.39 |
| c Wholesale Banking Operations | 12,631.99 | 12,722.64 |
| d Life Insurance Operation | – | – |
| e Other Banking Operation | – | – |
| f Unallocated | – | – |
| Total | 36,662.21 | 39,880.96 |
| Less: Inter Segment Revenue | – | – |
| Income from operations | 36,662.21 | 39,880.96 |
| (2) Segment Results | ||
| a Treasury Operations | 2,129.99 | 4,764.29 |
| b Retail Banking Operations | ||
| i) Digital Banking* | (0.44) | (0.52) |
| ii) Other Retail Banking | 3,476.80 | 2,591.95 |
| c Wholesale Banking Operations | 159.72 | (650.61) |
| d Life Insurance Operation | – | – |
| e Other Banking Operations | – | – |
| Total | 5,765.57 | 6,705.11 |
| Unallocated Income/Expenses (including Provisions and contingencies) | – | – |
| Total Profit Before tax | 5,765.57 | 6,705.11 |
| Income tax | 1,260.00 | 1,550.00 |
| Net Profit/(Loss) | 4,505.57 | 5,155.11 |
| (3) Segment Assets | ||
| a Treasury Operations | 4,59,960.31 | 4,41,039.76 |
| b Retail Banking Operations | ||
| i) Digital Banking* | 72.04 | 60.97 |
| ii) Other Retail Banking | 7,03,028.21 | 6,77,081.91 |
| c Wholesale Banking Operations | 6,15,299.99 | 6,03,003.70 |
| d Life Insurance Operation | – | – |
| e Other Banking Operations | – | – |
| f Unallocated | 1,04,841.34 | 1,01,170.44 |
| Total Assets | 18,83,201.89 | 18,22,356.78 |
| (4) Segment Liabilities | ||
| a Treasury Operations | 4,45,342.13 | 4,30,247.11 |
| b Retail Banking Operations | ||
| i) Digital Banking* | 38.68 | 39.66 |
| ii) Other Retail Banking | 6,71,480.53 | 6,53,602.74 |
| c Wholesale Banking Operations | 5,92,136.93 | 5,85,280.62 |
| d Life Insurance Operation | – |