Cash flow Canara Bank

Equities

CANBK

INE476A01022

Banks

Market Closed - NSE India S.E. Other stock markets 06:10:59 14/01/2026 pm IST			5-day change	1st Jan Change
153.89 ^INR	+2.01%		+0.61%	-0.66%

12/01	35,392,501 Equity Shares of Canara HSBC Life Insurance Company Limited are subject to a Lock-Up Agreement Ending on 12-JAN-2026.	CI
12/01	7,478,153 Equity Shares of Canara Robeco Asset Management Company Limited are subject to a Lock-Up Agreement Ending on 12-JAN-2026.	CI

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Published financial data: CANARA BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	70TCr	71TCr	86TCr	1,10500Cr	1,21600Cr
Interest Income, Total	70TCr	71TCr	86TCr	1,10500Cr	1,21600Cr
Interest On Deposits	45TCr	43TCr	53TCr	72TCr	83TCr
Interest Expense, Total	45TCr	43TCr	53TCr	72TCr	83TCr
Net Interest Income	25TCr	28TCr	33TCr	38TCr	39TCr
Gain (Loss) on Sale of Assets	29Cr	14Cr	308.8Cr	16Cr	2.27Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.61TCr	4.1TCr	1.84TCr	4.7TCr	3.71TCr
Total Other Non Interest Income	17TCr	20TCr	23TCr	24TCr	27TCr
Non Interest Income, Total	23TCr	24TCr	25TCr	29TCr	31TCr
Revenues Before Provison For Loan Losses	48TCr	51TCr	58TCr	67TCr	70TCr
Provision For Loan Losses	16TCr	14TCr	14TCr	9.71TCr	14TCr
Total Revenues	32TCr	37TCr	45TCr	57TCr	56TCr
Salaries And Other Employee Benefits	13TCr	13TCr	14TCr	17TCr	19TCr
Occupancy Expense	2.55TCr	2.67TCr	2.85TCr	2.89TCr	2.94TCr
Selling General & Admin Expenses, Total	611.77Cr	579.2Cr	817.7Cr	774.58Cr	773.78Cr
(Income) Loss on Equity Invest.	-254.58Cr	-363.33Cr	-536.79Cr	-618.56Cr	-355.91Cr
Total Other Non Interest Expense	12TCr	11TCr	12TCr	17TCr	16TCr
Non Interest Expense, Total	28TCr	28TCr	30TCr	37TCr	38TCr
EBT, Excl. Unusual Items	4.14TCr	9.51TCr	15TCr	21TCr	18TCr
EBT, Incl. Unusual Items	4.14TCr	9.51TCr	15TCr	21TCr	18TCr
Income Tax Expense	1.18TCr	3.35TCr	3.62TCr	5.22TCr	-
Earnings From Continuing Operations	2.96TCr	6.16TCr	11TCr	15TCr	18TCr
Net Income to Company	2.96TCr	6.16TCr	11TCr	15TCr	18TCr
Minority Interest	-66Cr	-34Cr	-90Cr	-122.35Cr	-152.28Cr
Net Income - (IS)	2.89TCr	6.12TCr	11TCr	15TCr	18TCr
Net Income to Common Incl Extra Items	2.89TCr	6.12TCr	11TCr	15TCr	18TCr
Net Income to Common Excl. Extra Items	2.89TCr	6.12TCr	11TCr	15TCr	18TCr
Per Share Items
Net EPS - Basic	3.82	7.01	12.41	16.84	19.34
Basic EPS - Continuing Operations	3.82	7.01	12.41	16.84	19.34
Basic Weighted Average Shares Outstanding	756.15Cr	873.85Cr	907.05Cr	907.15Cr	907.06Cr
Net EPS - Diluted	3.82	7.01	12.41	16.84	19.34
Diluted EPS - Continuing Operations	3.82	7.01	12.41	16.84	19.34
Diluted Weighted Average Shares Outstanding	756.15Cr	873.85Cr	907.05Cr	907.15Cr	907.06Cr
Normalized Basic EPS	3.33	6.76	10.21	14.07	12.02
Normalized Diluted EPS	3.33	6.76	10.21	14.07	12.02
Dividend Per Share	-	1.3	2.4	3.22	4
Payout Ratio	-	-	10.48	14.25	16.65
Supplemental Items
Effective Tax Rate - (Ratio)	28.52	35.23	24.18	25.3	-
Normalized Net Income	2.52TCr	5.91TCr	9.26TCr	13TCr	11TCr
Non-Cash Pension Expense	127.87Cr	849.89Cr	192.13Cr	1.96TCr	1.34TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,40200Cr	1,34900Cr	91TCr	83TCr	1,19100Cr
Investment Securities, Total	2,86200Cr	3,11300Cr	3,52900Cr	3,99200Cr	4,26200Cr
Total investments	2,86200Cr	3,11300Cr	3,52900Cr	3,99200Cr	4,26200Cr
Gross Loans	6,39300Cr	7,03900Cr	8,30900Cr	9,31800Cr	10,49300Cr
Net Loans	6,39300Cr	7,03900Cr	8,30900Cr	9,31800Cr	10,49300Cr
Gross Property Plant And Equipment	18TCr	19TCr	18TCr	21TCr	18TCr
Accumulated Depreciation	-6.67TCr	-7.21TCr	-7.73TCr	-8.18TCr	-8.05TCr
Net Property Plant And Equipment	11TCr	11TCr	10TCr	12TCr	10TCr
Other Intangibles, Total	-	-	-	-	21Cr
Accrued Interest Receivable	8.45TCr	6.23TCr	7.84TCr	8.88TCr	11TCr
Restricted Cash	39TCr	48TCr	51TCr	68TCr	87TCr
Other Current Assets, Total	14TCr	16TCr	20TCr	18TCr	16TCr
Deferred Tax Assets Long-Term (Collected)	11TCr	9TCr	6.03TCr	5.75TCr	4.94TCr
Other Real Estate Owned And Foreclosed	108.17Cr	100Cr	94Cr	72Cr	15.68L
Other Long-Term Assets, Total	31TCr	17TCr	12TCr	8.23TCr	6.72TCr
Total Assets	11,79500Cr	12,57700Cr	13,81000Cr	15,35000Cr	17,30700Cr
Liabilities
Interest Bearing Deposits	9,61700Cr	10,33700Cr	11,31500Cr	12,48300Cr	13,79000Cr
Non-Interest Bearing Deposits	49TCr	53TCr	48TCr	64TCr	78TCr
Total Deposits	10,11000Cr	10,86300Cr	11,79100Cr	13,12200Cr	14,56500Cr
Current Portion of Long-Term Debt	12TCr	11TCr	-	-	-
Long-Term Debt	38TCr	35TCr	58TCr	58TCr	90TCr
Accrued Interest Payable	2.62TCr	2.8TCr	7.77TCr	9.9TCr	9.22TCr
Other Current Liabilities - (Bank / Utility Template)	2.07TCr	2.37TCr	2.19TCr	2.52TCr	2.57TCr
Other Non Current Liabilities	51TCr	49TCr	55TCr	60TCr	66TCr
Total Liabilities	11,16300Cr	11,86900Cr	13,02100Cr	14,41900Cr	16,24100Cr
Common Stock, Total	1.65TCr	1.81TCr	1.81TCr	1.81TCr	1.81TCr
Additional Paid In Capital	30TCr	14TCr	14TCr	14TCr	14TCr
Retained Earnings	18TCr	41TCr	49TCr	61TCr	77TCr
Comprehensive Income and Other	13TCr	14TCr	13TCr	15TCr	12TCr
Total Common Equity	62TCr	70TCr	78TCr	92TCr	1,05400Cr
Minority Interest	793.38Cr	824.69Cr	903.79Cr	1TCr	1.19TCr
Total Equity	63TCr	71TCr	79TCr	93TCr	1,06600Cr
Total Liabilities And Equity	11,79500Cr	12,57700Cr	13,81000Cr	15,35000Cr	17,30700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	823.37Cr	907.07Cr	907.07Cr	907.07Cr	907.07Cr
ECS Total Common Shares Outstanding	823.37Cr	907.07Cr	907.07Cr	907.07Cr	907.07Cr
Book Value / Share	75.8	77.13	86.05	101.57	116.22
Tangible Book Value	62TCr	70TCr	78TCr	92TCr	1,05400Cr
Tangible Book Value Per Share	75.8	77.13	86.05	101.57	116.19
Total Debt	50TCr	46TCr	58TCr	58TCr	90TCr
Deposits at Interest - Cash	1,35800Cr	1,30800Cr	53TCr	47TCr	69TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.94TCr	2.07TCr	2.82TCr	4.68TCr	6.25TCr
Net Debt	-90TCr	-89TCr	-33TCr	-26TCr	-29TCr
Equity Method Investments, Total	3.17TCr	3.71TCr	4.29TCr	4.88TCr	5.69TCr
Full Time Employees	88.21T	86.92T	84.98T	82.64T	81.26T
Number Of Offices	10.42T	9.74T	9.71T	9.61T	9.85T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	2.89TCr	6.12TCr	11TCr	15TCr	18TCr
Depreciation, Depletion & Amortization	838.04Cr	841.05Cr	1.02TCr	901.73Cr	869.77Cr
Total Depreciation, Depletion & Amortization	838.04Cr	841.05Cr	1.02TCr	901.73Cr	869.77Cr
(Gain) Loss On Sale of Asset - (CF)	-29Cr	-14Cr	-308.8Cr	-16Cr	-2.27Cr
(Gain) Loss on Sale of Investments - (CF)	-1.1TCr	-2.43TCr	1.77TCr	-3.75TCr	-4.81TCr
Total Asset Writedown	-	-	9.47TCr	8.88TCr	-
Provision for Credit Losses	14TCr	9.63TCr	338.87Cr	207.64Cr	9.93TCr
Change in Other Net Operating Assets (Collected)	-69TCr	-93TCr	-1,59000Cr	-1,44200Cr	-1,11300Cr
Other Operating Activities	5.82TCr	4.77TCr	2.78TCr	4.6TCr	4.2TCr
Cash from Operations	-46TCr	-74TCr	-1,32700Cr	-1,18100Cr	-84TCr
Capital Expenditure	-922.72Cr	-821.02Cr	-613.45Cr	-1.25TCr	-
Sale of Property, Plant, and Equipment	-	-	-	-	1.16TCr
Cash Acquisitions	-222.35Cr	-540.15Cr	-577.67Cr	-589.41Cr	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-818.66Cr
Other Investing Activities, Total	115.94Cr	105.29Cr	-47Cr	95Cr	-2.8TCr
Cash from Investing	-1.03TCr	-1.26TCr	-1.24TCr	-1.75TCr	-2.46TCr
Long-Term Debt Issued, Total	2.94TCr	6.5TCr	6TCr	3.4TCr	7TCr
Total Debt Issued	2.94TCr	6.5TCr	6TCr	3.4TCr	7TCr
Long-Term Debt Repaid, Total	-2.62TCr	-2.93TCr	-1.95TCr	-2.5TCr	-4.9TCr
Total Debt Repaid	-2.62TCr	-2.93TCr	-1.95TCr	-2.5TCr	-4.9TCr
Issuance of Common Stock	1.99TCr	2.49TCr	-	-	-
Common Dividends Paid	-	-	-1.18TCr	-2.18TCr	-2.92TCr
Common & Preferred Stock Dividends Paid	-	-	-1.18TCr	-2.18TCr	-2.92TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,05400Cr	75TCr	93TCr	1,33200Cr	1,44300Cr
Other Financing Activities, Total	-2.02TCr	-2.02TCr	-2.43TCr	-2.56TCr	-2.69TCr
Cash from Financing	1,05700Cr	79TCr	93TCr	1,29300Cr	1,40700Cr
Foreign Exchange Rate Adjustments	-87Cr	-173.5Cr	82Cr	-2.16Cr	24Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	58TCr	3.53TCr	-41TCr	9.46TCr	55TCr
Supplemental Items
Cash Interest Paid	2.01TCr	2.03TCr	2.45TCr	2.6TCr	2.73TCr
Cash Income Tax Paid (Refund)	1.59TCr	4.15TCr	4.2TCr	2.89TCr	4.1TCr
Net Debt Issued / Repaid	316.8Cr	3.57TCr	4.05TCr	903Cr	2.1TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.31	0.51	0.86	1.06	1.08
Return On Equity %	5.62	9.19	15.15	17.9	17.71
Return on Common Equity	5.58	9.25	15.21	17.96	17.76
Shareholders Value Added	-3.33TCr	-1.82TCr	2.37TCr	5.07TCr	5.69TCr
Margin Analysis
SG&A Margin	53.89	46.77	42.93	38.65	43.02
Net Interest Income / Total Revenues %	77.81	74.4	73.64	66.98	70.1
EBT Excl. Non-Recurring Items Margin %	12.86	25.65	33.5	35.96	31.86
Income From Continuing Operations Margin %	9.19	16.61	25.4	26.86	31.86
Net Income Margin %	8.99	16.52	25.19	26.65	31.59
Net Avail. For Common Margin %	8.99	16.52	25.19	26.65	31.59
Normalized Net Income Margin	7.83	15.94	20.73	22.26	19.64
Asset quality
Nonperforming Loans / Total Loans %	9.43	7.91	5.56	4.36	3
Nonperforming Loans / Total Assets %	5.11	4.42	3.34	2.65	1.82
Nonperforming Assets / Total Assets %	5.11	4.42	3.35	2.65	1.82
NPAs / Loans and OREO	9.43	7.91	5.57	4.37	3
NPAs / Equity	95.39	78.62	58.58	43.68	29.58
Provision for Loan Losses / Net Charge-offs %	289.33	329.29	184.5	518.47	408.27
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.39	5.43	5.61	5.84	6.05
Total Average Equity / Total Average Assets %	5.47	5.5	5.67	5.9	6.12
Total Equity + Allowance for Loan Losses / Total Loans %	9.76	9.94	9.39	9.89	10.05
Gross Loans / Total Deposits %	63.23	64.79	70.47	71.01	72.04
Net Loans / Total Deposits %	63.23	64.79	70.47	71.01	72.04
Tier 1 Capital Ratio %	10.08	11.91	13.78	13.95	14.37
Total Capital Ratio %	13.18	14.9	16.68	16.28	16.33
Core Tier 1 Capital Ratio	8.61	10.26	11.59	11.58	12.03
Tier 2 Capital Ratio	3.1	2.99	2.9	2.33	1.96
Interbank Ratio	17.25	55.26	31.14	28.29	27.38
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.09	1.22	1.28	1.29	1.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	79.54	10	19.28	16.74	1.35
Non Interest Income, 1 Yr. Growth %	98.71	2.41	7.11	13.11	8.42
Provision For Loan Losses, 1 Yr. Growth %	45.79	-11.49	-4.28	-28.32	-3.18
Total Revenues, 1 Yr. Growth %	121.02	15.24	20.51	28.35	6.53
Earnings From Cont. Operations, 1 Yr. Growth %	-253.91	108.3	84.21	35.76	14.88
Net Income, 1 Yr. Growth %	-245.52	111.89	83.76	35.75	14.8
Normalized Net Income, 1 Yr. Growth %	-365.75	134.57	56.75	37.81	14.75
Diluted EPS Before Extra, 1 Yr. Growth %	-181.16	83.35	77.03	35.75	14.81
Dividend Per Share, 1 Yr. Growth %	-	-	84.62	34.17	24.22
Gross Loans, 1 Yr. Growth %	47.84	10.1	18.05	12.14	12.62
Net Loans, 1 Yr. Growth %	47.84	10.1	18.05	12.14	12.62
Non Performing Loans, 1 Yr. Growth %	62.76	-7.69	-17.06	-12.03	-22.35
Non Performing Assets, 1 Yr. Growth %	62.76	-7.69	-17.04	-12.06	-22.49
Total Assets, 1 Yr. Growth %	59.09	6.62	9.71	11.15	12.75
Total Deposits, 1 Yr Growth %	61.65	7.45	8.54	11.29	10.99
Tangible Book Value, 1 Yr. Growth %	51.46	12.1	11.57	18.04	14.43
Common Equity, 1 Yr. Growth %	51.46	12.1	11.57	18.04	14.42
Total Equity, 1 Yr. Growth %	50.71	12	11.54	17.95	14.47
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	26.62	40.65	14.55	18	8.77
Non Interest Income, 2 Yr. CAGR %	53.84	41.55	4.74	10.07	10.74
Provision For Loan Losses, 2 Yr. CAGR %	11.73	12.47	-7.96	-17.17	3.29
Total Revenues, 2 Yr. CAGR %	60.71	59.6	17.85	24.37	11.49
Earnings From Cont. Operations, 2 Yr. CAGR %	106.1	79.05	95.88	58.14	24.88
Net Income, 2 Yr. CAGR %	119.15	75.59	97.32	57.94	24.84
Normalized Net Income, 2 Yr. CAGR %	38.11	149.67	91.75	46.97	8.51
Diluted EPS Before Extra, 2 Yr. CAGR %	52.91	21.99	80.16	55.01	24.84
Dividend Per Share, 2 Yr. CAGR %	-	-	-	57.38	29.1
Gross Loans, 2 Yr. CAGR %	22.2	27.58	14.01	15.06	12.38
Net Loans, 2 Yr. CAGR %	22.2	27.58	14.01	15.06	12.38
Non Performing Loans, 2 Yr. CAGR %	23.98	22.57	-12.5	-14.58	-17.35
Non Performing Assets, 2 Yr. CAGR %	23.98	22.57	-12.41	-14.58	-17.44
Total Assets, 2 Yr. CAGR %	28.73	30.24	8.2	10.43	11.95
Total Deposits, 2 Yr CAGR %	29.9	31.8	7.99	9.91	11.14
Tangible Book Value, 2 Yr. CAGR %	28.68	30.3	11.83	14.76	16.2
Common Equity, 2 Yr. CAGR %	28.68	30.3	11.83	14.76	16.21
Total Equity, 2 Yr. CAGR %	28.36	29.92	11.77	14.7	16.2
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	26.96	20.88	33.13	15.27	12.17
Non Interest Income, 3 Yr. CAGR %	46.89	33.63	28.99	7.46	9.52
Provision For Loan Losses, 3 Yr. CAGR %	0.23	2.7	6.59	-15.32	0.7
Total Revenues, 3 Yr. CAGR %	110.88	43.84	45.33	21.25	14.42
Earnings From Cont. Operations, 3 Yr. CAGR %	-8.6	106.83	80.75	73.35	42.16
Net Income, 3 Yr. CAGR %	-9.9	116.7	78.27	74.19	42.01
Normalized Net Income, 3 Yr. CAGR %	-13.92	64.78	113.79	71.76	22.66
Diluted EPS Before Extra, 3 Yr. CAGR %	-33.82	62.45	38.11	63.94	40.25
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	45.45
Gross Loans, 3 Yr. CAGR %	18.72	18.03	24.32	13.38	14.24
Net Loans, 3 Yr. CAGR %	18.72	18.03	24.32	13.38	14.24
Non Performing Loans, 3 Yr. CAGR %	8.29	12.37	7.61	-12.34	-17.25
Non Performing Assets, 3 Yr. CAGR %	8.29	12.37	7.69	-12.29	-17.3
Total Assets, 3 Yr. CAGR %	23.16	20.89	23.04	9.18	11.2
Total Deposits, 3 Yr CAGR %	24.42	21.94	23.54	9.08	10.27
Tangible Book Value, 3 Yr. CAGR %	19.15	22.9	23.73	13.86	14.64
Common Equity, 3 Yr. CAGR %	19.15	22.9	23.73	13.86	14.64
Total Equity, 3 Yr. CAGR %	19.09	22.66	23.48	13.8	14.62
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	20.69	22.7	21.88	19.72	22.79
Non Interest Income, 5 Yr. CAGR %	35.51	24.66	27.9	23.66	21.36
Provision For Loan Losses, 5 Yr. CAGR %	9.49	13.82	-3.51	-5.76	5.26
Total Revenues, 5 Yr. CAGR %	47.91	29.05	67.09	35.71	30.71
Earnings From Cont. Operations, 5 Yr. CAGR %	3.12	34.28	23.98	85.77	55.9
Net Income, 5 Yr. CAGR %	2.09	35.15	23.29	90.95	54.59
Normalized Net Income, 5 Yr. CAGR %	5.88	38.74	18.59	57.41	62.99
Diluted EPS Before Extra, 5 Yr. CAGR %	-17.39	7	-1.21	59.43	32.64
Dividend Per Share, 5 Yr. CAGR %	-	45.41	-	-	-
Gross Loans, 5 Yr. CAGR %	14.03	15.51	16.81	16.83	19.4
Net Loans, 5 Yr. CAGR %	14.03	15.51	16.81	16.83	19.4
Non Performing Loans, 5 Yr. CAGR %	13.76	10.23	-0.56	0.69	-3.17
Non Performing Assets, 5 Yr. CAGR %	13.76	10.23	-0.52	0.73	-3.17
Total Assets, 5 Yr. CAGR %	15.91	16.1	16.94	16.61	18.48
Total Deposits, 5 Yr CAGR %	16.08	17.01	17.57	16.98	18.42
Tangible Book Value, 5 Yr. CAGR %	14	15.06	16.17	19.57	20.66
Common Equity, 5 Yr. CAGR %	14	15.06	16.17	19.57	20.67
Total Equity, 5 Yr. CAGR %	13.98	15.01	16.11	19.41	20.51