Cash flow Canara Bank

Stocks

CANBK

INE476A01022

Banks

Delayed NSE India S.E. Other stock markets 03:59:48 12/06/2026 pm IST			5-day change	1st Jan Change
131.67 ^INR	+0.11%		-3.05%	-15.00%

08/06	India banks could raise $35-$40 billion via RBI's foreign currency deposit scheme, PNB CEO says	RE
06/06	Reserve Bank of India Imposes Monetary Penalty of INR 249,658.00 on Canara Bank for Delayed Reporting by Currency Chest	CI

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Published financial data: CANARA BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	71TCr	86TCr	1,10500Cr	1,21600Cr	1,26400Cr
Interest Income, Total	71TCr	86TCr	1,10500Cr	1,21600Cr	1,26400Cr
Interest On Deposits	43TCr	53TCr	72TCr	83TCr	89TCr
Interest Expense, Total	43TCr	53TCr	72TCr	83TCr	89TCr
Net Interest Income	28TCr	33TCr	38TCr	39TCr	37TCr
Gain (Loss) on Sale of Assets	14Cr	308.8Cr	16Cr	2.27Cr	-72Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.1TCr	1.84TCr	4.7TCr	3.71TCr	3.23TCr
Total Other Non Interest Income	20TCr	23TCr	24TCr	27TCr	22TCr
Non Interest Income, Total	24TCr	25TCr	29TCr	31TCr	25TCr
Revenues Before Provison For Loan Losses	51TCr	58TCr	67TCr	70TCr	62TCr
Provision For Loan Losses	14TCr	14TCr	9.71TCr	14TCr	14TCr
Total Revenues	37TCr	45TCr	57TCr	56TCr	48TCr
Salaries And Other Employee Benefits	13TCr	14TCr	17TCr	19TCr	19TCr
Occupancy Expense	2.67TCr	2.85TCr	2.89TCr	2.94TCr	3.42TCr
Selling General & Admin Expenses, Total	579.2Cr	817.7Cr	774.58Cr	773.78Cr	723.56Cr
(Income) Loss on Equity Invest.	-363.33Cr	-536.79Cr	-618.56Cr	-355.91Cr	-760.37Cr
Total Other Non Interest Expense	11TCr	12TCr	17TCr	16TCr	7.71TCr
Non Interest Expense, Total	28TCr	30TCr	37TCr	38TCr	30TCr
EBT, Excl. Unusual Items	9.51TCr	15TCr	21TCr	18TCr	18TCr
EBT, Incl. Unusual Items	9.51TCr	15TCr	21TCr	18TCr	18TCr
Income Tax Expense	3.35TCr	3.62TCr	5.22TCr	-	-
Earnings From Continuing Operations	6.16TCr	11TCr	15TCr	18TCr	18TCr
Net Income to Company	6.16TCr	11TCr	15TCr	18TCr	18TCr
Minority Interest	-34Cr	-90Cr	-122.35Cr	-152.28Cr	-5.68Cr
Net Income - (IS)	6.12TCr	11TCr	15TCr	18TCr	18TCr
Net Income to Common Incl Extra Items	6.12TCr	11TCr	15TCr	18TCr	18TCr
Net Income to Common Excl. Extra Items	6.12TCr	11TCr	15TCr	18TCr	18TCr
Per Share Items
Net EPS - Basic	7.01	12.41	16.84	19.34	19.7
Basic EPS - Continuing Operations	7.01	12.41	16.84	19.34	19.7
Basic Weighted Average Shares Outstanding	873.85Cr	907.05Cr	907.15Cr	907.06Cr	907.07Cr
Net EPS - Diluted	7.01	12.41	16.84	19.34	19.7
Diluted EPS - Continuing Operations	7.01	12.41	16.84	19.34	19.7
Diluted Weighted Average Shares Outstanding	873.85Cr	907.05Cr	907.15Cr	907.06Cr	907.07Cr
Normalized Basic EPS	6.76	10.21	14.07	12.02	12.31
Normalized Diluted EPS	6.76	10.21	14.07	12.02	12.31
Dividend Per Share	1.3	2.4	3.22	4	4.2
Payout Ratio	-	10.48	14.25	16.65	20.3
Supplemental Items
Effective Tax Rate - (Ratio)	35.23	24.18	25.3	-	-
Normalized Net Income	5.91TCr	9.26TCr	13TCr	11TCr	11TCr
Non-Cash Pension Expense	849.89Cr	192.13Cr	1.96TCr	1.34TCr	2.08TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	1,34900Cr	91TCr	83TCr	1,19100Cr	1,55600Cr
Investment Securities, Total	3,11300Cr	3,52900Cr	3,99200Cr	4,26200Cr	4,07400Cr
Total investments	3,11300Cr	3,52900Cr	3,99200Cr	4,26200Cr	4,07400Cr
Gross Loans	7,03900Cr	8,30900Cr	9,31800Cr	10,49300Cr	12,20000Cr
Net Loans	7,03900Cr	8,30900Cr	9,31800Cr	10,49300Cr	12,20000Cr
Gross Property Plant And Equipment	19TCr	18TCr	21TCr	18TCr	19TCr
Accumulated Depreciation	-7.21TCr	-7.73TCr	-8.18TCr	-8.05TCr	-8.35TCr
Net Property Plant And Equipment	11TCr	10TCr	12TCr	10TCr	11TCr
Other Intangibles, Total	-	-	-	21Cr	47.93L
Accrued Interest Receivable	6.23TCr	7.84TCr	8.88TCr	11TCr	13TCr
Restricted Cash	48TCr	51TCr	68TCr	87TCr	51TCr
Other Current Assets, Total	16TCr	20TCr	18TCr	16TCr	15TCr
Deferred Tax Assets Long-Term (Collected)	9TCr	6.03TCr	5.75TCr	4.94TCr	3.01TCr
Other Real Estate Owned And Foreclosed	100Cr	94Cr	72Cr	15.68L	15.2L
Other Long-Term Assets, Total	17TCr	12TCr	8.23TCr	6.72TCr	12TCr
Total Assets	12,57700Cr	13,81000Cr	15,35000Cr	17,30700Cr	18,87300Cr
Liabilities
Interest Bearing Deposits	10,33700Cr	11,31500Cr	12,48300Cr	13,79000Cr	15,06300Cr
Non-Interest Bearing Deposits	53TCr	48TCr	64TCr	78TCr	62TCr
Total Deposits	10,86300Cr	11,79100Cr	13,12200Cr	14,56500Cr	15,68300Cr
Current Portion of Long-Term Debt	11TCr	-	-	-	-
Long-Term Debt	35TCr	58TCr	58TCr	90TCr	1,55300Cr
Accrued Interest Payable	2.8TCr	7.77TCr	9.9TCr	9.22TCr	9.63TCr
Other Current Liabilities - (Bank / Utility Template)	2.37TCr	2.19TCr	2.52TCr	2.57TCr	3.22TCr
Other Non Current Liabilities	49TCr	55TCr	60TCr	66TCr	33TCr
Total Liabilities	11,86900Cr	13,02100Cr	14,41900Cr	16,24100Cr	17,69500Cr
Common Stock, Total	1.81TCr	1.81TCr	1.81TCr	1.81TCr	1.81TCr
Additional Paid In Capital	14TCr	14TCr	14TCr	14TCr	14TCr
Retained Earnings	41TCr	49TCr	61TCr	77TCr	90TCr
Comprehensive Income and Other	14TCr	13TCr	15TCr	12TCr	12TCr
Total Common Equity	70TCr	78TCr	92TCr	1,05400Cr	1,17700Cr
Minority Interest	824.69Cr	903.79Cr	1TCr	1.19TCr	73Cr
Total Equity	71TCr	79TCr	93TCr	1,06600Cr	1,17800Cr
Total Liabilities And Equity	12,57700Cr	13,81000Cr	15,35000Cr	17,30700Cr	18,87300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	907.07Cr	907.07Cr	907.07Cr	907.07Cr	907.07Cr
ECS Total Common Shares Outstanding	907.07Cr	907.07Cr	907.07Cr	907.07Cr	907.07Cr
Book Value / Share	77.13	86.05	101.57	116.22	129.76
Tangible Book Value	70TCr	78TCr	92TCr	1,05400Cr	1,17700Cr
Tangible Book Value Per Share	77.13	86.05	101.57	116.19	129.76
Total Debt	46TCr	58TCr	58TCr	90TCr	1,55300Cr
Deposits at Interest - Cash	1,30800Cr	53TCr	47TCr	69TCr	1,01800Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.07TCr	2.82TCr	4.68TCr	6.25TCr	4.66TCr
Net Debt	-89TCr	-33TCr	-26TCr	-29TCr	-280.31Cr
Equity Method Investments, Total	3.71TCr	4.29TCr	4.88TCr	5.69TCr	5.34TCr
Full Time Employees	86.92T	84.98T	82.64T	81.26T	81.83T
Number Of Offices	9.74T	9.71T	9.61T	9.85T	10.1T

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	6.12TCr	11TCr	15TCr	18TCr	18TCr
Depreciation, Depletion & Amortization	841.05Cr	1.02TCr	901.73Cr	869.77Cr	924.53Cr
Total Depreciation, Depletion & Amortization	841.05Cr	1.02TCr	901.73Cr	869.77Cr	924.53Cr
(Gain) Loss On Sale of Asset - (CF)	-14Cr	-308.8Cr	-16Cr	-2.27Cr	72Cr
(Gain) Loss on Sale of Investments - (CF)	-2.43TCr	1.77TCr	-3.75TCr	-4.81TCr	-5.13TCr
Total Asset Writedown	-	9.47TCr	8.88TCr	-	-
Provision for Credit Losses	9.63TCr	338.87Cr	207.64Cr	9.93TCr	7.33TCr
Change in Other Net Operating Assets (Collected)	-93TCr	-1,59000Cr	-1,44200Cr	-1,11300Cr	-1,31200Cr
Other Operating Activities	4.77TCr	2.78TCr	4.6TCr	4.2TCr	6.26TCr
Cash from Operations	-74TCr	-1,32700Cr	-1,18100Cr	-84TCr	-1,03900Cr
Capital Expenditure	-821.02Cr	-613.45Cr	-1.25TCr	-	-1.29TCr
Sale of Property, Plant, and Equipment	-	-	-	1.16TCr	-
Cash Acquisitions	-540.15Cr	-577.67Cr	-589.41Cr	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-	-	-	-818.66Cr	358.24Cr
Other Investing Activities, Total	105.29Cr	-47Cr	95Cr	-2.8TCr	-1.88TCr
Cash from Investing	-1.26TCr	-1.24TCr	-1.75TCr	-2.46TCr	-2.81TCr
Long-Term Debt Issued, Total	6.5TCr	6TCr	3.4TCr	7TCr	8.5TCr
Total Debt Issued	6.5TCr	6TCr	3.4TCr	7TCr	8.5TCr
Long-Term Debt Repaid, Total	-2.93TCr	-1.95TCr	-2.5TCr	-4.9TCr	-7.09TCr
Total Debt Repaid	-2.93TCr	-1.95TCr	-2.5TCr	-4.9TCr	-7.09TCr
Issuance of Common Stock	2.49TCr	-	-	-	-
Common Dividends Paid	-	-1.18TCr	-2.18TCr	-2.92TCr	-3.63TCr
Common & Preferred Stock Dividends Paid	-	-1.18TCr	-2.18TCr	-2.92TCr	-3.63TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	75TCr	93TCr	1,33200Cr	1,44300Cr	1,11800Cr
Other Financing Activities, Total	-2.02TCr	-2.43TCr	-2.56TCr	-2.69TCr	-2.58TCr
Cash from Financing	79TCr	93TCr	1,29300Cr	1,40700Cr	1,07000Cr
Foreign Exchange Rate Adjustments	-173.5Cr	82Cr	-2.16Cr	24Cr	105.36Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	3.53TCr	-41TCr	9.46TCr	55TCr	440.32Cr
Supplemental Items
Cash Interest Paid	2.03TCr	2.45TCr	2.6TCr	2.73TCr	2.77TCr
Cash Income Tax Paid (Refund)	4.15TCr	4.2TCr	2.89TCr	4.1TCr	2.91TCr
Net Debt Issued / Repaid	3.57TCr	4.05TCr	903Cr	2.1TCr	1.41TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	0.51	0.86	1.06	1.08	0.99
Return On Equity %	9.19	15.15	17.9	17.71	15.94
Return on Common Equity	9.25	15.21	17.96	17.76	16.02
Shareholders Value Added	-1.82TCr	2.37TCr	5.07TCr	5.69TCr	4.49TCr
Margin Analysis
SG&A Margin	46.77	42.93	38.65	43.02	52.39
Net Interest Income / Total Revenues %	74.4	73.64	66.98	70.1	77.15
EBT Excl. Non-Recurring Items Margin %	25.65	33.5	35.96	31.86	37.05
Income From Continuing Operations Margin %	16.61	25.4	26.86	31.86	37.05
Net Income Margin %	16.52	25.19	26.65	31.59	37.03
Net Avail. For Common Margin %	16.52	25.19	26.65	31.59	37.03
Normalized Net Income Margin	15.94	20.73	22.26	19.64	23.14
Asset quality
Nonperforming Loans / Total Loans %	7.91	5.56	4.36	3	1.86
Nonperforming Loans / Total Assets %	4.42	3.34	2.65	1.82	1.2
Nonperforming Assets / Total Assets %	4.42	3.35	2.65	1.82	1.2
NPAs / Loans and OREO	7.91	5.57	4.37	3	1.86
NPAs / Equity	78.62	58.58	43.68	29.58	19.31
Provision for Loan Losses / Net Charge-offs %	329.29	184.5	518.47	408.27	-1.01T
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.43	5.61	5.84	6.05	6.16
Total Average Equity / Total Average Assets %	5.5	5.67	5.9	6.12	6.2
Total Equity + Allowance for Loan Losses / Total Loans %	9.94	9.39	9.89	10.05	9.65
Gross Loans / Total Deposits %	64.79	70.47	71.01	72.04	77.79
Net Loans / Total Deposits %	64.79	70.47	71.01	72.04	77.79
Tier 1 Capital Ratio %	11.91	13.78	13.95	14.37	14.59
Total Capital Ratio %	14.9	16.68	16.28	16.33	17.04
Core Tier 1 Capital Ratio	10.26	11.59	11.58	12.03	12.44
Tier 2 Capital Ratio	2.99	2.9	2.33	1.96	2.45
Interbank Ratio	55.26	31.14	28.29	27.38	15.29
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.22	1.28	1.29	1.21	1.2
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	10	19.28	16.74	1.35	-4.33
Non Interest Income, 1 Yr. Growth %	2.41	7.11	13.11	8.42	-19.89
Provision For Loan Losses, 1 Yr. Growth %	-11.49	-4.28	-28.32	-3.18	-4.15
Total Revenues, 1 Yr. Growth %	15.24	20.51	28.35	6.53	-13.08
Earnings From Cont. Operations, 1 Yr. Growth %	108.3	84.21	35.76	14.88	1.06
Net Income, 1 Yr. Growth %	111.89	83.76	35.75	14.8	1.9
Normalized Net Income, 1 Yr. Growth %	134.57	56.75	37.81	14.75	2.41
Diluted EPS Before Extra, 1 Yr. Growth %	83.35	77.03	35.75	14.81	1.9
Dividend Per Share, 1 Yr. Growth %	-	84.62	34.17	24.22	5
Gross Loans, 1 Yr. Growth %	10.1	18.05	12.14	12.62	16.27
Net Loans, 1 Yr. Growth %	10.1	18.05	12.14	12.62	16.27
Non Performing Loans, 1 Yr. Growth %	-7.69	-17.06	-12.03	-22.35	-27.88
Non Performing Assets, 1 Yr. Growth %	-7.69	-17.04	-12.06	-22.49	-27.88
Total Assets, 1 Yr. Growth %	6.62	9.71	11.15	12.75	8.93
Total Deposits, 1 Yr Growth %	7.45	8.54	11.29	10.99	7.68
Tangible Book Value, 1 Yr. Growth %	12.1	11.57	18.04	14.43	11.68
Common Equity, 1 Yr. Growth %	12.1	11.57	18.04	14.42	11.66
Total Equity, 1 Yr. Growth %	12	11.54	17.95	14.47	10.48
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	40.65	14.55	18	8.77	-1.53
Non Interest Income, 2 Yr. CAGR %	41.55	4.74	10.07	10.74	-6.81
Provision For Loan Losses, 2 Yr. CAGR %	12.47	-7.96	-17.17	3.29	-3.67
Total Revenues, 2 Yr. CAGR %	59.6	17.85	24.37	11.49	-3.77
Earnings From Cont. Operations, 2 Yr. CAGR %	79.05	95.88	58.14	24.88	7.74
Net Income, 2 Yr. CAGR %	75.59	97.32	57.94	24.84	8.16
Normalized Net Income, 2 Yr. CAGR %	149.67	91.75	46.97	8.51	8.41
Diluted EPS Before Extra, 2 Yr. CAGR %	21.99	80.16	55.01	24.84	8.16
Dividend Per Share, 2 Yr. CAGR %	-	-	57.38	29.1	14.21
Gross Loans, 2 Yr. CAGR %	27.58	14.01	15.06	12.38	14.43
Net Loans, 2 Yr. CAGR %	27.58	14.01	15.06	12.38	14.43
Non Performing Loans, 2 Yr. CAGR %	22.57	-12.5	-14.58	-17.35	-25.16
Non Performing Assets, 2 Yr. CAGR %	22.57	-12.41	-14.58	-17.44	-25.23
Total Assets, 2 Yr. CAGR %	30.24	8.2	10.43	11.95	10.88
Total Deposits, 2 Yr CAGR %	31.8	7.99	9.91	11.14	9.32
Tangible Book Value, 2 Yr. CAGR %	30.3	11.83	14.76	16.2	13.04
Common Equity, 2 Yr. CAGR %	30.3	11.83	14.76	16.21	13.03
Total Equity, 2 Yr. CAGR %	29.92	11.77	14.7	16.2	12.45
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	20.88	33.13	15.27	12.17	4.22
Non Interest Income, 3 Yr. CAGR %	33.63	28.99	7.46	9.52	-0.59
Provision For Loan Losses, 3 Yr. CAGR %	2.7	6.59	-15.32	0.7	0.74
Total Revenues, 3 Yr. CAGR %	43.84	45.33	21.25	14.42	2.61
Earnings From Cont. Operations, 3 Yr. CAGR %	106.83	80.75	73.35	42.16	16.37
Net Income, 3 Yr. CAGR %	116.7	78.27	74.19	42.01	16.67
Normalized Net Income, 3 Yr. CAGR %	64.78	113.79	71.76	22.66	6.44
Diluted EPS Before Extra, 3 Yr. CAGR %	62.45	38.11	63.94	40.25	16.67
Dividend Per Share, 3 Yr. CAGR %	-	-	-	45.45	20.51
Gross Loans, 3 Yr. CAGR %	18.03	24.32	13.38	14.24	13.66
Net Loans, 3 Yr. CAGR %	18.03	24.32	13.38	14.24	13.66
Non Performing Loans, 3 Yr. CAGR %	12.37	7.61	-12.34	-17.25	-21.02
Non Performing Assets, 3 Yr. CAGR %	12.37	7.69	-12.29	-17.3	-21.08
Total Assets, 3 Yr. CAGR %	20.89	23.04	9.18	11.2	10.97
Total Deposits, 3 Yr CAGR %	21.94	23.54	9.08	10.27	9.98
Tangible Book Value, 3 Yr. CAGR %	22.9	23.73	13.86	14.64	14.67
Common Equity, 3 Yr. CAGR %	22.9	23.73	13.86	14.64	14.67
Total Equity, 3 Yr. CAGR %	22.66	23.48	13.8	14.62	14.26
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	22.7	21.88	19.72	22.79	8.23
Non Interest Income, 5 Yr. CAGR %	24.66	27.9	23.66	21.36	1.51
Provision For Loan Losses, 5 Yr. CAGR %	13.82	-3.51	-5.76	5.26	-2.83
Total Revenues, 5 Yr. CAGR %	29.05	67.09	35.71	30.71	8.45
Earnings From Cont. Operations, 5 Yr. CAGR %	34.28	23.98	85.77	55.9	43.32
Net Income, 5 Yr. CAGR %	35.15	23.29	90.95	54.59	43.96
Normalized Net Income, 5 Yr. CAGR %	38.74	18.59	57.41	62.99	34.69
Diluted EPS Before Extra, 5 Yr. CAGR %	7	-1.21	59.43	32.64	38.81
Dividend Per Share, 5 Yr. CAGR %	45.41	-	-	-	-
Gross Loans, 5 Yr. CAGR %	15.51	16.81	16.83	19.4	13.8
Net Loans, 5 Yr. CAGR %	15.51	16.81	16.83	19.4	13.8
Non Performing Loans, 5 Yr. CAGR %	10.23	-0.56	0.69	-3.17	-17.72
Non Performing Assets, 5 Yr. CAGR %	10.23	-0.52	0.73	-3.17	-17.72
Total Assets, 5 Yr. CAGR %	16.1	16.94	16.61	18.48	9.86
Total Deposits, 5 Yr CAGR %	17.01	17.57	16.98	18.42	9.18
Tangible Book Value, 5 Yr. CAGR %	15.06	16.17	19.57	20.66	13.53
Common Equity, 5 Yr. CAGR %	15.06	16.17	19.57	20.67	13.53
Total Equity, 5 Yr. CAGR %	15.01	16.11	19.41	20.51	13.26