1. Page 1 www.canarabank.com PERFORMANCE HIGHLIGHTS SEPTEMBER 2014

2. Page 2 www.canarabank.com HIGHLIGHTS – SEPT’2014 Total Business up by 14.8% y-o-y to ` 7.72 lakh crore. Total Deposits up by 17.8% y-o-y to ` 4.61 lakh crore. Advances (net) up by 10.6% y-o-y to ` 3.11 lakh crore. Continued robust growth in retail business - MSME (27%), MSE (30%), Retail Lending (28%), Housing Loans (10%), Vehicle Loans (49%) and other personal loans (101%). Income from loans/advances for Q2 FY15 rose by 14.9% to ` 8005 crore. Total fee income for the quarter up by 32.1% to ` 1021 crore from ` 773 crore last year. Net Interest Income for Q2 FY15 at ` 2368 crore, increased by 8.1% y-o-y. Net Interest Margin NIM (global) increased to 2.24% from 2.22% y-o-y. Operating Profit for Q2 FY15 up by 14.1% to ` 1626 crore. Net profit for Q2FY15 was at ` 627 crore compared to ` 626 crore for Q2FY14. Gross NPA Ratio contained below 3% at 2.92% and Net NPA ratio at 2.31%, despite continuing stressed scenario at the industry level. Provision Coverage ratio increased to 58.68% from 57.77% last year. 504 branches and 586 ATMs added during the Q2FY15, taking the total to 5514 branches and 7095 ATMs.

3. Page 3 www.canarabank.com PERFORMANCE HIGHLIGHTS- BUSINESS Parameters SEP’13Dec’13MAR’14 JUNE’14SEP’14 SEQ (%) y.o.y Growth (%) Deposits391613408924420723428976461193 7.5117.77 Advances (net) 281104287700301067302964310860 2.6110.59 Business672717696624721790731940772053 5.4814.77 C-D Ratio71.7870.3671.5670.6267.40 -- Amt. in ` Crore Note : SEQ- Sequential Quarter – Q2FY15 over Q1FY15 Market share in deposits up by 21 bps to 5.14% over Mar 14. Market share in Advances up by 9 bps to 4.57% over Mar 14.

4. Page 4 www.canarabank.com PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS Parameters SEPT’13MAR’ 14 SEPT’14 y.o.y Growth USD Mn ` Crs USD Mn ` Crs USD Mn ` Crs (%) Deposits 337.8920865354.1721870404.2424962 19.63 Advances 318.0419639311.3219224345.7221348 8.70 Gross Income 8.02 495 17.68109210.56652 31.72 Gross Expenditure 5.75 355 13.788517.99494 30.15 Gross Profit 2.27 140 3.922422.56158 12.86 Overseas Business constitute 6% of the Total Business

5. Page 5 www.canarabank.com PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q2FY15 Parameters Q2FY14Q4FY14 Q1FY15 Q2FY15 SEQ (%) y.o.y Growth (%) Total Income 10427116101172811915 1.5914.27 Total Expenses 90039728993310290 3.0714.30 Operating Profit 1425188217951626 -9.4614.08 Net Profit 626611807627 -22.380.10 NIM (%) Domestic 2.332.402.422.36-- NIM (%) Global 2.222.272.302.24-- Amt. in ` Crore

6. Page 6 www.canarabank.com PERFORMANCE HIGHLIGHTS- PROFITABILITY-H1 FY15 Parameters H1FY14Mar’14H1FY15 y.o.y Growth (%) Total Income 20935434802364312.93 Total Expenses 17612366842022314.82 Operating Profit 3323679634212.93 Net Profit 1418243814341.11 Amt. in ` Crore

7. Page 7 www.canarabank.com PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH Sept’13 Mar’14Sept’14Y-o-Y incr. Branch Network4216475555141298 ATM Strength4005631270953090 Debit Card (In Lakh)116.03151.29184.7059.18 5507 domestic Branches 7 overseas branches at Johannesburg, New York, London, Leicester, Shanghai, Manama & Hong Kong Population group No. of branches% to total Rural 176232.00% Semi-Urban169130.71% Rural + Semi-Urban345362.71% Urban107019.43% Metro98417.87% TOTAL Domestic5507100% Of which Branches Financial Inclusion79014.35% SME1542.79% MCD* (minority Community District) 133924.31 E-Lounges132

8. Page 8 www.canarabank.com BUSINESS SEGMENTS

9. Page 9 www.canarabank.com SEGMENT WISE DEPOSITS Parameters SEP’13DEC’13MAR’14 JUN’14SEPT’14 y.o.y Growth (%) Total Deposits 391613408924420723428976461193 17.77 Current 1520814793177441674917743 16.67 Saving 8007079671855368159486287 7.76 CASA 952789446510327998343104030 9.19 CASA (%)Dom 25.63%24.27%25.90%24.1523.71 -- Term Deposits 296335314460317443330633357163 20.53 - PRDs + CDs 5420563727644435645869194 27.65 % PRDs +CDs to Total Deposits 13.8415.5815.3213.1615.0 -- Amt. in ` Crore

10. Page 10 www.canarabank.com BROAD BASED CREDIT GROWTH Y.o.Y Credit SegmentsMar’14 Y.o.Y Jun’14 Y.o.Y Sept’14 Y.o.Y Priority Sector 24%25%23% Agriculture 20%25% MSME 35%33%27% MSE 38%33%30% Retail 45%43%28% Housing (Direct) 48%38%37% Vehicle 62%59%49% Other Personal Loans 58%73%101%

11. Page 11 www.canarabank.com LOANS & ADVANCES SEGMENT Parameters SEP’13DEC’13MAR’14JUN’14SEP’14 y.o.y Growth (%) Advances (Net) 281104287700301067302964310860 10.59 Total Priority 882809301897762103694108748 23.2 Agriculture 4404245703487975395654890 24.6 - Direct Agriculture 399954178744268452024670516.8 - Indirect Agri 40473916452987548185102 Other Priority 1260312848132951371814317 13.6 MSME 4346447678500404931655011 26.6 MSE 3177334773367033718641227 29.8 Retail Credit 3027432847335293619738884 28.4 Amt. in ` Crore

12. Page 12 www.canarabank.com ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Achieved the mandated targets in respect of: Agriculture (18.98% against 18% norm) Direct agriculture (16.15% against 13.5% norm) Credit to specified minority communities (18.19% against 15% norm) Weaker Section (11.45% against 10% norm) M&SE (29.75% y.o.y growth against 20% norm) Number of Micro Enterprises accounts (44.7% growth against 10% norm) % % of Micro to MSE constitute 60.01%(against 60% norm). Credit to women beneficiaries increased to 12.84% as against 5% norm. Mandated Targets under Priority Sector

13. Page 13 www.canarabank.com Performance of Retail Advances Type of Advances SEP’13DEC’13MAR’14JUN’14SEP’14SEQ(%) y.o.y Growth (%) Housing loans1839220042196842034720273 -0.410.2 Vehicle loans23432791309933353490 4.649.0 Education loans46714791490150465336 5.714.2 Other Personal Loans48685223584574699785 31.0101.0 Grand total3027432847335293619738884 7.428.4 Amt. in ` Crore

14. Page 14 www.canarabank.com EXPOSURE - INFRASTRUCTURE Parameters SEP’13 DEC’13MAR’14 JUN’14SEP’14 % Share Total Adv y.o.y Growth (%) Roads 52716529698072427517 2.442.6 Ports 597111210921093831 0.2739.2 Airports 13551380182717881688 0.5424.6 Power (Generation, Transmission & Distribution) 3870738414382944216543539 14.0112.5 Telecom 69607190657266285609 1.80-19.4 Other Infrastructure 34312849298328362902 0.93-15.4 Total Infrastructure 5632257474577486175162086 19.9710.2 Amt. in ` Crore

15. Page 15 www.canarabank.com Parameters SEP’13DEC’13MAR’14JUN’14 SEP’14 % Share Total Adv SEQ (%) y.o.y Growth (%) -Power Generation 1875419334 200032198522707 7.303.2821.08 -Power Transmission 21712286 221521662205 0.711.801.57 -Power Distribution 1778216794 160761801418627 5.993.404.75 Total Power 3870738414 382944216543539 14.013.2612.48 Of which SEBs 2831723927 230022572325941 8.340.85-8.39 Amt. in ` Crore EXPOSURE - POWER SECTOR & AVIATION Exposure to Aviation 18621833176120091935 0.62 -3.683.92

16. Page 16 www.canarabank.com SEP’13DEC’13MAR’14JUN’14 SEP’14 SEQ(%) y.o.y Growth (%) EXPOSURE TO CAPITAL MARKET Outstanding23102312221023652348 -0.72.26 EXPOSURE TO NBFCs Total3069231293261632547424589 -3.5-19.8 Out of above : HFCs1096311433814483677475 -10.66-31.8 Private1443314740121631162112151 4.56-15.8 Public52965119553651764671 -9.76-11.8 EXPOSURE TO COMMERCIAL REAL ESTATE Outstanding28483176348330863561 15.426 Amt. in ` Crore EXPOSURE TO OTHER SECTORS

17. Page 17 www.canarabank.com FINANCIALS

18. Page 18 www.canarabank.com PROFITABILITY- Q2 FY15 Parameters Q2 FY14Q3 FY14Q4 FY14Q1 FY15Q2 FY15 SEQ (%) y.o.y Growth (%) Total Income 1042710935116101172811915 1.5914.27 Total Expenses 900393449728993310290 3.5914.30 Operating Profit 14251591188217951626 -9.4614.08 Provisions 79911821271988999 1.1024.99 Net Profit 626409611807627 -22.380.14 Net Int. Income 21912227253524292368 -2.538.06 Non Int. Income 773851107010271021 -0.5632.12 Amt. in ` Crore

19. Page 19 www.canarabank.com PROFITABILITY – H1 FY15 Parameters H1FY14Mar’14H1FY15 y.o.y Growth (%) Total Income 20935434802364312.93 Total Expenses 17612366842022314.82 Operating Profit 3323679634212.93 Provisions 1905435819874.28 Net Profit 1418243814341.11 Net Int. Income 41828944479714.70 Non Int. Income 2011393320481.84 Amt. in ` Crore

20. Page 20 www.canarabank.com BREAK-UP : INCOME – Q2 FY15 Parameters Q2 FY14Q3 FY14Q4 FY14Q1 FY15Q2 FY15SEQ (%) y.o.y Growth (%) Interest on Advances 69647360768379058005 1.2614.94 Interest on Investments 25972575259826252681 2.143.24 Other Interest Income 93149259171208 21.55123.29 Total Interest Income 965410084105401070110894 1.8012.84 Non - Interest Income 773851107010271021 -0.5432.13 Total Income 1042710935116101172811915 1.6014.27 Amt. in ` Crore

21. Page 21 www.canarabank.com BREAK-UP : INCOME – H1 FY15 Parameters H1 FY14Mar’14H1FY15 y.o.y Growth (%) Interest on Advances 13414284581591018.60 Interest on Investments 50791025153064.48 Other Interest Income 431839379-12.09 Total Interest Income 18924395482159514.11 Non – Interest Income 2011393320481.84 Total Income 20935434802364312.93 Amt. in ` Crore

22. Page 22 www.canarabank.com BREAK-UP : EXPENDITURE – Q2 FY15 Parameters Q2 FY14Q3 FY14Q4 FY14Q1 FY15Q2 FY15SEQ (%) y.o.y Growth (%) Interest Expenses 74637857800582728526 3.0714.24 Interest on Deposits 69237311747677027964 3.4015.05 Staff Expenses 93387397910381036 -0.2211.06 Other Op Exp 607614744623728 16.8119.99 Total Op Exp 15391488172316611764 6.1714.58 Total Expenses 900393449728993310290 3.5914.30 Amt. in ` Crore

23. Page 23 www.canarabank.com BREAK-UP : EXPENDITURE – H1 FY15 Parameters H1 FY14Mar’14H1FY15 y.o.y Growth (%) Interest Expenses 14742306031679813.95 Interest on Deposits 13871286581566712.95 Staff Expenses 18203672207413.97 Other Op Exp 10502409135128.54 Total Op Exp 28706081342519.32 Total Expenses 17612366842022314.82 Amt. in ` Crore

24. Page 24 www.canarabank.com BREAK-UP: NON-INTEREST INCOME Parameters Sep’13 Q2FY14 Mar’ 14 Q4FY14 Jun’14 Q1FY15 Sep’14 Q2FY15 y.o.y Growth(%) Com & Exchange269284209 224-16.45 -Bancassurance42111 17282.18 Profit from Exch. Transactions118226263 20674.18 Rent – Lockers4266 4-8.40 Dividend Income21197 220.14 Recovery in W/Off A/cs85111108 905.66 Service Charges & Oth. Msc Income208353283 33160.43 Total (Excluding Treasury Trading Profit) 705995936 87724.53 Total (Including Treasury Trading Profit) 77310701027 102132.13 Amt. in ` Crore Core fee income excluding Treasury Trading Profit up by 25% to ` 877 crore. Total Non interest income is at ` 1021 Crore for Q2FY15

25. Page 25 www.canarabank.com BREAK-UP: NON-INTEREST INCOME Parameters H1FY14Mar’14H1FY15 y.o.y Growth (%) Com & Exchange469940433 -7.62 -Bancassurance1547 202.27 Profit from Exch. Transactions296670469 58.45 Rent – Lockers626770 12.58 Dividend Income287028 -2.06 Recovery in W/Off A/cs165425209 26.31 Service Charges & Oth. Msc Inc4791097500 4.37 Total (Excluding Treasury Trading Profit) 149932691709 14.01 Total (Including Treasury Trading Profit) 201139332048 1.84 Amt. in ` Crore

26. Page 26 www.canarabank.com BREAK-UP : PROVISIONS- Q2FY15 Provisions for Q2 FY14Q3 FY14Q4 FY14Q1 FY15Q2 FY15 NPAs 3475438021125912 Standard Assets 18393112-- Provisions on Investments 85157362(416)(22) Tax 125130180200185 Restructured & Others 59259(185)79(76) Total Provision &Contingency 79911821271988999 Amt. in ` Crore

27. Page 27 www.canarabank.com BREAK-UP : PROVISIONS – H1FY15 Provisions for H1 FY14Mar’14H1FY15 NPAs 79021352037 Standard Assets 273478- Provisions on Investments 173692(438) Tax 315625385 Restructured & Others 3544283 Total Provision &Contingency 190543581987 Amt. in ` Crore

28. Page 28 www.canarabank.com EARNINGS PROFILE In % Parameters Q2FY14Q3FY14Q4FY14Q1FY15Q2FY15 NIM – Domestic2.332.352.402.422.36 NIM – Global 2.222.212.272.302.24 ROAA0.580.370.540.660.51 EPS ( ` ) (not Annualized)14.139.2413.6517.4913.59 Book Value ( ` )524.94518.61522.76521.68538.01 ROE (Annualized)12.5110.8110.5913.4711.78 Cost-Income Ratio (Cumulative)46.3447.047.2248.0650.03

29. Page 29 www.canarabank.com TREND IN COST AND YIELD (%) Sep’13Dec’13Mar’14 Jun’14Sep’14 Cost of Deposits 7.507.487.427.447.40 Cost of Funds 6.866.826.80 6.82 Yield on Advances 10.6310.5510.5410.69 Yield on Funds 8.818.758.798.808.77 Yield on Investments 7.99 8.038.058.04 (In %)

30. Page 30 www.canarabank.com Investment Classification Parameters Sep’13 % Share in Total Portfolio Mar’14 % Share in Total Portfolio Sep’14 % Share in Total Portfolio SLR 10130185.0 10809585 12361284 Non SLR 1792915.0 1875815 2237715 Total (Domestic) 119229100 126853100 145989100 Held For Trading 2370.2 1570.1 4900.3 Available For Sale 2972024.4 4135132 4371629.7 Held To Maturity 8952375.0 8532067 10218970 M.DURATION 4.66--4.63 --4.25-- Total (Global) 119481--126828 --146395-- Amt. in ` Crore

31. Page 31 www.canarabank.com ASSET QUALITY

32. Page 32 www.canarabank.com ASSET QUALITY Sep’13Dec’13Mar’14 June’14Sep’14 Gross NPA74758074757081609164 Gross NPA Ratio (%) 2.642.792.492.672.92 Net NPA64596870596561507170 Net NPA Ratio (%) 2.302.391.982.032.31 Cash Recovery (cumulative) 19233135549420193213 Cash Recovery of ` 1194 crore during the Q2 FY15 Amt. in ` Crore

33. Page 33 www.canarabank.com GROSS NPA MOVEMENT – Quarterly ( ` in crore) PARTICULARS Sep’13 Mar’14June’14Sep’14 Opening Gross NPA ( ` Crore) 6260 7570 Additions4209844325955773 Sub Total10469147031016513343 Less: Reduction (a+b+c+d))2994713420054179 a) Write Off (Including Addn Prudential Write-off)74915918001854 b) Upgradation 1406 28535351197 c) Recovery for movement (excluding recovery in w/o a/c and unapplied interest) 83926896701128 Gross NPA - Closing Balance7475757081609164 Gross Advances 283024 303431305723313431 Gross NPA %2.642.492.672.92 Net NPA6459596561507170 Net NPA %2.301.982.032.31 Total Cash Recovery (incl.rec. in Wr.-off a/cs, recovery in Current Year slippage & U/A interest) 1923549420193213

34. Page 34 www.canarabank.com NPA COMPOSITION Parameters SEPT’13DEC’13MAR’14 JUN’14SEPT’14 Gross Advances 283024289833303431305723313431 Sub-Standard 47705211343641675416 Doubtful 27052863413439933748 Loss NIL Provision Coverage Ratio (%) 57.7757.3960.1160.1058.68 Amt. in ` Crore

35. Page 35 www.canarabank.com SECTOR Q2 FY14 Q3 FY14 Q4 FY14 Q1 FY15 Q2 FY15 % to total Slippages Micro & Small Ent.278282426631970 30.5 Agriculture196243200390373 11.7 Other Priority Sector116125 107184200 6.3 Total Priority Sector59065073312051543 48.6 Medium Industries589153174391 12.3 Large Industries7005449697671071 33.7 Other Non-Priority 152817291398171 5.4 Total Non-Priority 9101452131313381633 51.4 Total (Domestic) 15002101204625443176 99.9 Overseas 2089512 0.1 Total (Global) 15202100213525953178 100.0 SECTOR-WISE NPA SLIPPAGES Amt. in ` Crore

36. Page 36 www.canarabank.com SECTOR- WISE NPA OUTSTANDING SECTOR Sep’13Dec’13Mar’14 Jun’14Sep’14 Micro & Small Enterprises 16251488172719592401 Agriculture1018101697911791189 Other Priority Segments368341250358402 Medium Enterprises402379389441727 Large Industries31463420327930673386 Other Non-Priority Segments916143094611551059 Total74758074757081609164 Amt. in ` Crore

37. Page 37 www.canarabank.com Particulars Sep’13Dec’13Mar’14Jun’14Sep’14 Gross Advances 283024289833303431305723313431 Gross NPA 74758074757081609164 Gross NPA % 2.642.792.492.672.92 Priority Sector Advances 882809301897762103694108748 PS as % to Gross Advances 31.2 32.1 32.233.9234.69 Total PS NPA 30112845295634963992 Total PS NPA% 3.4 3.103.023.373.67 Share of PS NPA to Gross NPA 40.3 35.2339.0542.8443.56 Agriculture NPA 1018101697911791189 Agriculture NPA% 2.31 2.222.012.182.17 MSE NPA 1625 1488172719592401 MSE NPA % 5.114.284.715.446.07 Other Priority NPA 368 341250358402 Other Priority NPA % 2.922.651.872.612.81 SECTORAL CONTRIBUTION OF NPA Amt. in ` Crore

38. Page 38 www.canarabank.com RESTRUCTURED ASSETS Amt. in ` Crore Restructured PARestructured NPA Total Restructured A/cs No of A/CsAmountNo of A/CsAmountNo of A/CsAmount A/c Restructured in Q1 2013-14125136593181341683 A/c Restructured in Q2 2013-14341697359263475999 A/c Restructured in Q3 2013-1430323402545230863454 A/c Restructured in Q4 2013-14332313074712533701432 Change in Balance and / or closure of acct during FY 13-14-3117-2700-1038224-4155-2476 Total Restructured accounts as on 31.03.20141986020248623029572609023205 A/c Restructured in Q1 2014-15 13408795947913991358 A/c Restructured in Q2 2014-15 86948192061118900930 Total Restructured accounts as on 30.09.20142364820392716241653081024557

39. Page 39 www.canarabank.com RESTRUCTURED ASSETS UNDER CDR POSITION AS ONA/CAmount JUNE- 2013 8412314 SEPTEMBER-2013 9112932 DECECEMBER-2013 9412185 MARCH-2014 9610446 JUNE- 2014 949224 SEPTEMBER-2014 859261 Amt. in ` Crore

40. Page 40 www.canarabank.com SECTOR WISE RESTRUCTURED ACCOUNTS Name of the SectorAs on 30-09-2014 ( ` in Crore ) Details of restructured AccountsNo. of accountsAmount% to cumulatative Outstanding Amt. INFRASTRUCTURE 1131246250.75% Of Which Power POWER 61884336.01% State DISCOMS 653326.60% State Transmission --- State Generation --- Private 23109.41% Of Which ROADS 3615606.35% Of Which PORTS 21330.54% Of Which AVIATION 310394.23% Of Which TELECOM 118873.61% MINING 35250.10% IRON AND STEEL 114274211.17% TEXTILE 50519627.99% ENGINEERING 2778103.30% PHARMACEUTICAL 362851.16% CEMENT 343451.40% HARDWARE 17730.30% SHIPPING 12340.14% EDIBLE OIL 18210.08% AGRICULTURE 107994301.75% EDUCATION 62341350.55% HOUSING 44982210.90% CHEMICAL 30420.17% CONSTRUCTION AND REAL ESTATE 121278111.32% OTHER INDUSTRIES 49410664.34% OTHER SERVICES 747311234.57% TOTAL 3081024557100.00%

41. Page 41 www.canarabank.com AMOUNT RESTRUCTURED DURING Q2 FY15 No. of AccountsAmount Agriculture 240267 MSME 226189 Housing / Education loan 337793 Large Advances 15656 Others 84525 Total 8900930 Amt. in ` Crore

42. Page 42 www.canarabank.com SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT SEP 2014 No. of AccountsAmount Agriculture10799430 MSME70471223 Housing / Education loan10732356 Large Advances51922173 Others1713375 Total3081024557 Amt. in ` Crore

43. Page 43 www.canarabank.com CAPITAL ADEQUACY – NEW BASEL III NORMS Capital Adequacy Ratio CRAR of 10.19% at SEP 2014 Vs. 9% norm CET ratio at 7.13% vs. 5.5% norm Tier I ratio at 7.41% vs. 7% norm Tier II ratio at 2.78% Govt. holding at 69% Paid-up Capital at ` 461.26 crore Sufficient headroom available for raising further capital

44. Page 44 www.canarabank.com CAPITAL ADEQUACY – BASEL III BASEL III Particulars SEPT’13DEC-13Mar'14JUN’14SEPT’14 Risk- weighted Assets 273066302155 312226321819322093 Tier I Capital 2327322609 239912380323859 Tier I Ratio% CET: 8.13% AT I: 0.39% Tier I:8.52% CET: 7.13% AT I: 0.35% Tier I:7.48% CET: 7.41% AT I: 0.27% Tier I:7.68% CET: 7.12% AT I: 0.27% Tier I:7.39% CET: 7.13% AT I: 0.28% Tier I:7.41% Tier II Capital 57247097 920591338959 Tier II Ratio% 2.102.35 2.952.842.78 Total Capital 2899729706 331963293632819 CRAR% 10.629.83 10.6310.2310.19 Amt. in ` Crore

45. Page 45 www.canarabank.com SHAREHOLDING PATTERN As on SEPT 30, 2014 Govt.69.00 FIIs10.82 Insurance Companies 6.67 Mutual Funds4.73 Residents Individuals 5.37 Banks0.72 Others2.69

46. Page 46 www.canarabank.com Pradhan Mantri Jan Dhan Yojana (PMJDY)  Under PMJDY, the Bank has opened 36.50 lakh accounts so far, with an outstanding balance of 725 crore.  The Bank issued 27.18 lakh RuPay cards.  The Scheme envisages an Over draft facility of 5000/- in respect of accounts that have satisfactory operation for 6 months.  The Bank is allotted 3962 Sub Service Areas (SSAs) and 3371 wards and 98% has been completed till date.  The Bank has appointed 2455 Bank Mitras across the country.  An exclusive Toll free number 1800-425-11222 is set up in Kerala where the Bank is the SLBC Convener for grievance redressal. PMJDY

47. Page 47 www.canarabank.com Financial Inclusion (FI)  During the year, the Bank opened 254 branches in financial inclusion/ unbanked villages taking the total tally of FI branches to 790.  The Bank has also 479 Ultra Small Branches and engaged 2459 Business Correspondent Agents for financial inclusion activities.  Basic Savings Bank Deposits (BSBD) accounts increased to 1.13 crore, with an outstanding deposit balance of 1783 crore.  Exposure under Self-Help Groups (SHGs) increased to 2101 crore under 1 lakh SHG accounts.  Exposure under General Credit Cards increased to 1473 crore under 7.45 lakh accounts.  63 Financial Literacy Centres have been set up to provide financial education to the poor and the common man.  21 Micro Finance Branches in urban areas are operational to cater to the needs of the urban poor.  317 Farmers Clubs opened by the Bank during the current financial year.  Aadhaar enrolment taken up in 9 states and enrolled 34.35 lakh residents till September 2014.  Aadhaar seeding in CBS improved to 57.38 lakh as on September 2014. Holistic Approach to Financial Inclusion

48. Page 48 www.canarabank.com IMPORTANT CUSTOMER-FRIENDLY TECHNOLOGY INITIATIVES  Five MSME Consultancy Services Centres e stablished for providing consultancy services to MSME clientele.  Introduced a new credit scoring model for evaluating the eligibility of MSME entrepreneurs to avail finance from banks, first of its kind in the industry.  Launched a new dedicated website for MSME sector www.canaramsme.comwww.canaramsme.com  For online display and marketing of products and services of MSME entrepreneurs, Bank has launched online marketing portal www.canbankemart.com www.canbankemart.com  Branch Transformation initiatives implemented in 550 Shikhar Branches as part of the Bank’s BPR activities and optimization of processes implemented in 10 more Retail Assets Hubs.  Introduced Secured Credit Card with the option of EMV Global Variant. These Cards are targeted/ issued to customers against security of KDR/ FD.

49. Page 49 www.canarabank.com IMPORTANT CUSTOMER-FRIENDLY TECHNOLOGY INITIATIVES  Canara m-Wallet Mobile App released.  Canara easyCash Product released for cash transfer to migrant population.  Canara P-Serve (Touch Screen Kiosk Application) released.  Mobile Banking through National Unified USSD Platform (NUUP) made available.  Online SB Account Opening Portal for NRIs released.  Treasury Collection Module for Government of Kerala released.  Commercial Taxes Collection application for Gujarat implemented.  Export Data Processing and Monitoring System (EDPMS) Software for Treasury made live.  Sarva Shiksha Abhiyan Software (Fund Transfer from Central Government to School) for Andhra Pradesh completed.

50. Page 50 www.canarabank.com EXPANDED CLIENTELE BASE 6.02 Crore Strong Clientele Base Sep’13Mar’14Sep’14 Y-o-Y Increase % Y-o-Y Growth Clientele Base5165556028617 No. of Deposit A/cs4564895337717 No. of Borrowal A/cs 606669915 86 lakhs Clientele added Y-o-Y (In Lakhs)

51. Page 51 www.canarabank.com MAJOR AWARDS/ACCOLADES IN Q2FY15 The Bank conferred with the following awards during the quarter in recognition of the varied initiatives.  Golden Peacock Award for Corporate Governance by the Institutes of Directors, India.  Assocham Social Banking Excellence Award 2014 under Public Sector Banks category for excellent performance under Corporate Social Responsibility initiatives.  CEO with HR Orientation at the Asia Pacific HRM Congress 2014 instituted by World HRD Congress.  40 Most Talented HR Leaders at the Asia Pacific HRM Congress 2014 instituted by World HRD Congress.  I Prize under Indira Gandhi Rajbhasha Puraskar Yojana for effective implementation of Official Language in Region ‘C’.

52. Page 52 www.canarabank.com GOLDEN PEACOCK AWARD FOR CORPORATE GOVERNANCE The Award recieved by Shri V. S. Krishna Kumar, Executive Director, from Honourable Theresa May, M P, Secretary of State for the Home Department of U.K

53. Page 53 www.canarabank.com GOALS – MAR’15  Aims to reach an aggregate business figure of over ` 8 lakh crore.  Plans to take the number of branches to 6000+ and number of ATMs to 10000 by March 2015.  Bank is opening 3 more branches in UK and one branch each in Frankfurt (Germany), DFC –Dubai (UAE), Jeddah (Saudi Arabia), wholly owned Subsidiaries in Brazil and Tanzania and Representative Offices in Tokyo (Japan), Abuja (Nigeria), Jakarta (Indonesia) and Istanbul (Turkey).  Thrust on Retail Business- CASA, retail deposits, retail credit, recovery, fee income and asset quality.  Ongoing thrust on technology and business process reengineering.  Thrust on improving operational financial ratios, such as, NIM, RoA, RoE and Cost-to-Income.  Plans to have Gross NPA around 2% and Net NPA around 1.5%. PLAN S FY15

54. Page 54 www.canarabank.com