1. Page 1 www.canarabank.com PERFORMANCE HIGHLIGHTS SEPTEMBER 2011

2. Page 2 www.canarabank.com MAJOR HIGHLIGHTS Steady Growth…Consistent Performance Total Business at ` 530515 crore, up by 24.8% Return on Assets at 1.01% Capital Adequacy Ratio at 12.78% Tier I Capital Ratio at 9.15% Record Cash Recovery at over `800 crore 100% implementation of system driven NPA, irrespective of size or category 160 New Branches and 114 ATMs added 5 th Overseas branch opened at Manama, Bahrain Key Highlights

3. Page 3 www.canarabank.com MAJOR HIGHLIGHTS GLOBAL BUSINESS NET ADVANCES TOTAL DEPOSITS BUSINESS, DEPOSIT & CREDIT GROWTH CAGR at 23% CAGR at 22%

4. Page 4 www.canarabank.com Q2’ FY11 Q2’ FY12 Y-o-Y Growth % H1’ FY11 H1’ FY12 Y-o-Y Growth % Interest Income5546761537.3106731477138.4 Interest Expenditure3574565358.270071104057.6 Net Interest Income19721962--36663731-- Non-Interest Income53182855.9129913796.2 Operating Expenses108711859.0206622348.1 Operating Profit 1416160513.328992876-- Total Provisions40875384.6878129847.8 Net Profit 1008852--20211578-- PROFIT Amt. in ` Crore

5. Page 5 www.canarabank.com PROFIT Operating Profit Net Profit

6. Page 6 www.canarabank.com FY11FY12 Q2H1Q2’H1 Provisions for NPA206.65337.70476.76761.76 Standard Assets2.3030.07--50.00 Income Tax250.00500.00200.00400.00 Provision for Investments-42.5610.0966.3575.90 Others-8.50--10.00 Total Provisions 407.89877.86753.111297.66 PROVISIONS Amt. in ` Crore Higher Provision Made for NPA

7. Page 7 www.canarabank.com Q2H1 FY11FY12 Y-o-Y Growth % FY11FY12 Y-o-Y Growth % 1Interest on Advances4110582641.879031130843.1 2 Interest on Investments1386173024.82671333925.0 3Other Interest Income515914.79912424.4 4 Total Interest Income (1+2+3)5547761537.3106731477138.4 5Non-Interest Income53182855.9129913796.2 6Total Income 6077844338.9119721615034.9 INCOME Amt. in ` Crore Steady Growth in Income

8. Page 8 www.canarabank.com MAJOR COMPONENTS OF INCOME Interest Income continues to drive growth in income.. 70% of earnings from int on advances SEPTEMBER 2011 SEPTEMBER 2010

9. Page 9 www.canarabank.com FY11FY12 Q2H1Q2H1 Total Other Income53112998281379 Commission & Exchange174338204377 Profit from Exchange Transaction71146107203 Trading Profit222614972 Dividend Income40762082 Recovery in w/off A/cs66154135197 Other Misc. Income178359213448 OTHER INCOME Amt. in ` Crore Over 50% increase in Non-Interest Income Q-o-Q

10. Page 10 www.canarabank.com Q2’ FY11 Q2’ FY12 Y-o-Y Incr. (%) H1’ FY11 H1’ FY12 Y-o-Y Incr. (%) Interest Expenditure3574565358.270071104057.6 Operating Expenses108711859.0206622348.1 Staff Cost7277675.5138914353.3 Other Operating Expenses36041816.167780018.0 Total Expenses4661683846.790731327446.3 EXPENDITURE Amt. in ` Crore Operating Expenses well under Control

11. Page 11 www.canarabank.com Q2’ FY11 Q2’ FY12 H1’ FY11 H1’ FY12 Net Int. Income (` Crore)1972196236663731 NIM (%)3.282.643.162.51 ROAA (%)1.531.011.530.94 ROE (%)28.6619.7929.8318.78 EPS (`)24.5819.2449.3035.62 EARNINGS PROFILE Amt. in ` Crore NIM at 2.64% improved by 22 bps over June 2011 (2.42%)

12. Page 12 www.canarabank.com BOOK VALUE Increase in Book Value on Enlarged Capital (In ` )

13. Page 13 www.canarabank.com TREND IN COST AND YIELD (%) Sep’10Dec’10Mar’11Jun’11Sep’11 Cost of Deposits 5.695.665.807.057.13 Cost of Funds 5.305.265.376.506.55 Yield on Advances 9.619.679.7410.5010.72 Yield on Funds 8.12 8.138.668.76 Yield on Investments 7.617.687.727.867.89 Amt. in ` Crore

14. Page 14 www.canarabank.com SHAREHOLDING PATTERN As on Sept. 30, 2011

15. Page 15 www.canarabank.com BUSINESS PROFILE Sep’10Mar’11Sep’11 Y-o-Y Growth (%) Global Business 42525850644053051524.8 Total Deposits 24918729397331257725.4 Net Advances 17607121246721793823.8 CD Ratio (%) 70.6672.2769.7-- Over ` 1 Lakh Crore Business Added Robust Y-o-Y Business Growth Amt. in ` Crore

16. Page 16 www.canarabank.com COMPOSITION OF DEPOSITS Sep’10Mar’11Sep’11 Y-o-Y Growth (%) Total Deposits 24918729397331257725.4 Savings Deposits 54339586176404317.9 CASA Deposits 72001831178077512.2 Term Deposits 17718521085623180230.8 CASA Share in Domestic Deposits at 26.7% and Share of SB at 21.2% Amt. in ` Crore

17. Page 17 www.canarabank.com CREDIT Sep’10Mar’11Sep’11 Y-o-Y Growth(%) Priority Sector Credit 60658707577545424.4 Agriculture Credit23883296563279637.3 MSME Advances 32801376843977021.2 Retail Lending20334252592510223.4 Housing11669152191583735.7 Infrastructure Advances27204347023715336.6 Industrial Advances9432111828111922226.4 Amt. in ` Crore Against SCBs growth at 21.4%, the Bank’s Domestic Advances grew by 27.3% Well Diversified Credit Portfolio

18. Page 18 www.canarabank.com PIONEERS IN EDUCATION LOAN Education Loans grew by 18.32 % y.o.y Outstanding Education Loans at ` 3856 crore The portfolio covers over 1.98 lakh students On-line Education Loan application in web portal NUMBER 1 AMONGST NATIONALIZED BANKS IN OUTSTANDING EDUCATION LOANS

19. Page 19 www.canarabank.com FINANCIAL INCLUSION 125 Rural Branches opened so far to implement Financial Inclusion Programme, covering 12 States. Mobilized over 9.70 lakhs No-frill Accounts during H1 FY12 Cumulative No-frill Accounts 37.51 lakhs (` 648 Cr) Issued over 3.50 lakhs General Credit Cards ( ` 359 Cr) 19 Exclusive Micro-Finance Branches to help Urban Poor Cumulative SHG Tally up at 3.52 Lakhs..Credit Linked 3.37 Lakhs Total Exposure under SHG (` 1118 cr) spread over 88810 SHGs 11 Financial Literacy and Credit Counseling Centres (FLCCs) in Kerala, Tamil Nadu, Karnataka and Bihar. ‘Canara Financial Advisory Trust’ to manage FLCCs Holistic Approach to Financial Inclusion

20. Page 20 www.canarabank.com PRODUCTIVITY RATIOS Sep’10Sep’11 Business per Employee (` crore) 10.6012.98 Business per Branch (` crore)138.70154.35 Gross Profit per Employee (` Lakh) 14.4414.08 Net Profit per Employee (` Lakh)10.077.72 Healthy Growth Under Productivity

21. Page 21 www.canarabank.com INVESTMENTS Sep’10Sep’11 Net Investments (Domestic) 7665898567 Held to Maturity6113669458 Available for Sale 1516728708 Held for Trading355402 SLR Portfolio to NDTL (%)26.6727.98 Amt. in ` Crore

22. Page 22 www.canarabank.com DURATION OF INVESTMENT PORTFOLIO Sep’10Sep’11 Duration of AFS Book 4.053.05 Duration of HTM Book 6.195.78 Duration of Total Investment Book 5.815.12 Duration of AFS book and Total Investment book Sep’10Sep’11 Modified duration of AFS Book 3.852.90 Modified duration of HTM Book 5.955.55 Modified duration of Total Investment Book 5.584.90

23. Page 23 www.canarabank.com ASSET QUALITY Sep’10Mar’11June’11Sep’11 Gross NPA (` Crore) 2636308936063793 Gross NPA Ratio (%)1.491.451.671.73 Net NPA (` Crore) 1860234728713117 Net NPA Ratio (%)1.061.111.341.43 Cash Recovery (` Crore)74220327501558 Record Cash Recovery of over ` 800 crore during Q2 FY12 Amt. in ` Crore

24. Page 24 www.canarabank.com MOVEMENT OF NPA March’11June’11Sep’11 Opening Balance 259030893606 Fresh Slippages (+) 350813731236 Upgradation (-) 889224161 Cash Recovery (-) 1625402480 Write-off (-) 495230408 Closing Balance 308936063793 Total Cash Recovery of ` 808 crore comprises ` 480 cr in NPA prior to June 2011, unapplied int. of ` 217 cr, ` 109 cr from Q2 slippages and ` 2 cr from written-off accounts Amt. in ` Crore

25. Page 25 www.canarabank.com SECTORAL NPA March’11June’11Sep’11 Micro & Small Enterprises 55511491318 Agriculture 663835826 Other Priority Segments 474463400 Medium Enterprises 135182118 Large Industries 300583522 Non-Priority Segments 962394609 Total 308936063793 Amt. in ` Crore

26. Page 26 www.canarabank.com COMPOSITION GROSS NPA March’11June’11Sep’11 Substandard Assets 1586 (51.3%) 2053 (56.9%) 2393 (63.1%) Doubtful Assets 1477 (47.8%) 1527 (42.4%) 1371 (36.1%) Loss Assets 26 (0.9%) 26 (0.7%) 29 (0.8%) Total NPA 3089 (100%) 3606 (100%) 3793 (100%) Amt. in ` Crore Figures in brackets denote percentage to total

27. Page 27 www.canarabank.com AMOUNT RESTRUCTURED DURING Q2 FY12 No. of AccountsAmount Agriculture630.55 MSME851.78 Housing160.95 Large Advances317.50 Others700.39 Total23721.17 Amt. in ` Crore Slippages during Q2 at ` 115 crore

28. Page 28 www.canarabank.com OUTSTANDING RESTRUCTURED ADVANCES AS AT SEP 2011 No. of AccountsAmount Agriculture41185607 MSME5009769 Housing11110530 Large Advances27255198 Others371941415 Total972238519 Amt. in ` Crore Total Slippages at ` 799 crore

29. Page 29 www.canarabank.com CAPITAL ADEQUACY Comfortable Capital Position By reckoning profit for H1, the CRAR works out to 13.54%, (Tier I 9.91%) CRAR of 12.78% at Sept’11 Tier I ratio at 9.15% Tier II ratio at 3.63% Govt. holding -67.72% Paid-up Capital - ` 443 crore Strong Capital Adequacy, with sufficient headroom for raising further capital

30. Page 30 www.canarabank.com CAPITAL ADEQUACY – BASEL II 13.37% Total CRAR % 13.88%13.02% 15.38% 12.78% 9.0% Minimum Total CRAR 6.0% Minimum Tier I CRAR

31. Page 31 www.canarabank.com EXPANDING THE REACH New Branches and ATMs Opened During the Year Branch Network Expanded by 371 and ATMs by 606 Addition of 181 branches and 407 ATMs during H1 FY12 5 th Overseas Branch opened at Manama Sept’10Sept’11Y-o-Y Incr Branch Network30663437371 ATM Strength20172623606 Card Base (In Lakh)52.0065.9813.98

32. Page 32 www.canarabank.com EXPANDED CLIENTELE BASE 4.04 Crore Strong Clientele Base Sept’10Mar’11Sept’11 Increase Over Mar’11 Clientele Base374.6386.9403.917 No. of Deposit A/Cs333.3342.0358.016 No. of Borrowal A/Cs41.344.945.91 17 lakhs Clientele Added During the Half Year (In Lakhs)

33. Page 33 www.canarabank.com INFOTECH PROGRESS All Branches Covered Under Core Banking Solution Net & Mobile Banking RTGS and NEFT

34. Page 34 www.canarabank.com GOALS FOR FY12 Aiming at a Total Business Growth of 20% More than 300 branches during FY12 Taking the ATM strength to 3000. Thrust on business process reengineering and further enhance productivity in the CBS environment Focus on growing Retail Business- Retail Deposits, Retail Advances and Recovery Plans to open Branches at QFC-Qatar and South Africa FUTURE PLANS

35. Page 35 www.canarabank.com