1. Page 1 www.canarabank.com PERFORMANCE HIGHLIGHTS DECEMBER 2013

2. Page 2 www.canarabank.com HIGHLIGHTS – Dec’2013 Major Highlights Operating Profit for 9 months at `4914 Crore, up by 17.2% y-o-y. Net profit for 9 months at `1827 Crore Total provision made for the quarter was at ` 1182 crore compared to ` 799 crore for Q2FY14 and ` 1106 crore for Q1FY14. The provision for NPAs during the quarter was `543 crore and provisions made for depreciation on investments was ` 157 crore. Total income for Q3FY14 rose to `10935 crore, with a y-o- y growth of 16.4%. Gross NPA Ratio at 2.79% compared to 2.77% as at Dec’12, despite spike in stressed assets at the industry level. Upgradation was of `2061 crore in 9 months of this year compared to `779 crore same period last year. Record Cash Recovery at `3135 crore compared to `2477 crore as at Dec’12.

3. Page 3 www.canarabank.com HIGHLIGHTS – Q3 FY14 Major Highlights Recovery from technically written off accounts plus bad debts at `351 crore compared 185 crore last year. Net Interest Income increased to `6409 crore, with a y-o-y growth of 10.7%. Non-Interest Income at `2863 crore, up by 33.4% y-o-y. Ratio of E-transactions increased to 44% compared to 22% as at Dec’12. Total Deposits at `4.09 lakh crore, up by 26.2% y-o-y. Advances (net) at `2.88 lakh crore, up by 31.8% y-o-y. Continued robust y-o-y credit growth. Priority Credit- 33%, Agriculture-29%, MSME- 46%, MSE- 50%, Retail Lending- 55%, Housing Loans- 71%, Vehicle Loans- 58% and other personal loans-50%. 876 New Branches and 1262 ATMs added y-o-y and 829 branches and 1017 ATMs added during the year. The Bank has declared an interim dividend of 65%.

4. Page 4 www.canarabank.com PERFORMANCE HIGHLIGHTS- BUSINESS Parameters DEC’12MAR’13JUNE’13SEP’13Dec’13 SEQ (%) y.o.y Growth (%) Deposits 323963 355856381972391613408924 4.426.2 Advances 218242 242177249891281104287700 2.331.8 Investments 118835 121133136063119481130359 9.19.7 Business 542206 598033631863672717696624 3.628.5 C-D Ratio 67.37 68.0565.4271.7870.36 Amt. in ` Crore Note : SEQ- Sequential Quarter – Q3FY14 over Q2FY14

5. Page 5 www.canarabank.com PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS Parameters DEC’12MAR’ 13DEC’ 13 y.o.y Growth (%) USD Mn ` Crs USD Mn ` Crs USD Mn ` Crs Deposits 18641151922251374934452129484.9 Advances 23881475624331503729921849325.3 Gross Income 8854411369813784755.7 Gross Expenditure 654028049410564961.4 Gross Profit 23142332043219839.4 Overseas Business constitute 6% of the Total Business

6. Page 6 www.canarabank.com PERFORMANCE HIGHLIGHTS- PROFITABILITY-Q3 FY14 Parameters Q3 FY13Mar’13Q2 FY14Q3FY14 SEQ (%) y.o.y Growth (%) Total Income 93903723110427109354.916.5 Total Expenses 78743134190039344 3.818.7 Operating Profit 1516589014251591 11.64.9 Net Profit 7112872626409 -- NIM (%) 2.362.402.222.21-- Amt. in ` Crore

7. Page 7 www.canarabank.com PERFORMANCE HIGHLIGHTS- PROFITABILITY-9M FY14 Parameters 9M FY13Mar’139M FY14 y.o.y Growth (%) Total Income 27759372313187114.8 Total Expenses 235673134126957 14.4 Operating Profit 419258904914 17.2 Net Profit 214728721827 -- NIM (%) 2.362.402.21 Amt. in ` Crore

8. Page 8 www.canarabank.com PERFORMANCE HIGHLIGHTS- PRODUCTIVITY RATIOS Parameters DEC’12MAR’13DEC’13 Business Per Employee (` Crore) 12.7014.2014.34 Business Per Branch (` Crore)147.30160.40152.87 Gross Profit Per Employee (` Lakh) 14.4814.2813.85 Net Profit per Employee (` Lakh)6.836.965.15

9. Page 9 www.canarabank.com PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH Dec’12Mar’13Dec’13Y-o-Y in cr Branch Network368137284557876 ATM Strength3281352645431262 Debit Card (In Lakh)84.195.52133.2149.11 4552 domestic Branches 5 overseas branches at London, Leicester, Shanghai, Manama & Hong Kong Rural 136329.94% Semi-Urban 142931.39% Urban 89019.55% Metro 87019.11%

10. Page 10 www.canarabank.com BUSINESS SEGMENTS

11. Page 11 www.canarabank.com SEGMENT WISE DEPOSITS Parameters DEC’12MAR’13JUN’13SEP’13DEC’13 SEQ (%) y.o.y Growth (%) Total Deposits 323963 355856381972391613408924 4.426.2 Current 1247314893143741520814793 -2.718.6 Saving 6868971168739388007079671 -0.516.0 CASA 8116186061883129527894465 -0.916.4 CASA (%)Dom 25.9%25.1%24.2%25.6%24.3% -- Term Deposits 242802269795293659296335314460 6.129.5 - High Cost Deposits 7518453223362543311132814 -0.9-56.4 Amt. in ` Crore

12. Page 12 www.canarabank.com ROBUST GROWTH IN ADVANCES SEGMENTS Credit SegmentsDEC’12Mar’13DEC’13 Priority Sector9%17% 33% Agriculture27%28% 29% MSME-16%6% 46% MSE-7%11% 50% Retail-15%-7% 55% Housing-26%-17% 71% Vehicle14%17% 58% Other Personal Loans-4.1613% 50%

13. Page 13 www.canarabank.com LOANS & ADVANCES SEGMENT Parameters DEC’12MAR’13JUN’13SEP’13DEC’13 SEQ(% ) y.o.y Growth (%) Advances (Net) 218242242177249891281104287700 2.331.8 Total Priority 6970078998830858828093018 5.433.5 Agriculture 3536540786432924404245703 3.829.2 - Direct Agriculture 3280237984 4019539995417874.527.4 - Indirect Agriculture 25632802 309740473916-3.252.8 Other Priority 1107811804121001260312848 1.916.0 MSME 3260337017371734346447678 9.746.2 MSE 2325726612278733177334773 9.449.5 Retail Credit 2125923084252313027432847 8.554.5 Amt. in ` Crore

14. Page 14 www.canarabank.com ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Achieved the mandated targets in respect of Total priority credit (40.46% against 40% norm) Agriculture (19.88% against 18% norm) Direct agriculture ( 18.18% against 13.5% norm) Credit to specified minority communities (17.54% against 15% norm) Weaker Section (12.39% against 10% norm) M&SE (50% y.o.y growth against 20% norm) Number of Micro Enterprises accounts (92.7% growth against 10% norm) Mandated Targets under Priority Sector

15. Page 15 www.canarabank.com Performance of Retail Advances Type of Advance DEC’12MAR’13JUN’13SEP’13DEC’13 SEQ(% ) y.o.y Growth (%) Housing loan1170113134144061839220042 9.071.3 Vehicle loan17691913209223442791 19.157.8 Other Pers Loan34823694431748675223 7.350.0 Education loan43074343441646714791 2.611.2 Grand total2125923084252313027432847 8.554.5 Amt. in ` Crore

16. Page 16 www.canarabank.com EXPOSURE - INFRASTRUCTURE Parameters DEC’12MAR’13SEPT’13DEC’13 % Share Total Adv SEQ(% ) y.o.y Growth (%) Roads 5594572652716529 2.323.916.7 Ports 6356195971112 0.486.375.1 Airports 1479150713551380 0.51.8-6.7 Power (Generation, Transmission & Distribution) 30450320763870738414 13.4-0.826.2 Telecom 6162651269607190 2.53.316.7 Other Infrastructure 2106208634312849 1.0-17.035.3 Total Infrastructure 46426485255632257474 20.02.023.8 Amt. in ` Crore

17. Page 17 www.canarabank.com Parameters DEC’12MAR’13SEPT’13DEC’13 % Share Total Adv SEQ(%) y.o.y Growth (%) -Power Generation 12134142341875419334 6.73.159.3 -Power Transmission 1113128021712286 0.85.3105.4 -Power Distribution 17203165621778216794 5.8-5.6-2.4 Total Power 30450320763870738414 13.4-0.826.2 Of which SEBs 18719214542831723927 8.3-15.527.8 Amt. in ` Crore EXPOSURE - POWER SECTOR & AVIATION Exposure to Aviation 14791907186218330.6-1.623.9

18. Page 18 www.canarabank.com EXPOSURE TO CAPITAL MARKET Parameters DEC’12MAR’13SEPT’13DEC’13SEQ(%) y.o.y Growth (%) Outstanding 25922330 229623120.69-10.80 EXPOSURE TO NBFCs HFCs 4727692510963114334.28141.8 Private 77251110214433147402.1290.8 Public 5118539852965119-3.34- Total 175702342630692312931.9678.1 EXPOSURE TO COMMERCIAL REAL ESTATE Outstanding 167516182825317612.4289.61 Amt. in ` Crore EXPOSURE TO SENSITIVE SECTORS

19. Page 19 www.canarabank.com FINANCIALS

20. Page 20 www.canarabank.com PROFITABILITY- Q3 FY14 Parameters Q3 FY13Mar’13Q1FY14Q2 FY14Q3 FY14 SEQ (%) y.o.y Growt h (%) Total Income 9390372311050810427109354.916.5 Total Expenses 7874313418610900393443.818.7 Operating Profit 1516589018981425159111.64.9 Provisions 80630181106799118247.946.7 Net Profit 7112872792626409-- Net Int. Income 198878791991219122271.612.0 Non Int. Income 8463153123877385110.20.7 Amt. in ` Crore

21. Page 21 www.canarabank.com PROFITABILITY – 9 M FY14 Parameters 9M FY13Mar’139M FY14 y.o.y Growth (%) Total Income 277593723131871 14.8 Total Expenses 235673134126957 14.4 Operating Profit 419258904914 17.2 Provisions 204630183087 50.9 Net Profit 214728721827 -- Net Int. Income 578878796409 10.7 Non Int. Income 214631532863 33.4 Amt. in ` Crore

22. Page 22 www.canarabank.com BREAK-UP : INCOME – Q3 FY14 Parameters Q3 FY13Mar’13 Q1 FY14 Q2 FY14Q3 FY14SEQ (%) y.o.y Growth (%) Interest on Advances 5958243806450696473605.723.5 Interest on Investments 24609112248225972575-0.84.7 Other Interest Income 1275863389314960.217.1 Total Interest Income 85443407892709654100844.418.0 Non – Interest Income 8463153123877385110.10.7 Total Income 9390372311050810427109354.916.4 Amt. in ` Crore

23. Page 23 www.canarabank.com BREAK-UP : INCOME – 9M FY14 Parameters 9M FY13Mar’139M FY14 y.o.y Growth (%) Interest on Advances 18307243802077413.5 Interest on Investments 68069112765312.4 Other Interest Income 50058658016.1 Total Interest Income 25613340782900813.3 Non - Interest Income 21463153286333.4 Total Income 27759372313187114.8 Amt. in ` Crore

24. Page 24 www.canarabank.com BREAK-UP : EXPENDITURE – Q3 FY14 Parameters Q3 FY13Mar’13Q1 FY14Q2 FY14Q3 FY14SEQ (%) y.o.y Growth (%) Interest Expenses 6556261997278746378575.319.8 Interest on Deposits 6307252506948692373115.615.9 Staff Expenses 8313254887933873-6.45.1 Other Op Exp 48618884446066141.326.3 Total Op Exp 13175142133115391488-3.412.9 Total Expenses 7874313418610900393443.818.7 Amt. in ` Crore

25. Page 25 www.canarabank.com BREAK-UP : EXPENDITURE – 9M FY14 Parameters 9M FY13Mar’139M FY14 y.o.y Growth (%) Interest Expenses 19825261992259914.0 Interest on Deposits 19115252502118110.8 Staff Expenses 23653254269313.9 Other Op Exp 13771888166520.9 Total Op Exp 37435142435816.4 Total Expenses 23567313412695714.4 Amt. in ` Crore

26. Page 26 www.canarabank.com BREAK-UP: NON-INTEREST INCOME Parameters 9M FY13Mar’139M FY14 y.o.y Growth (%) Non Int. Income 214631532863 33.4 Of which Com & Exchange595798656 10.3 -Govt. Business567248 -14.3 -Bancassurance284326 -7.1 Profit from Exch. Transactions329464444 35.0 Trading Profit423661589 39.2 Rent – Lockers565965 16.1 Dividend Income385751 34.2 Recovery in W/Off A/cs167301314 88.0 Service Charges & Oth. Msc Inc538813744 38.3 Amt. in ` Crore

27. Page 27 www.canarabank.com BREAK-UP : PROVISIONS- Q3FY14 Provisions for Q3 FY13Q4 FY13Q1 FY14Q2 FY14Q3 FY14 NPAs 594346443347543 Restructured Assets /Diminution in Fair value 45156193(55)25 Standard Assets 100919018393 Provisions on Investments (129)848885157 Tax 180220190125130 Others 1776102114233 Total Provision &Contingency 80697211067991182 Amt. in ` Crore

28. Page 28 www.canarabank.com BREAK-UP : PROVISIONS – 9M FY14 Provisions for 9M FY13Mar’139M FY14 NPAs 151518611333 Restructured Assets /Diminution in Fair value 206361163 Standard Assets 165256366 Provisions on Investments (455)(371)330 Tax 580800445 Others 35111449 Total Provision &Contingency 204630183087 Amt. in ` Crore

29. Page 29 www.canarabank.com EARNINGS PROFILE In % Parameters Q3FY13Q4FY13Q1FY14Q2FY14Q3FY14 NIM 2.362.402.212.222.21 ROAA0.820.770.750.580.37 EPS (`) (not Annualized)16.0416.3717.8814.139.24 Book Value (`)486.55490.56509.48524.94518.61 ROE (Annualized)14.0414.0314.2112.5110.81 Cost-Income Ratio (Cumulative)47.1746.6141.2246.3447.0

30. Page 30 www.canarabank.com TREND IN COST AND YIELD (%) Dec’12Mar’13Jun’13Sep’13Dec’13 Cost of Deposits 7.817.727.547.507.48 Cost of Funds 7.036.966.916.866.82 Yield on Advances 11.1211.1310.7410.6310.55 Yield on Funds 9.099.058.808.818.75 Yield on Investments 8.138.128.007.99 In %

31. Page 31 www.canarabank.com Investment classification Parameters DEC’12 % Share in Total Portfolio MAR’13DEC’13 % Share in Total Portfolio SLR 10273887102003112003 86 Non SLR 15661131870018279 14 Total (Domestic) 118399100120703130282 100 Held For Trading 12501.741720 1 Available For Sale 42041364710538704 30 Held To Maturity 74967637269990105 69 M.DURATION 4.81 yrs--4.73 yrs4.65 yrs-- Total (Global) 118835--121133130359-- Amt. in ` Crore

32. Page 32 www.canarabank.com ASSET QUALITY

33. Page 33 www.canarabank.com ASSET QUALITY Dec’12Mar’13June’13Sep’13Dec’13 Gross NPA60906260732974758074 Gross NPA Ratio (%) 2.772.572.912.642.79 Net NPA51345278620964596870 Net NPA Ratio (%) 2.352.182.482.302.39 Cash Recovery (cumulative) 2477400688819233135 Cash Recovery of ` 1212 crore during the Quarter Amt. in ` Crore

34. Page 34 www.canarabank.com GROSS NPA MOVEMENT- Quarterly Parameters Dec’12 MAR’13JUN’13SEPT’13DEC’13 Gross NPAs: Opening Balance 56106090626073297475 Additions: Fresh Slippages 13141086268815202100 Sub Total 69247176894888499575 Less: Reduction (a+b+c+d) 834916162013741501 a. Recovery for Movement (excluding recovery in Written-off a/cs, recovery in Current Year slippage & Unapplied interest) 148459339505406 b. Upgradation 63731020386655 c. ECGC Settled/Int Sus. 6(-)12-(-)51 d. Write off (Including Additional Prudential Write-off) 617396260488439 Gross NPA-Closing Balance 60906260732974758074 Amt. in ` Crore

35. Page 35 www.canarabank.com NPA COMPOSITION Parameters Dec’12MAR’13JUN’13SEPT’13DEC’13 Gross Advances 219820243936251970283024289833 Sub-Standard 41894279517847705211 Doubtful 18501932212527052863 Loss 515026nilNil Provision Coverage Ratio (%) 61.5061.3558.1857.7757.39 Amt. in ` Crore

36. Page 36 www.canarabank.com SECTOR Q3 FY13 Q4 FY13 Q1 FY14 Q2 FY14 Q3 FY14 % of Slippage Micro & Small Ent.4052831210278 288 14 Agriculture(33)183598265196243 12 Other Priority Sector(52)104440184116125 6 Total Priority Sector 3205702248727590656 31 Medium Industries11766318485891 4 Large Industries24818513041425700544 26 Other Non-Priority 6221991609382152809 39 Total Non-Priority 987450323118559101444 69 Total (Domestic) 130710195479258215002100 Overseas 76034010620- Total (Global) 131410795819268815202100 SECTOR-WISE NPA SLIPPAGES Amt. in ` Crore

37. Page 37 www.canarabank.com SECTOR- WISE NPA OUTSTANDING SECTOR Dec’12Mar’13Jun’13Sep’13Dec’13 Micro & Small Enterprises 15921532144016251488 Agriculture976885100010181016 Other Priority Segments503371460368341 Medium Enterprises340345324402379 Large Industries16111521214131463420 Other Non-Priority Segments1068160619649161430 Total60906260732974758074 Amt. in ` Crore

38. Page 38 www.canarabank.com Particulars Dec’12Mar’13Jun’13Sep’13Dec’13 Gross Advances 219820243936251970283024289833 Gross NPA 60906260732974758074 Gross NPA % 2.772.572.912.642.79 Priority Sector Advances 6970078998830858828093018 PS as % to Gross Advances 31.732.433.031.2 32.1 Total PS NPA 30712788290030112845 Total PS NPA% 4.413.533.53.4 3.1 Share of PS NPA to Gross NPA 50.444.539.640.3 35.23 Agriculture NPA 977885100010181016 Agriculture NPA% 2.762.172.31 2.22 MSE NPA 1592153214401625 1488 MSE NPA % 6.845.805.205.114.28 Other Priority NPA 503371460368 341 Other Priority NPA % 4.543.143.802.921.92 SECTORAL CONTRIBUTION OF NPA Amt. in ` Crore

39. Page 39 www.canarabank.com RESTRUCTURED ASSETS Amt. in ` Crore Standard RestructuredTotal Restructured Of Which Standard NPAs A/CAmtA/CAmtA/CAmt A/C Restructured in FY 2009-10 181513121127827688485 A/C Restructured in FY 2010-11 120416663645452 A/C Restructured in FY 2011-12 1746398614623518284468 A/C Restructured in FY 2012-13 384511030362710184218845 Total cumulative outstanding Liability as at 31.03.2013 2018018113130811590170992212 A/C Restructured in Q1 FY2013- 14 134168312513659318 A/C Restructured in Q2 FY2013- 14 347599934169735926 A/C Restructured in Q3 FY2013- 14 30863454303234025452 Total cumulative outstanding Liability as at 31.12.2013 29727217281795618450117713278

40. Page 40 www.canarabank.com RESTRUCTURED ASSETS SR. NO DETAILS OF RESTRUCTURED ACCOUNTS No. of A/Cs Amount 1 Cr. & Above No. of Accounts Amount 1 Total Restructured Assets as on 31.12.2013 297272172874620075 2 Out of Which increase in Q3 FY14 30863454573369 3 % of Restructured Advances/Portfolio to Total Loans & Advances (as on 31.12.2013) -- 7.46 (%)-- 4 -Of which Slippage into NPA -(% of Restructured Accounts) -- 15.09 (%) -- Amt. in ` Crore

41. Page 41 www.canarabank.com RESTRUCTURED ASSETS UNDER CDR POSITION AS ONA/CAmount DEC-2012 737570 MARCH-2013 789104 SEPT-2013 9112932 DEC-2013 9412185 Amt. in ` Crore

42. Page 42 www.canarabank.com SECTOR – WISE O/S RESTRUCTURED ACCOUNTS SECTOR No. of AccountsAmount Power608193 Roads24741 Ports2123 Mining3932 Aviation51047 Telecommunication 22315 Other services92031849 Iron & steel1502491 Other industries6551204 Textile6052109 Amt. in ` Crore

43. Page 43 www.canarabank.com SECTOR No. of AccountsAmount Engineering 383674 Real Estate 212 Pharmaceuticals 38212 Cement 2662 Hardware 23125 Shipping 1540 Edible Oil 85 Agriculture 9853438 Education 349983 Housing 4870243 Chemicals 3945 Construction & Others 1871698 TOTAL2972721728 SECTOR – WISE RESTRUCTURED ACCOUNTS Contd… Amt. in ` Crore

44. Page 44 www.canarabank.com AMOUNT RESTRUCTURED DURING Q3 FY14 No. of AccountsAmount Agriculture 72323 MSME 71315 Housing 121443 Large Advances 43921 Others 3932452 Total 30863454 Amt. in ` Crore

45. Page 45 www.canarabank.com SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT DECEMBER 2013 No. of AccountsAmount Agriculture9883426 MSME9531604 Housing8369326 Large Advances59411424 Others13508948 Total2972721728 Amt. in ` Crore

46. Page 46 www.canarabank.com CAPITAL ADEQUACY – NEW BASEL III NORMS Capital Adequacy Ratio CRAR of 9.83% at DEC 2013 Vs. 9% norm CET ratio at 7.13% Vs. 5% norm Tier I ratio at 7.48% Vs. 6.5% norm Tier II ratio at 2.35% Govt. holding at 69% Paid-up Capital at `461.26 crore Reckoning 9 M profits, CRAR works out to 10.42% Sufficient headroom available for raising further capital. ` 500 crore capital infused by Govt. of India by way of preferential allotment on 31.12.2013

47. Page 47 www.canarabank.com CAPITAL ADEQUACY – BASEL III BASEL II BASEL III ParticularsMar'13 JUN’13SEPT’13DEC-13 Risk-weighted Assets 243348 260699273066302533 Tier I Capital23776232602327322609 Tier I Ratio% 9.77% CET: 8.51% AT I: 0.41% Tier I: 8.92% CET: 8.13 % AT I: 0.39% Tier I:8.52 % CET: 7.13 % AT I: 0.35% Tier I:7.48% Tier II Capital6388 576257247097 Tier II Ratio%2.63%2.212.102.35 Total Capital30164290222899729706 CRAR%12.40%11.13%10.62%9.83% Amt. in ` Crore

48. Page 48 www.canarabank.com SHAREHOLDING PATTERN As on DEC 31, 2013 Govt.69 FIIs10.33 Insurance Companies 6.84 Residents Individuals 5.06 Banks0.97 Others7.8

49. Page 49 www.canarabank.com FINANCIAL INCLUSION Holistic Approach to Financial Inclusion  Under more than 2000 population category, the Bank has covered all the allotted 1624 villages in 24 states. Under less than 2000 population category, the Bank has covered 1544 villages out of the allotted 3794 villages.  Out of the total 466 branches opened in unbanked villages, 191 of them are opened in this financial year, garnering a total business of `200 crore.  Of the 542 USBs opened in more than 2000 population category, 25 have been upgraded to branches.  Basic Savings Bank (BSB) accounts increased to 81.43 lakh, with outstanding deposit balance of `1431 crore. In built OD facility provided to 2.49 lakh BSB a/c holders to the extent of around `97 crore.  Exposure under Self-Help Groups (SHGs) is `1406 crore under 81,322 SHG a/cs.

50. Page 50 www.canarabank.com FINANCIAL INCLUSION Holistic Approach to Financial Inclusion  Exposure under General Credit Cards is `804 crore under 3.76 lakh accounts.  60 Financial Literacy Centres, 460 Farmers Clubs and 20 Micro Finance Branches operational as at December 2013.  A new Scheme “Canara Gramodaya” launched for holistic development of select 60 villages and 3 slums adopted by the Bank for this year. The Scheme aims at bringing socio, cultural and economic change through credit and non-credit support.  In the 121 DBT Districts, the Bank’s branches received details of 122322 beneficiaries from District Administration and opened 122322 accounts (100%). Aadhaar seeding has been done in 95162 accounts (99.98%), out of the 95181 beneficiaries’ details received.  Lead District Waynad reached 89% Aadhaar seeding under DBTL and is No. 1 District among 20 Districts in Phase 1.

51. Page 51 www.canarabank.com NEW PRODUCTS/PROCESSES  Canara Club Cards and EMV Cards.  Facility of hot listing of Debit Card through Net Banking.  Cash Withdrawal in ATMs by two Joint Holders of account operated jointly.  Mobile Banking registration through Net Banking and Mobile Banking activation through ATM.  Increased the Fund transfer limit per day per Net Banking Corporate Customer from Rs.50 lakh to Rs.1 Crore.  Central Processing Centres (CPC) enabled for Net Banking Retail User creation and Mobile Banking registration.  Request for cheque book through ATM, Net Banking & Mobile Banking. New Products /Scheme s

52. Page 52 www.canarabank.com NEW PRODUCTS/PROCESSES  Fund Transfer through IMPS using MPIN and beneficiary mobile number (or) Using IFSC Code and beneficiary Account Number under Net Banking.  CANSECURE made optional to Retail Banking Customers.  Facility of registration and verification of Aadhaar number has been provided to customers through 5 channels, viz., SMS, Mobile Banking, Internet Banking, Call Centre and Website.  Customer Service Centres (CSC) for financial inclusion services through Kiosk facility implemented in Akshaya Centres in Kerala.  Call Centre services extended to 24x7.  Cheque Truncation System implemented in 12 Centres of Western Grid.  Next generation RTGS implemented.  Biometric authentication for login to CBS system by staff implemented in more than 1000 branches. New Products /Scheme s

53. Page 53 www.canarabank.com EXPANDED CLIENTELE BASE 5.39 Crore Strong Clientele Base DEC’12Mar’13DEC’13 Y-o-Y Increase Clientele Base455.19470.44538.7283.53 No. of Deposit A/Cs404.61417.22475.9371.32 No. of Borrowal A/Cs50.5853.2262.7912.20 83.53 lakhs Clientele added Y-o-Y (In Lakhs)

54. Page 54 www.canarabank.com MAJOR EVENTS Celebrating 108 th Founder’s Day on 19 th Nov 2013 by dedicating 108 branches and 108 ATMs to the nation, inaugurated by Hon’ble Chief Minister of Karnataka, Shri Siddaramaiah in the presence of Shri K.H. Muniyappa, Hon'ble Union Minister of State (MSME-Independent Charge)

55. Page 55 www.canarabank.com AWARDS/ACCOLADES Golden Peacock Award for excellence in Corporate Social Responsibility for the year 2013. Skoch Renaissance Award with a Medal and Citation for being India's Best-2013. Green Tech Award for excellence in CSR for the year 2013. ‘Jury Award for New Initiatives under MSME’ instituted by Chamber of Indian MSME under Banking Excellence Awards 2013. Best Bank Award for implementation of Rural Self Employment Training Institutes for the second consecutive year by the Ministry of Rural Development, Govt. of India. Award under Category l & Category II for two of its exclusive RSETIs at Hassan (Karnataka) and Tiruppur (TN) as best performing RSETIs. 5 of the 27 RUDSETIs co-sponsored by the Bank awarded as best performing RUDSETIs. ‘Top Performer in New Demat Accounts Opened’ in banking sector by National Securities Depository Ltd., (NSDL) for the year 2013.

56. Page 56 www.canarabank.com GOALS FOR FUTURE Aims to reach an aggregate business figure of more than ` 7 lakh crore, with deposit growth of 17%+ and advances growth of 21%+. To take the number of branches to 5500 plus and number of ATMs to 10000 by March 2015. Open 4 branches at Johannesburg (South Africa, License already received), Dar-es-Salaam (Tanzania), Frankfurt (Germany), DIFC (Dubai) in coming six months and remaining 10 branches at New York (USA), Sao Paulo (Brazil), Tokyo (Japan), Abuja (Nigeria), Jeddah (Saudi Arabia), Qatar Financial Centre (Qatar), Sydney (Australia), Ontario (Canada), Wellington (New Zealand) and Singapore by March 2015. PLAN S

57. Page 57 www.canarabank.com GOALS FOR FUTURE Thrust on Retail Business- CASA, recovery, fee income, retail credit. Technology and business process reengineering. Thrust on improving operational financial ratios, such as, NIM, RoA, RoE and Cost-to-Income Project ‘Shikhar’ aimed at rejuvenating the Bank by focusing on several themes like energizing branches and customer service, increasing sales from branches, growing a robust asset base and revamping the operating model is in progress. Global Management Consulting firm viz., M/s Boston Consulting Group (India) Private Limited (BCG) is assisting the Bank in this transformation journey. PLAN S

58. Page 58 www.canarabank.com