Canara Bank

- Canara Bank is investing significantly in digital initiatives, with an annual spend around ₹1,000 crores on digital technologies. - The bank has established a dedicated AI vertical focusing on AI use cases like fraud prevention and default prediction, indicating ongoing strategic investment in technology. - Investments include annual technology-related expenses such as AMC charges and ongoing capital expenditure (CapEx). - There is also focus on upskilling employees to enhance capabilities related to AI and digital transformation. - No specific mention of large current/future capital investment outside of technology and digital transformation. - The bank maintains excess SLR of 6%, enabling leveraged borrowing opportunistically, but borrowing is considered at an optimum level with no plans for significant increase. - Strategic focus is on technology, AI, and digital to drive efficiency, business growth, and customer engagement.

- Canara Bank expects continued strong business growth, as stated by MD & CEO Mr. Hardeep Singh Ahluwalia. - Credit growth guidance is above 13.5%, with targeted 13% growth in the RAM (Retail, Agriculture, and MSME) sector. - RAM sector growth is strong: Agriculture at 18.7%, MSME at 13.74%, and gold loans at 30%. - Retail loans have grown organically by over 30% YoY, showing robust demand without buyouts. - Deposit growth is healthy at around 13%, above guidance of 9-10%, supporting loan growth. - The bank targets maintaining NIM around 2.45% to 2.5%, with scope for improvement as rate cycles stabilize. - Recovery and provision coverage remain strong, supporting asset quality and capital adequacy, facilitating sustainable growth. - Overall, Canara Bank expects this growth trajectory to continue in the last quarter and beyond without capital constraints.

- Canara Bank anticipates continued strong growth in earnings and profitability, expecting the current positive momentum to sustain in the last quarter and beyond (Page 26). - Annual profit guidance stands between ₹17,000 to ₹20,000 crores, supported by strong business growth and asset quality (Pages 4, 25). - Operating profit for Q3 FY26 stood at ₹9,119 crores, with net profit at ₹5,155 crores, growing 25.61% YoY, indicating robust profitability (Page 2). - Earnings per share (EPS) improved by 22.11% to ₹21.48, with expectations to maintain this growth trajectory (Page 2). - Strong advances growth of over 13.59%, driven by high-yield sectors like RAM, retail, MSME, and gold loans, will support interest income and earnings expansion (Pages 2, 24). - Cost control and capital adequacy (CET-1 at 12.37%, PCR above 95%) will sustain profitability and ensure capacity for growth (Pages 2, 25). - Treasury income may moderate but is not expected to derail overall earnings growth (Page 11).

The provided transcript of Canara Bank's Q3 & Nine Months ended December 31, 2025 earnings conference call does not contain any information regarding the bank's current or expected order book or pending orders. The discussion primarily focuses on financial performance, credit growth, asset quality, provisioning, deposits, margins, digital initiatives, and capital adequacy. There are no mentions of order books or pending orders in the transcript.

- No new QIP (Qualified Institutional Placement) or equity fundraising is currently planned or lined up. - The bank is adequately capitalized with a Capital Adequacy Ratio (CRAR) of 16.5 and a CET-1 above 11. - Annual profits of ₹17,000 to ₹20,000 crores are expected to maintain strong capital levels. - No immediate requirement for additional capital raising is foreseen for business growth or double-digit expansion in the next couple of years. - Borrowings are currently at an optimum level, primarily used to leverage cost and manage liquidity via overnight instruments and refinancing. - No plans to further increase borrowing significantly; existing borrowings mainly include AT1 bonds and refinancing through NABARD and SIDBI at lower rates. Thus, fundraising through debt or equity is not planned in the near term given strong self-reliance and capital adequacy.