Canara Bank delivered a 12.25% YoY PAT growth to ₹4,104 crore in Q3 FY25, driven by strong operating profit growth of 15.15% YoY to ₹7,837 crore and a 23.31% YoY rise in fee inc...
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Market liquidity constraints have made deposit mobilization costly, pressuring NIM. Management acknowledged the challenge and is using excess SLR and higher-rate deposits to manage.
high · management_commentaryProposed RBI LCR guidelines effective April 2025 could reduce LCR by 11-12 bps, requiring costly longer-tenure deposits that may further compress NIM.
medium · analyst_questionCASA ratio has fallen to 30% due to customers shifting surplus to term deposits or mutual funds. Management's initiatives may take time to reverse the trend.
medium · analyst_questionRBI's potential changes to gold loan norms (collateral-free for PSL) may affect the bank's large gold loan portfolio, though management sees no immediate issue.
low · analyst_question