Credit growth guidance of 11-12% for FY27
Management guided for 11-12% advances growth, but expressed confidence in exceeding this, similar to last year's 10-11% guidance which ended at 15.30%.
CANARABANK / guidance tracker
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Canara Bank · forward-looking guidance across the available source record.
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What management said would happen.
growth
NIM to remain in 2.5-2.6% range
Net interest margin is expected to sustain at 2.5-2.6% in FY27, supported by conscious pricing on deposits and focus on high-yield RAM credit.
ROA above 1% for FY27
Return on assets is guided to be above 1% for the full year, despite the absence of one-time listing gains.
ECL impact of ~₹10,000 cr can be absorbed over 4 years
The bank estimates a total ECL provision requirement of about ₹10,000 crore, which can be staggered over four years, with profits of ₹19,000-20,000 crore providing ample buffer.