Rising deposit costs due to systemic liquidity tightness
Incremental deposit costs are above 7.5%, pressuring NIMs. Management expects this to persist for 1-2 quarters unless liquidity improves.
CANBK / Q1-FY25 / risks
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Canara Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Large PSU account slipping to SMA-0
A central PSU account of INR 3,800 crore slipped to SMA-0, though fully provided for. Further downgrade could impact asset quality.
CASA ratio decline due to government fund outflows
CASA ratio fell to 32.7% from 35.4% in March, partly due to central government funds moving to RBI. Management explained but did not quantify recovery timeline.
Ind AS transition may increase standard asset provisions
CFO noted that Ind AS could require higher provisions on standard assets, potentially offsetting any relief on NPA provisions.