Canara Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
12
Answered directly
79%
Numeric claims
0
Consistency
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Question ledger
Mahrooq Gowher · Sambre Corporation
partialOverall, I feel that our NIM may not go below 2.5%, but we will be able to maintain that around the 2.5% for this current quarter. We see that slowly that if no further rate cuts are there, subject to that, we may see slowly that the NIM may gradually improve in the third and fourth quarter.
Jai Mundra · Beep Experience
directIf you take all those things, it may be difficult to maintain that 2.75-2.80 guidance for this current financial year, I feel personally.
Jai Mundra · Beep Experience
directThat's what actually I'm telling you, sir, that the cost of deposit, whatever it is up to March, there is no reduction. Whatever we have taken, the deposits for a period of three to six months or nine months or one year, that can be repriced only when it comes for that expiry date, due date.
Jai Mundra · Beep Experience
directSir, APGB. Actually, that is APGB, sir. Andhra Pragati Grameena Bank, that was one of the best bank among 42 private sector RRBs. That was the highest profit earning RRB, which was under our control up to that April 30th.
Piran Engineer · CLSA
directOur ALM date is 12th every month. So whenever that rate cut happens, whether it happens on 5th or 6th or 7th or 8th, if it is before 12th, 12th, it will be passed on to that because ALCO committee meets on every month 12th and it will be passed on from 12th effect.
Bhavik Shah · McKinsey
evasiveNo, actually, always in that is our regular practice that we give guidance conservatively, but we will excel in our performance. We need not change the guidance, but definitely we will excel whatever it is there in the net NPA or gross NPA figures what we have given for the March.
Ashok Ajmera · Ajcon Global Services
partialI am sure that we will be above 30% even at the end of the financial year. We will try to reach the percentage we have given at 32%. Again, why I am telling you this hope we have is gradually the term deposit interest rates are coming down.
Ashok Ajmera · Ajcon Global Services
partialTo answer your question straight, like the INR 1,000 crore additional which you saw this time, that is in the first quarter, that will be a bit, that will be substantially lower, which we are already thinking of avenues to bridge.
Mona Ketan · Dolat Capital Market Private
directNaturally, madam. It will come in the lag only, any reduction because one-year MCLR resetting may happen in the every year. So whichever of the accounts are due for that completing that one year, only those accounts it attracts.
Nitin Nagarwal · Accenture
directWe are sure that we will maintain only on the same level of operating expenses with maybe a 6%-8% growth. If you see our cost to income ratio, last month, March, it was around 47.55%. Now it has come down to 46.77%.
Anand Gandhi · Bank of America
directSir, in the guidelines, they are given that all the projects which are coming to the financial closure and implementing in the stages up to September 30th, these guidelines are not applicable at all. Any project finance which is financial closure is happening only after October 1, 2025. Only those projects that need that additional provisioning.
Saurin Chokshi · Proofpoint
directThat's what, sir. Actually, the last time when it comes for that blended RAM sector, it was around 9.23-9.3% was there. Now it will come down a little bit to 8.7-8%. That is the average yield, sir.
