Margin compression from high deposit rates
Elevated term deposit rates (7.25% special scheme) may pressure NIM, potentially falling to 2.9% if liquidity remains tight.
CANBK / Q2-FY24 / 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
Potential slippage from large LRD account
A single large LRD account (mall) under SMA-2 has been provisioned INR 650 crore; if it slips to NPA, recovery may be slow despite collateral.
Slow NCLT recovery process
Recovery from NCLT-referred accounts remains slow, with most resolutions via liquidation, limiting recoveries.
Wage hike arrears impact
Bipartite settlement arrears from Nov 2022 could create a one-time expense shock; bank has provisioned INR 1,150 crore so far.