NIM compression from further rate cuts
If RBI cuts rates further, NIMs could face additional pressure as 45% of loans are repo-linked while deposit repricing lags by 9-12 months.
CANBK / Q2-FY26 / 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
ECL implementation impact on provisions
New expected credit loss norms from March 2027 may require higher provisions, especially for smaller accounts below ₹5 crore.
CASA ratio target may be missed due to high balance sheet growth
With balance sheet growing at 14%, maintaining CASA at 32% is challenging; management acknowledged the difficulty.
Concentration in state government project exposure
The bank made a precautionary provision of INR 380 crore on a Telangana drinking water project in SMA, indicating potential stress in state-level exposures.