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What the record says.
Canara Bank reported a strong Q4 FY25 with net profit crossing INR 5,000 crore for the first time, up 33.19% YoY. Operating profit grew 12.14% YoY to INR 8,284 crore. Asset quality improved significantly: gross NPA fell to 2.94% (down 129 bps YoY) and net NPA to 0.70% (down 57 bps YoY). Provision coverage ratio rose to 92.70% (up 360 bps YoY). The bank benefited from INR 1,100 crore reversal on government-guaranteed SRs, partly used to strengthen PCR. Management guided for 10-11% advances growth and RoA of 1.05% for FY26. Key risks include potential NIM compression from rate cuts and elevated slippages in MSME segment.
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Guidance to track
- Management expects loan book to grow at 10-11% in FY26, consistent with historical guidance.
- Target RoA of 1.05% for FY26, with conservative approach and potential to surpass.
- Net interest margin expected to be in the range of 2.75-2.80% for FY26, with some stress in H1 but recovery in H2.
- Provision coverage ratio targeted to cross 95% to strengthen balance sheet against shocks.
Risks flagged
- Repo rate cuts could compress NIM as EBLR-linked loans reprice faster than deposits.
- MSME slippages increased to INR 1,250 crore in Q4, partly due to technical factors, but underlying stress remains a concern.
- Significant profit contribution from SR reversals and recoveries may not be sustainable.
- CASA ratio declined to 31.17% from 32%+ in FY24 due to high interest rate regime and digital shift.
Key quotes
- Our PCR has improved to 92.70% with a year on year improvement of 360 basis points. It's the highest in the history of the Canara Bank.
- We want to ensure that our PCR should touch either 95% or cross the 95%. That's the approach we have taken two years back also.
- Our target is our PCR should be above 95%. So that any shocks, anything is, we will be easily absorbing that.
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