CANBK / Q4-FY25 / claim-ledger

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Canara Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY25 · 2025-04-15Back to quarter ↗

Questions audited

12

Answered directly

83%

Numeric claims

0

Consistency

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Question ledger

What was answered, and how?

Ashok Ajmera · Research desk

partial

How did the SR reversal and provisions net to INR 1,831 crore?

the overall whatever the benefit we got through that SRs reversal, provisioning reversal and all, we could use it for strengthening our provision coverage ratio, PCR.

Ashok Ajmera · Research desk

direct

How much of the SR reversal went to profit vs provisions?

That 1,100 crore is actually that reversal happened, and out of that 1,100 crore, 500 crore has gone into what you see as part of the profit. Another 600 crore we have made a provision...

Ashok Ajmera · Research desk

partial

Is PSLC commission income sustainable going forward?

maybe my quantum may reduce in the selling in the market from 80,000 to 40,000 or 50,000. But my income may not be reduced because the demand will be very high and the commission will be very high.

Mahrukh · Research desk

direct

What is the total write-off pool and visibility on recovery?

With whatever we have a book of almost INR 70,000 crore as on date also... we are sure that this year also we will continue to perform at the same level in the recovery of accounts.

Mahrukh · Research desk

direct

What explains the sharp jump in other interest income?

Other interest is nothing but when you have a surplus or the available liquidity funds in your system... That will be used in the overnight call money markets... There is no one time on that.

Mahrukh · Research desk

direct

How were agri gold loans converted to retail gold?

Because in metropolitan we stopped lending that... It is a little bit shifting from agriculture purposes to the RAM credit, the retail credit. Because we have come out with a new product.

Kunal Shah · Research desk

direct

Why does note say INR 1,700 crore reversal but you said INR 1,100 crore?

It is 1,700 crore including March. But March provision was to be made. So when I reverse the SR quantum, then the requirement is 1,700 crore... 1,100 plus 600 becomes 1,700.

Kunal Shah · Research desk

direct

Which segments drove the sequential slippage increase?

It is only the three sectors. That is MSME, it is INR 1,250 crore. The agriculture is INR 750 crore. The retail is INR 650 crore.

Piran Engineer · Research desk

partial

How will new gold loan guidelines affect PSLC and business?

the business overall business it will not impact. But there will be some reclassification... Only classification purposes go the agriculture loans may available for the selling in the PSLC in the market itself may come down.

Piran Engineer · Research desk

direct

What is the cost of bulk deposits currently?

Even now also it is ranging around 7%... if it is 1 year, it is around 7.10%. That is the percentage.

Jai · Research desk

direct

What is the yield on retail gold and how large can it become?

It's above 9%, sir. ... this INR 48,000 crore can move up to INR 70,000 crore by FY26 end.

Jai · Research desk

partial

How will NIM be maintained despite rate cuts?

we have given a call to focus more on the retail deposits and CASA... we could garner 17,000 crores... That has helped us in improving that 3 basis points in the NIM there.