NIM compression from rate cuts
Repo rate cuts could compress NIM as EBLR-linked loans reprice faster than deposits.
CANBK / Q4-FY25 / risks
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Canara Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Elevated MSME slippages
MSME slippages increased to INR 1,250 crore in Q4, partly due to technical factors, but underlying stress remains a concern.
Dependence on non-core income for profit growth
Significant profit contribution from SR reversals and recoveries may not be sustainable.
CASA ratio pressure
CASA ratio declined to 31.17% from 32%+ in FY24 due to high interest rate regime and digital shift.