Canara Bank
CANBKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
13 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (5 of 13 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| ANALYST_MEET | 20220729 | 2021-06-30 | yes | |
| ANALYST_MEET | 20221025 | 2021-09-30 | yes | |
| ANALYST_MEET | 20230127 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220511 | 2022-03-31 | yes | |
| TRANSCRIPT | 20230512 | 2022-03-31 | yes | |
| ANALYST_MEET | 20230728 | 2022-06-30 | yes | |
| ANALYST_MEET | 20240514 | 2023-03-31 | yes | |
| TRANSCRIPT | 20250129 | 2023-12-31 | yes | |
| TRANSCRIPT | 20250728 | 2024-06-30 | yes | |
| TRANSCRIPT | 20251103 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260130 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260514 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260729 | 2026-06-30 | yes |
CANBK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
The closes are adjusted for every split and bonus on record inside the period this series covers, and each adjustment is checked against the price move on its ex-date.
| Last close | 125.90 |
| 52-week range | 118.08 – 158.93 |
| Return 1M | -2.26% |
| Return 3M | -2.37% |
| Return 1Y | 2.43% |
| Return 3Y | 67.84% |
| Return 5Y | 299.18% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 32,957.00 |
| Interest on advances and bills | 24,685.00 |
| Income on investments | 6,464.00 |
| Interest on balances with the RBI and interbank funds | 1,463.00 |
| Other interest | 345.00 |
| Interest expended | 22,737.00 |
| Other income | 6,739.00 |
| Total income | 39,696.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.63 | 0.00 |
| institutions foreign | 0.13 | -0.02 |
| institutions domestic | 0.12 | 0.01 |
| mutual funds | 0.06 | 0.01 |
| public | 0.37 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2023-03-31 | 5 |
| TRANSCRIPT | 2026-06-30 | 8 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -44,016.00 | -5,522.00 | 15,046.00 | 14,225.00 | 60,669.00 | 28,859.00 | 7,942.00 |
| Net cash from investing activities | -252.00 | -653.00 | -1,748.00 | -1,268.00 | -2,461.00 | 5,694.00 | -2,812.00 |
| Net cash from financing activities | 3,900.00 | -1,270.00 | — | -1,235.00 | -3,506.00 | -6,070.00 | -4,795.00 |
| Purchase of property, plant and equipment | 0.00 | 340.00 | 1,253.00 | 476.00 | -1,162.00 | -1,686.00 | 0.00 |
| Net increase in cash | -40,369.00 | -7,447.00 | 9,462.00 | 11,738.00 | 54,725.00 | 28,551.00 | 440.00 |
| con:CFO.BEFORE_TAX | -42,175.00 | -2,015.00 | 15,046.00 | 18,349.00 | 64,568.00 | 25,832.00 | 11,935.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 1,842.00 | 3,793.00 | 0.00 | 4,301.00 | 4,103.00 | -4,684.00 | 2,914.00 |
| con:CF_OTHER.OPERATING | 0.00 | 286.00 | 0.00 | 178.00 | 204.00 | -1,657.00 | -1,078.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 53.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1,290.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | -305.00 | 0.00 | -589.00 | 0.00 | 0.00 | 0.00 | 358.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 714.00 | 819.00 | -1,429.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-06-30 | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 18,537.00 | 20,482.00 | 27,290.00 | 28,492.00 | 29,286.00 | 29,173.00 | 30,182.00 | 30,751.00 | 31,496.00 | 31,523.00 | 32,072.00 | 30,938.00 | 31,839.00 | 32,957.00 |
| Interest on advances and bills | 12,954.00 | 14,649.00 | 19,371.00 | 19,889.00 | 20,877.00 | 20,782.00 | 21,762.00 | 22,448.00 | 22,807.00 | 22,618.00 | 23,081.00 | 23,597.00 | 23,951.00 | 24,685.00 |
| Income on investments | 4,836.00 | 5,201.00 | 6,102.00 | 6,233.00 | 6,383.00 | 6,553.00 | 6,504.00 | 6,625.00 | 6,737.00 | 6,711.00 | 6,819.00 | 5,274.00 | 6,318.00 | 6,464.00 |
| Interest on balances with the RBI and interbank funds | 516.00 | 626.00 | 1,164.00 | 944.00 | 1,032.00 | 1,068.00 | 1,133.00 | 1,084.00 | 1,393.00 | 1,474.00 | 1,499.00 | 1,559.00 | 1,419.00 | 1,463.00 |
| Other interest | 231.00 | 6.00 | 652.00 | 1,427.00 | 993.00 | 770.00 | 783.00 | 593.00 | 559.00 | 720.00 | 673.00 | 508.00 | 150.00 | 345.00 |
| Interest expended | 11,396.00 | 12,681.00 | 17,934.00 | 18,620.00 | 19,226.00 | 19,534.00 | 20,427.00 | 21,163.00 | 21,556.00 | 21,992.00 | 22,412.00 | 22,709.00 | 22,024.00 | 22,737.00 |
| Other income | 5,202.00 | 6,876.00 | 6,602.00 | 7,138.00 | 8,098.00 | 7,793.00 | 7,824.00 | 6,679.00 | 8,761.00 | 9,919.00 | 9,942.00 | 2,152.00 | 4,700.00 | 6,739.00 |
| Total income | 23,739.00 | 27,358.00 | 33,891.00 | 35,630.00 | 37,384.00 | 36,966.00 | 38,006.00 | 37,430.00 | 40,256.00 | 41,442.00 | 42,014.00 | 33,089.00 | 36,539.00 | 39,696.00 |
| Employee benefit expense | 3,546.00 | 3,259.00 | 3,957.00 | 4,696.00 | 4,650.00 | 4,411.00 | 4,537.00 | 4,649.00 | 5,009.00 | 4,996.00 | 5,028.00 | 4,508.00 | 4,747.00 | 5,095.00 |
| Operating expenses | 5,694.00 | 7,689.00 | 8,250.00 | 10,102.00 | 10,714.00 | 9,727.00 | 9,814.00 | 8,353.00 | 10,294.00 | 10,782.00 | 10,897.00 | 1,584.00 | 7,878.00 | 8,311.00 |
| Expenditure excluding provisions and contingencies | 17,089.00 | 20,370.00 | 26,185.00 | 28,723.00 | 29,940.00 | 29,262.00 | 30,242.00 | 29,517.00 | 31,850.00 | 32,774.00 | 33,309.00 | 24,293.00 | 29,903.00 | 31,049.00 |
| Operating profit before provisions | 6,650.00 | 6,989.00 | 7,707.00 | 6,908.00 | 7,444.00 | 7,704.00 | 7,765.00 | 7,913.00 | 8,407.00 | 8,667.00 | 8,705.00 | 8,796.00 | 6,636.00 | 8,647.00 |
| Provisions and contingencies | 3,689.00 | 3,638.00 | 2,609.00 | 1,899.00 | 2,484.00 | 2,282.00 | 2,252.00 | 2,399.00 | 1,831.00 | 2,359.00 | 2,354.00 | 2,417.00 | 992.00 | 2,080.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 2,961.00 | 3,351.00 | 5,098.00 | 5,009.00 | 4,960.00 | 5,422.00 | 5,513.00 | 5,515.00 | 6,576.00 | 6,308.00 | 6,351.00 | 6,379.00 | 5,644.00 | 6,567.00 |
| Tax expense | 903.00 | 757.00 | 1,421.00 | 1,270.00 | 0.00 | 1,445.00 | 0.00 | 1,354.00 | 1,478.00 | 1,472.00 | 1,485.00 | 1,510.00 | 1,263.00 | 1,703.00 |
| Profit for the period | 2,058.00 | 2,593.00 | 3,677.00 | 3,738.00 | 4,960.00 | 3,977.00 | 4,100.00 | 4,161.00 | 5,097.00 | 3,003.00 | 4,866.00 | 4,868.00 | 4,381.00 | 4,864.00 |
| Profit attributable to owners | 2,180.00 | 2,706.00 | 3,798.00 | 3,790.00 | 5,119.00 | 4,068.00 | 4,188.00 | 4,214.00 | 5,070.00 | 3,195.00 | 4,850.00 | 5,254.00 | 4,574.00 | 5,181.00 |
| Profit attributable to non-controlling interests | 13.00 | 24.00 | 31.00 | 36.00 | 39.00 | 31.00 | 39.00 | 42.00 | 41.00 | 38.00 | 46.00 | -79.00 | 1.00 | 1.00 |
| con:SHARE_OF_ASSOCIATES | 135.00 | 136.00 | 151.00 | 88.00 | 197.00 | 121.00 | 126.00 | 95.00 | 14.00 | 229.00 | 31.00 | 306.00 | 194.00 | 318.00 |
| Earnings per share, basic | 12.02 | 14.91 | 20.93 | 20.89 | 21.78 | 4.48 | 4.62 | 4.65 | 5.59 | 3.52 | 5.35 | 5.79 | 5.04 | 5.71 |
| Earnings per share, diluted | 12.02 | 14.91 | 20.93 | 20.89 | 21.78 | 4.48 | 4.62 | 4.65 | 5.59 | 3.52 | 5.35 | 5.79 | 5.04 | 5.71 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 110,519.00 | 121,601.00 | 126,371.00 |
| Interest on advances and bills | 78,206.00 | 87,799.00 | 93,248.00 |
| Income on investments | 24,517.00 | 26,419.00 | 25,122.00 |
| Interest on balances with the RBI and interbank funds | 4,249.00 | 4,678.00 | 5,951.00 |
| Other interest | 3,546.00 | 2,705.00 | 2,051.00 |
| Interest expended | 72,118.00 | 82,681.00 | 89,138.00 |
| Other income | 28,646.00 | 31,057.00 | 26,712.00 |
| Total income | 139,165.00 | 152,658.00 | 153,083.00 |
| Employee benefit expense | 17,112.00 | 18,606.00 | 19,279.00 |
| Operating expenses | 37,337.00 | 38,189.00 | 31,142.00 |
| Expenditure excluding provisions and contingencies | 109,454.00 | 120,869.00 | 120,279.00 |
| Operating profit before provisions | 29,710.00 | 31,789.00 | 32,804.00 |
| Provisions and contingencies | 9,711.00 | 8,764.00 | 8,122.00 |
| Profit before exceptional items and tax | — | 23,025.00 | 24,681.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 20,000.00 | 23,025.00 | 24,681.00 |
| Tax expense | 0.00 | 5,689.00 | 5,730.00 |
| Profit for the period | 20,000.00 | 17,336.00 | 17,118.00 |
| Profit attributable to owners | 20,496.00 | 17,540.00 | 17,873.00 |
| Profit attributable to non-controlling interests | 122.00 | 152.00 | 6.00 |
| con:SHARE_OF_ASSOCIATES | 619.00 | 356.00 | 760.00 |
| Earnings per share, basic | 84.22 | 19.34 | 21.73 |
| Earnings per share, diluted | 84.22 | 19.34 | 21.73 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 1,814.00 | 1,814.00 | 1,814.00 | 1,814.00 | 1,814.00 | 1,814.00 | 1,814.00 |
| Reserves and surplus | 72,978.00 | 84,640.00 | 90,319.00 | 100,700.00 | 103,603.00 | 113,388.00 | 115,891.00 |
| Deposits | 1,135,283.00 | 1,232,110.00 | 1,312,242.00 | 1,347,216.00 | 1,456,495.00 | 1,527,472.00 | 1,568,333.00 |
| Borrowings | 62,494.00 | 81,061.00 | 57,538.00 | 94,770.00 | 89,665.00 | 91,131.00 | 155,288.00 |
| Other liabilities and provisions | 58,250.00 | 65,025.00 | 73,104.00 | 77,071.00 | 79,114.00 | 77,698.00 | 45,999.00 |
| Total equity and liabilities | 1,330,820.00 | 1,464,651.00 | 1,535,018.00 | 1,621,571.00 | 1,730,691.00 | 1,811,503.00 | 1,887,325.00 |
| Cash and balances with the RBI | 55,386.00 | 60,359.00 | 71,135.00 | 59,617.00 | 90,048.00 | 68,929.00 | 54,054.00 |
| Balances with banks and money at call | 86,636.00 | 73,897.00 | 80,030.00 | 103,286.00 | 115,842.00 | 122,525.00 | 152,277.00 |
| Investments | 339,265.00 | 381,560.00 | 399,207.00 | 417,189.00 | 426,188.00 | 444,689.00 | 407,389.00 |
| Advances | 788,777.00 | 892,542.00 | 931,787.00 | 984,306.00 | 1,049,332.00 | 1,130,282.00 | 1,220,018.00 |
| Property, plant and equipment | 10,999.00 | 10,263.00 | 12,331.00 | 12,344.00 | 10,302.00 | 10,223.00 | 10,595.00 |
| Other assets | 49,756.00 | 46,031.00 | 40,528.00 | 44,829.00 | 38,979.00 | 34,855.00 | 42,993.00 |
| Total assets | 1,330,820.00 | 1,464,651.00 | 1,535,018.00 | 1,621,571.00 | 1,730,691.00 | 1,811,503.00 | 1,887,325.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 44,010.00 | 41,777.00 | 40,657.00 | 40,408.00 | 37,785.00 | 35,084.00 | 31,548.00 | 29,535.00 | 27,050.00 | 24,842.00 | 22,749.00 | 20,364.00 |
| Net non-performing assets | 12,561.00 | 12,183.00 | 11,831.00 | 11,710.00 | 9,785.00 | 9,087.00 | 7,357.00 | 6,775.00 | 6,115.00 | 5,322.00 | 5,209.00 | 4,653.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 62.93 | 0.63 | 0.63 |
| Domestic institutions | 16.64 | 16.22 | 15.95 | 14.94 | 14.30 | 14.38 | 11.20 | 11.65 | 11.72 | 11.85 | 11.41 | 12.24 | 0.11 | 0.12 |
| Mutual funds | — | — | — | — | — | — | — | — | — | — | 4.21 | 5.71 | 0.05 | 0.06 |
| Insurance companies | 10.81 | 10.59 | 10.24 | 8.79 | 7.62 | 7.40 | 6.64 | 6.26 | 6.31 | 6.23 | 6.26 | 5.60 | 0.05 | 0.05 |
| Foreign institutions | 8.74 | 8.95 | 8.92 | 10.19 | 11.21 | 10.57 | 11.91 | 11.25 | 11.11 | 10.55 | 11.38 | 11.90 | 0.14 | 0.13 |
| Government | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 37.07 | 0.37 | 0.37 |
| Non-institutional | 11.69 | 11.90 | 12.20 | 11.94 | 11.56 | 12.11 | 13.96 | 14.17 | 14.23 | 14.67 | 14.27 | 12.92 | 0.12 | 0.12 |
| Shares outstanding | 1814130252 | 1814130252 | 1814130252 | 1814130252 | 1814130252 | 1814130252 | 9070651260 | 9070651260 | 9070651260 | 9070651260 | 9070651260 | 9070651260 | 9070651260 | 9070651260 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Can Fin Homes Ltd | Associate | Any other transaction, Dividend received, Interest p | 5,631,300,000.00 | 9 |
| Canara HSBC Life Insurance Company Limited | Group Entity | Any other transaction, Dividend received, Investment | 5,572,300,000.00 | 12 |
| Canbank Financial Services Ltd. | Subsidiary | Any other transaction, Interest paid, Investment, Sa | 2,084,200,000.00 | 7 |
| Karnataka Gramin Bank | Associate | Any other transaction, Interest paid, Investment, Sa | 366,000,000.00 | 6 |
| Canara Bank Venture Capital limited | Subsidiary | Any other transaction, Dividend paid, Interest paid, | 291,200,000.00 | 6 |
| Andhra Pragati Grameen Bank | Associate | Any other transaction, Dividend paid, Interest paid, | 199,600,000.00 | 10 |
| Karnataka Vikas Grameena Bank | Associate | Any other transaction, Dividend paid, Investment, Sa | 148,300,000.00 | 9 |
| Canara Robecco Asset Management Co . Ltd | Group Entity | Any other transaction, Dividend received, Sale of go | 140,200,000.00 | 11 |
| Canara Bank Securities Ltd. | Subsidiary | Any other transaction, Interest paid, Investment, Pu | 47,900,000.00 | 12 |
| Kerela Gramin Bank | Associate | Any other transaction, Investment, Sale of goods or | 23,700,000.00 | 10 |
| Canbank Factors Ltd. | Subsidiary | Any other transaction, Sale of goods or services | 10,500,000.00 | 5 |
| Canbank Computer Services Ltd. | Subsidiary | Any other transaction, Purchase of goods or services | 2,900,000.00 | 3 |
| K Satyanarayan Raju | Key Management Personnel of the En | Remuneration | 2,000,000.00 | 1 |
| S K Majumdar | Key Management Personnel of the En | Remuneration | 2,000,000.00 | 1 |
| Debashish Mukherjee | Key Management Personnel of the En | Remuneration | 1,900,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-29 | Q1FY27 | Read the call | |
| 2026-05-14 | Q4FY26 | Read the call | |
| 2026-01-30 | Q3FY26 | Read the call | |
| 2025-11-03 | Q2FY26 | Read the call | |
| 2025-07-28 | Q1FY25 | Read the call | |
| 2025-01-29 | Q3FY24 | Read the call | |
| 2024-05-14 | Q4FY23 | Read the call | |
| 2023-07-28 | Q1FY23 | Read the call | |
| 2023-05-12 | Q4FY22 | Mr. K Satyanarayana Raju | Read the call |
| 2023-01-27 | Q3FY22 | Read the call | |
| 2022-10-25 | Q2FY22 | Read the call | |
| 2022-07-29 | Q1FY22 | Canara Bank, Executive Director, Canara Bank | Read the call |
| 2022-05-11 | Q4FY22 | Canara Bank, Executive Director, Canara Bank, Mr. L V Prabhakar | Read the call |
What they said about it, quarter by quarter
| Topic | Q1FY27 | Q2FY26 | Q3FY22 | Q3FY24 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | Can you help me understand what portion would be towards greenfield capex or private capex, and what would be the working capital. | So, when you are investing though it is a CapEx, next year onwards it will convert into an ATS and all service charges and all you have to pay it. | Another 100 crores on technology-related expenses were there i.e. AMC charges and on the ongoing CapEx that is happening, that has happened. | We are not compromising that margins, except that nothing - there is no change in our approach or anything. - The second one that technology front wha… | — | — |
| Capital allocation | — | And if we can make it successful that subsidiary, it will indirectly or in turn, it will be helpful CASA also, for garnering otherwise all our custome… | — | Are you open for any strategic buyback? Mr. K Satyanarayana Raju – MD, Canara Bank: No Sir. | — | Today, really we are happy as our board has kind enough to declare the dividend for which we have worked hard in the last two years to take care about… | With this, the Board has permitted us to propose a dividend of 161% of paid up capital as against last year dividend of 120%. | — |
| Costs | — | — | — | — | — | — | So that is helping us in maintaining our credit cost below the 1% and less pressure on our NIMs. - | — |
| Debt and cash | — | — | So, these two points if you can elaborate on the same. Mr. Debashish Mukherjee – Executive Director, Canara Bank: You see our loan book to corpora… | — | — | — | — | — |
| Demand | Thank you. - Mr. Sushil Choksi – Shareholder: - Sir, what is that you would like to see in Canara Bank in your tenure that you are able to implement a… | In those days maintaining the percentage of the CASA at the same level was a little easy task for the banking but now because of the credit demand the… | — | — | — | — | So growth will be there, demand is there. | At the same time, there would be demand. |
| Guidance | Slippage ratio is contained at 0.60% and which is improved by 20 basis points YoY. - So whatever the performance we have given, we have bettered every… | So, from now on do we expect margins to stay stable or improve if there are no further cuts? - Mr. Satyanarayana Raju - MD & CEO, Canara Bank: - So, o… | Regarding the margins, we have given guidance earlier when during the first quarter that we will maintain the NIM at around 2.9%. | Our net NPA has reached to the all-time low in the history of Canara Bank to 0.89%, with year-on-year decline of 43 basis points. When we have grown… | So, our strategy going ahead is to further capitalize because if you see our guidance number on advances, our advances growth is more than 13.59%. | Right, so if I just go just by the guidance given by you, 10% or 8, 9 percent growth in credit and 10 basis points increase in NIM, which will accou… | My first question is on your guidance that relative to what you have achieved in FY24 on credit growth, your credit growth guidance is slightly softer… | Firstly, on the advances growth guidance that you have given of 11% to 12%, so we have closed this year with 15+. |
| Margin | Because your incremental margin on that bulk deposit is around 1.5%, which is lower than the blended. | And, secondly, on the margin, if I look at your one year MCLR, it has come down by roughly 35 bps in the last 6 months. | So, with that comfort we are sure that we can manage this whatever…We have shown that 3% margin can be easily manageable and let me correct to you tha… | — | Is there a like a growth margin trade-off? | Our net interest margin, as we have promised to that - committed to the investment community or stakeholders that we will manage above the 2.9 as agai… | 58. - Now about the net interest margin. | — |
| Pricing | So we are focusing by way of good quality products, by good way of placing, by good way of pricing and we are working on delivery channels also. | — | But as such the RLLR is immediate re-pricing, right? Mr. K. | — | Secondly… − Mr. Hardeep Singh Ahluwalia - MD & CEO, Canara Bank: − See, we are continuously studying the market and our term deposit is pricing accord… | Prabhakar – MD & CEO, Canara Bank: Large accounts at the most it is about 150 or 120 crores, not in four digit figures or not in higher vertical I c… | Earlier also we had given 10% and you can see that we have grown 11.34% even after rejigging the pricing of the corporate portfolio. | So, that places us uniquely to negotiate on pricing. |
| Revenue growth | Okay, so my aspirations will be on efficiency line, Sir, considering this bank is doing very good as long as topline is concerned. | There is an incremental growth of ₹20,000 crores. | With these business growth our operating profit has increased year-on-year basis 19.80% and stood at 6952 crores which was led by a net interest incom… | That is giving a continuous growth of almost 15%, sir. Mr. Jay Mundra – Participant: Any changes that you have to make to the product in terms of,… | In saving also we have seen a growth of 8.51%. | Prabhakar – MD & CEO, Canara Bank: Sir as on date with my present CRAR off 14.9%, I can comfortably achieve a great growth of about 10%; however, ou… | 11.34% growth of advances that we announced, is led by our RAM sector grown at 13.52% and stood at Rs. | — |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2022-05-11 | Q4FY22 | Mr. L V Prabhakar | Right, so if I just go just by the guidance given by you, 10% or 8, 9 percent growth in credit and 10 basis points increase in NIM, which will account to somewhere around 13 to 14 percent including NII and obviously other income, that you are saying and obviously taking operating expenses, your guidance for profit and EPS looks very, very conservative. |
| 2023-05-12 | Q4FY22 | Mr. K Satyanarayana Raju | Sir, the growth guidance for fiscal year 24 is around 10½% and if you look at the ROE of the bank is well ahead of 19%-20%, so in that context do you foresee any capital requirement or you think that the internal accrual will be enough to meet the growth targets in the near term? - Mr. K. |
| 2023-05-12 | Q4FY22 | Mr. K Satyanarayana Raju | Satyanarayana Raju -- MD & CEO, Canara Bank: - Sir, we have given a guidance of credit growth at 10.5% and the present CRAR in for the Canara Bank is 16.68%. |