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Canara Bank (CANBK) investor relations material
Canara Bank Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Global business reached ₹28.06 lakh crore, up 12.11% year-over-year, with advances at ₹12.37 lakh crore (+15.30%) and deposits at ₹15.68 lakh crore (+9.71%).
Net profit for FY26 was ₹19,187 crore, up 12.69% year-over-year; operating profit for the year was ₹33,019 crore, up 5.19%.
Dividend proposed at 210% of paid-up capital (₹4.20 per share), subject to shareholder approval.
Audited standalone and consolidated financial results for Q4 and FY ended 31.03.2026 were approved, with an unmodified audit opinion.
Financial highlights
Net interest income for Q4 was ₹9,808 crore, up 3.88% year-over-year; total income for FY26 was ₹1,53,204 crore, up 7.73% year-over-year.
Non-interest income rose 19.53% year-over-year to ₹26,838 crore.
Basic and diluted EPS for FY26 was ₹21.15, up from ₹18.77 year-over-year.
Gross NPA ratio improved to 1.84% (from 2.94%), and net NPA to 0.43% (from 0.70%) year-over-year.
Provision coverage ratio increased to 94.21% from 92.70% year-over-year.
Outlook and guidance
FY27 guidance: global business growth 10–11%, advances 11–12%, deposits 9–10%; management expects to exceed targets.
NIM expected to hover around 2.5%–2.6%; ROA guidance at 1.01–1.05%.
FY27 targets: gross NPA 1.5%, net NPA 0.4%, ROE 16.5%.
PSLC income expected to remain stable at around ₹2,500 crore.
No material divergence in asset classification and provisioning as per RBI's annual supervisory process.
- Net profit rose 25.61% year-over-year, with improved asset quality and strong capital ratios.CANBK
Q3 25/2620 Apr 2026 - Profit up 12.25% YoY, asset quality and capital ratios strong, retail credit leads growth.CANBK
Q3 24/253 Feb 2026 - Net profit up 21.69% to ₹4,752 crore, asset quality improved, all covenants met.CANBK
Q1 25/263 Feb 2026 - Net profit rose 10.47% YoY with strong retail, digital growth, and improved asset quality.CANBK
Q1 24/253 Feb 2026 - Net profit up 11.31% YoY, asset quality improved, and retail lending surged.CANBK
Q2 24/2518 Jan 2026 - Net profit up 33% to Rs. 17,026.67 crore, with improved asset quality and strong digital growth.CANBK
Q4 24/258 Jan 2026 - Profit and income grew, asset quality improved, and capital adequacy remained robust.CANBK
Q2 25/2612 Dec 2025
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