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Canara Bank
Canara Bank (CANBK) investor relations material
Canara Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary29 Jan, 2026
Executive summary
Global business reached INR 2,710,000 crore, up 13.23% year-over-year, with deposits at INR 1,521,000 crore (+12.95%) and advances at INR 1,192,000 crore (+13.59%).
Net profit for the quarter was INR 5,155 crore, a 25.61% year-over-year increase, marking the highest-ever quarterly profit.
Operating profit rose 16.36% year-over-year to INR 9,119 crore.
Asset quality improved, with gross NPA at 2.08% (down 126 bps year-over-year) and net NPA at 0.45% (down 44 bps year-over-year).
Strong growth in retail, agriculture, MSME, and gold loan portfolios, all contributing to robust business momentum.
Financial highlights
Total income for Q3 FY26 was INR 39,881 crore, up 10.43% year-over-year; net interest income grew 1.13% year-over-year to INR 9,252 crore.
Non-interest income surged 36.16% year-over-year, driven by strong treasury income and recoveries.
Provision coverage ratio (PCR) improved to 94.19%.
Return on assets improved to 1.13% year-over-year; return on net worth (ROE) at 20.55%.
Earnings per share rose 22.11% to INR 21.48.
Outlook and guidance
Surpassed 11 out of 13 guidance parameters for the year, except for CASA and NIM, which remain industry-wide challenges.
NIM at 2.50% was below the guided range of 2.75%-2.80%, but expected to remain in the 2.45%-2.50% range as rate cycle stabilizes.
Credit and deposit growth expected to sustain above 13% in the coming quarters.
Recovery momentum from written-off accounts and NPAs expected to continue, supported by multiple recovery tools.
The bank continues to focus on asset quality, digital banking expansion, and compliance with regulatory requirements.
Divestment impact on profit and structure?
Project finance portfolio health update?
Net impact of bond activity on capital?
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Next Canara Bank earnings date
Q4 202630 May, 2026
Canara Bank
Next Canara Bank earnings date
Q4 202630 May, 2026
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Frequently asked questions
Canara Bank is a state-owned commercial bank in India offering a full range of financial products and services. These include retail, corporate, and international banking, as well as asset management and treasury operations. It operates a widespread branch and ATM network across India. The bank is headquartered in Bengaluru, India, and its shares are listed on the NSE.
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