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Canara Bank Q3 FY26 earnings call summary

NSE: CANBK · BSE: 532483

Earnings call of 29 Jan 2026, summarised by AI from the filing.

Canara Bank Q3 FY26 net profit ₹5,155 cr, up 25.61%, with NIM guided at 2.45-2.50% and credit growth at 13.59%.

Key takeaways

  1. Net profit ₹5,155 cr, grew 25.61% year-on-year, highest ever quarterly profit.
  2. NIM guidance Management expects NIM in the range of 2.45% to 2.50% even if further repo reduction happens.
  3. Credit growth Advances grew 13.59%, above the 10-11% guidance, and management sees this maintained.
  4. RAM growth RAM credit grew 18.70% to ₹7.04 lakh cr, led by retail at 31.37%.
  5. ECL impact ECL from April 2027 may need ₹10,000 cr, amortized over 4 years at ₹2,000-2,500 cr per year.

Original filing on BSE

Canara Bank Q1 FY27 results

As filed: Revenue ₹32,957 cr, EBITDA −₹172 cr, PAT ₹4,864 cr, EBITDA margin -0.5%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹31,839 cr, EBITDA ₹944 cr, PAT ₹4,381 cr, EBITDA margin 3.0%. Not scored. Bank result format: not scored yet. Share price after the results: −2.2% in 30 days (Nifty 500: −1.7%).
  • Q3 FY26: Revenue ₹30,938 cr, EBITDA ₹4,227 cr, PAT ₹4,868 cr, EBITDA margin 13.7%. Not scored. Bank result format: not scored yet. Share price after the results: +6.9% in 30 days (Nifty 500: +2.5%).
  • Q2 FY26: Revenue ₹32,072 cr, EBITDA −₹3,591 cr, PAT ₹4,866 cr, EBITDA margin -11.2%. Not scored. Bank result format: not scored yet. Share price after the results: +16.4% in 30 days (Nifty 500: +0.9%).
  • Q1 FY26: Revenue ₹31,523 cr, EBITDA −₹3,611 cr, PAT ₹3,003 cr, EBITDA margin -11.5%. Not scored. Bank result format: not scored yet. Share price after the results: −4.9% in 30 days (Nifty 500: −3.3%).
  • Q4 FY25: Revenue ₹31,496 cr, EBITDA −₹2,185 cr, PAT ₹5,097 cr, EBITDA margin -6.9%. Not scored. Bank result format: not scored yet. Share price after the results: +11.5% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹30,751 cr, EBITDA −₹1,164 cr, PAT ₹4,161 cr, EBITDA margin -3.8%. Not scored. Bank result format: not scored yet.
  • Q2 FY25: Revenue ₹30,182 cr, EBITDA −₹2,311 cr, PAT ₹4,100 cr, EBITDA margin -7.7%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Canara Bank earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.