Canara Bank (NSE:CANBK)

Q1 2027 Canara Bank Ltd Earnings Call Transcript

Jul 27, 2026 / 10:30 AM GMT

Release Date Price: ₹127.26 (+1.28%)

Transcript

Key Points

Positve

Global business grew by 14.37% YOY, reaching 29.05 lakh crores.
Net interest income increased by 13.39% YOY, surpassing the 10,000 crore mark for the first time.
The bank's CET1 ratio improved by 62 basis points YOY, standing at 12.91%.
Gross NPA reduced by 112 basis points YOY, now at 1.57%.
Retail credit within the RAM segment grew by 35.88% YOY, indicating strong performance in this area.

Negative

SMA2 numbers increased significantly from 1,394 crores to 3,482 crores, indicating potential stress in some accounts.
Treasury income decreased compared to the same quarter in 2025 due to hardened yields and lack of arbitrage opportunities.
The bank's CASA ratio remains below 30%, which is lower compared to peers.
Fee-based income showed sluggish growth, increasing only by 5.35% YOY.
The bank faces challenges in improving its efficiency parameters, particularly in terms of CASA percentage.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CNBK.NS - Canara Bank Ltd
Q1 2027 Canara Bank Ltd Earnings Call
Jul 27, 2026 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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With us today, Sri Brajesh Kumar Singh, MD and CEO, Sri Hardeep Singh Aluwalia, Executive Director, Sri Bhavendra Kumar, Executive Director, Sri S.K. Majdumdan Sir, Executive Director, and Sri Sunuli Kumar Cho, Executive Director. With this, I now hand over the call to the MD sir for his opening remarks, post which we will have a Q&A session.

Thank you and over to you sir.

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Unidentified_2 [2]
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Good evening, moderator and at the same time all my respected analysts.

We have just declared our quarterly results today. Numbers according to me are

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