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Canara Bank (CANBK) investor relations material

Canara Bank Q2 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 25/26 earnings summary30 Oct, 2025

Executive summary

  • Global business grew 13.55% year-over-year to INR 26,78,963 crores, with advances up 13.74% and deposits up 13.4%.

  • Net profit rose 18.93% year-over-year to INR 4,774 crores, and operating profit increased 12.2% to INR 8,588 crores.

  • Asset quality improved, with gross NPA at 2.35% (down 138 bps) and net NPA at 0.54% (down 45 bps) year-over-year.

  • Retail credit grew 29.11% year-over-year, housing loans up 15.25%, vehicle loans up 25.58%, and MSME loans up 12.7%.

  • Unaudited standalone and consolidated financial results for H1 FY2025-26 showed continued growth in income and profitability.

Financial highlights

  • Standalone net profit for H1 FY2025-26 was INR 9,525.99 crores, up from INR 7,919.81 crores year-over-year.

  • Net interest income for the quarter was INR 9,141 crores, up 1.47% sequentially; total income reached INR 38,598 crores, up 11.17% year-over-year.

  • Non-interest income surged 41.62% year-over-year to INR 7,054 crores, driven by higher fee-based and treasury income.

  • EPS (annualized) was INR 21.01, up 21% year-over-year.

  • Provision coverage ratio at 93.59% as of 30.09.2025.

Outlook and guidance

  • Out of 13 annual guidance parameters, 11 have been achieved; focus remains on improving CASA and NIM.

  • NIM (global) at 2.52% was below the 2.75–2.80% guidance; expected to remain stable for one more quarter.

  • Net profit for the year expected to exceed INR 20,000 crores, up from INR 17,400 crores last year.

  • All key asset quality and profitability metrics surpassed guidance.

  • The bank continues to focus on asset quality, capital adequacy, and digital banking expansion.

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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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