Guidance ledger · Q4 FY26

Canara Bank CANBK

3 revisions on record · 1 lowered · 1 raised — the strikethrough is what management used to say

directional guidance only · held across quarters

Holding view → · latest concall · The pulse

↓ lowered FY26 NIM target Q1 FY26 → Q4 FY26

~~2.75% to 2.80%~~ → 2.51% (FY26 actual) / 2.5-2.6% trajectory

“we presume that it will hover around 2.5 to 2.6 here”

↑ raised Advances growth guidance Q1 FY26 → Q4 FY26

~~10 to 11% guidance (Q1FY26)~~ → 11 to 12% guidance (Q4FY26) - delivered 15.30%

“although it is projected at 11 to 12%, we are confident that we will exceed”

→ narrowed ECL impact quantification Q1 FY26 → Q4 FY26

~~Qualitative 'no pressure' (Q1FY26)~~ → Rs. 10,000 crores quantified, 4-year stagger

“Total requirement will be 10,000. And it can be staggered to 4 years.”

Method. Revisions come from management's own stated numbers, compared quarter over quarter across the covered concalls; each carries the verbatim quote. “No revisions” can also mean guidance too vague to pin down — see the posture chip above. Not investment advice.