Introduction
Canara Bank has shown robust growth in the fourth quarter of fiscal 2025. It is a solid outcome that underlines the bank’s improving momentum. Readers will find insights on revenue gains, profit jumps, and why the earnings per share look unusual this time. 🚀
Main Points
Revenue Highlights
- Revenue from operations reached ₹40,256.19 crore.
- A quarter-on-quarter gain of 7.55 percent and year-on-year rise of 7.68 percent.
- Retail lending and treasury sales drove most of the growth.
- International business chipped in another ₹1,700 crore.
Profit Performance
- Profit Before Tax (PBT) soared to ₹6,575.93 crore.
• QoQ improvement of 19.23 percent.
• YoY surge of 32.57 percent. - Net Profit (PAT) climbed to ₹5,070.19 crore.
• Up 20.29 percent over last quarter.
• Up 28.29 percent compared to Q4 FY24. - Lower provisioning and healthy core margins boosted the bottom line.
Earnings Per Share
- Reported EPS stands at ₹5.59.
• QoQ jump of 20.21 percent.
• YoY drop of 74.35 percent. - The big year-over-year fall is purely due to the share split. Pre-split EPS was ₹27.95 versus ₹84.22 last year.
- Do not let that number scare you; it is an accounting twist rather than real earnings shrink.
Cost & Efficiency
- Operating expenses edged up modestly.
- Efficiency gains in treasury and retail segments improved leverage.
- Return on Assets climbed to 1.23 percent.
- The bank feels leaner and more focused than a year ago.
Strategic Developments
- Dividend of ₹4 per share declared (200 percent on ₹2 face value).
- ₹1,724 crore of provisions reversed after selling stressed assets to NARCL.
- Fresh bond issuance of ₹7,000 crore, while redeeming ₹6,500 crore in the year.
Conclusion
Canara Bank’s Q4 FY25 numbers show strength across the board. Revenue and profit are both climbing, and the EPS anomaly is just a split effect. This quarter cements the view that the bank is gaining steam and managing risks sensibly.