Canara Bank's executive director SK Majumdar has expressed optimism regarding the bank's financial standing for the fiscal year 2027. The bank's net interest margin (NIM) has stabilized at 2.54%, with Majumdar stating that it is sustainable despite a declining interest rate environment. The bank reported a headline deposit growth of 9.7% for Q4, which he clarified was affected by timing issues with corporate and government deposits, asserting that sustainable growth is closer to 11-12% year-on-year. The recent 26% drop in operating profit was largely due to one-off factors, including significant income from subsidiary sales in the previous quarter and lower treasury income due to geopolitical uncertainties. Looking ahead, Canara Bank estimates it will need to set aside ₹10,000 crore for Expected Credit Loss (ECL) provisions, but Majumdar believes this can be managed within one to two years without the need for fresh equity, given the bank's robust profit levels and strong asset quality. The return on assets (ROA) is expected to recover above 1% consistently as treasury income improves.