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Bank of Maharashtra (MAHABANK) investor relations material
Bank of Maharashtra Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Business overview and growth
Total business nearly doubled since March 2022, reaching ₹6,504.57 bn by June 2026, with a CAGR of 16.69%.
Advances grew at a CAGR of 21.18%, with retail, agriculture, and MSME segments showing strong momentum.
PAN India presence with 59% of branches outside Maharashtra and 826 new branches opened since April 2022.
Focus on strengthening deposit base, especially low-cost CASA deposits, which stood at 48.51% in June 2026.
Retail loans account for 29% of the loan book, with RAM (Retail, Agriculture, MSME) portfolio comprising 63% of domestic advances.
Financial performance and asset quality
Net profit for June 2026 was ₹20.2 bn, up 26.84% YoY; NIM at 3.79%, ROE at 24.65%, and ROA at 1.90%.
Gross NPA reduced to 1.45% and Net NPA to 0.13%, with a high provision coverage ratio of 98.55%.
Cost-to-income ratio improved to 35.04% and credit cost provision trended down.
Capital adequacy ratio (CRAR) at 18.64% and Tier 1 capital at 16.35% as of June 2026.
Consistent improvement in asset quality across retail, MSME, and corporate segments.
Digital initiatives and technology
Launched Zen Lyfe mobile banking app, digital onboarding, V-KYC, and digital Mudra loans for seamless customer experience.
Significant growth in digital users: 1.11 million mobile banking users and 9.37 million UPI/BHIM users by June 2026.
Enhanced digital services include FASTag, payment gateway, WhatsApp banking, and e-rupee integration.
Focus on technology-driven growth, operational efficiency, and customer convenience.
- Net profit up 27% YoY, advances surged, asset quality and capital ratios remained robust.MAHABANK
Q1 26/27 - Strong growth, digital innovation, and improved asset quality drive robust financial performance.MAHABANK
Investor presentation - FY26 net profit up 27% YoY, with strong asset quality, capital adequacy, and digital growth.MAHABANK
Q4 25/26 - Net profit up 26.5% YoY, asset quality improved, interim dividend declared, and public shareholding rose.MAHABANK
Q3 25/26 - Net profit up 46.64% YoY, asset quality improved, and capital adequacy exceeded 17%.MAHABANK
Q1 24/25 - Net profit up 44.25% YoY, asset quality improved, and major capital raised.MAHABANK
Q2 24/25 - Q3 FY25 net profit up 35.8% YoY, business at ₹5,07,650 crore, GNPA at 1.80%, CRAR at 18.71%.MAHABANK
Q3 24/25 - Net profit up 36.12% YoY, asset quality improved, and a ₹1.50 dividend per share was proposed.MAHABANK
Q4 24/25 - Net profit up 23.14% YoY, asset quality improved, and digital transactions reached 98.70%.MAHABANK
Q1 25/26
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