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Investor Relations14 Oct 2025
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Bank of Maharashtra (MAHABANK) investor relations material
Bank of Maharashtra Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary14 Oct, 2025
Executive summary
Total business grew 14.20% year-over-year to ₹5,63,909 crore, with deposits up 12.13% and advances up 17%.
Net profit increased 23% year-over-year to ₹1,633 crore for Q2 FY26; operating profit rose 17%.
S&P Global assigned a BBB- rating, a 3-notch improvement; FII holding increased from 0.39% to 2.58%.
Project 321 aims to open 321 new branches in 18 months, focusing on growth centers outside Maharashtra.
Board approved unaudited standalone and consolidated results for Q2 and H1 FY26, with auditors issuing an unmodified limited review opinion.
Financial highlights
Net interest income grew 15.71% year-over-year; NIM stood at 3.98% for Q2 FY26.
Total income for Q2 FY26 was ₹7,974 crore, up 17% year-over-year; non-interest income increased 7%.
Cost-to-income ratio improved to 37.1%.
Provision coverage ratio as of 30 September 2025 stood at 98.34%.
Standalone net profit for H1 FY26 was ₹3,22,590 lakh, up from ₹2,62,026 lakh in H1 FY25.
Outlook and guidance
NIM guidance maintained at 3.75% despite deposit repricing and rate cut impacts.
Credit cost expected to remain below 1%, including ECL impact.
GDP growth forecast for FY26 revised upward to 6.8%; inflation forecast lowered to 2.6%.
Guidance to maintain CASA above 50% and capital adequacy at healthy levels.
Bank continues to hold a COVID-19 related contingency provision of ₹1,200 crore.
Independent Director shortfall impact
COVID-19 provision utilization plan
MGB pension liability amortization strategy
How will new branch locations drive profitability?
How will agri book rebalancing impact asset quality?
Clarify capital raise timing and primary drivers.
New branch growth strategy and target regions
Agri NPA drivers and rebalancing strategy?
Fundraise timing and capital deployment plans?
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Next Bank of Maharashtra earnings date
Q3 25/2615 Jan, 2026
Next Bank of Maharashtra earnings date
Q3 25/2615 Jan, 2026
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