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Bank of Maharashtra
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.Investor presentation summary1 Sep, 2026
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.
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Latest events from Bank of Maharashtra
- Strong balance-sheet growth was offset by lower profit, rising NPAs and audit concerns.MAHABANK
Q4 00/01 - Profit more than tripled as NPAs fell, but audit uncertainties remained material.MAHABANKQ4 01/02
- Profit rose 52.68%, with stronger capital and lower net NPAs amid audit uncertainties.MAHABANKQ4 02/03
- One-time charges cut profit, while lending growth, capital strength and asset quality improved.MAHABANKQ4 04/05
- Profit rose 37.17% as advances grew and net NPAs fell to 2.46%.MAHABANKQ4 03/04
- Investment write-downs cut profit sharply as advances grew and funding shifted to low-cost deposits.MAHABANKQ4 05/06
- FY07 growth and recovery lifted profit as asset quality improved and expansion accelerated.MAHABANKQ4 06/07
- Business and profit grew strongly, but margins and capital adequacy weakened.MAHABANKQ4 07/08
- Growth and improving NPA ratios were tempered by audit caveats and an income-recognition change.MAHABANKQ4 08/09
- Strong growth and full CBS rollout, offset by rising NPAs and audit concerns.MAHABANKQ4 09/10
Next Bank of Maharashtra earnings date
Q2 26/2726 Oct, 2026
Bank of Maharashtra
Next Bank of Maharashtra earnings date
Q2 26/2726 Oct, 2026
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