Bank of Maharashtra (MAHABANK) Investor presentation summary

Business overview and growth

• Total business doubled since Mar'21, reaching ₹6,42,531 Cr at a CAGR of 17.93%.

• Net profit for FY26 was ₹7,019 Cr, up 27.17% YoY, with a net interest margin of 3.90%.

• Asset quality improved, with gross NPA at 1.45% and net NPA at 0.13%.

• CASA ratio remained strong at 52.51%, supporting a low cost of funds.

• PAN India presence with 2,785 branches, 92% of new branches outside Maharashtra.

Key investment highlights

• Advances grew to ₹2,91,967 Cr, with retail, MSME, and agriculture sectors showing robust growth.

• High-quality liability profile with best-in-class CASA ratio sustained over years.

• Asset quality strengthened, with provision coverage ratio at 98.59%.

• Consistent delivery of high margins and profits, with ROE at 23.19% and ROA at 1.86%.

• Diversified loan book, with infrastructure, housing, and agriculture comprising over 49% of exposure.

Digital initiatives and technology

• Digital transaction share reached 98.92%, with significant growth in UPI/BHIM users and QR merchant onboarding.

• Launched multilingual app, digital onboarding for loans, and CBDC-based payments.

• Implemented digital Mudra loans, SHG loans, and vehicle loans for new-to-bank customers.

• Enhanced compliance and trade finance through new digital platforms.