Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q4 FY26 Earnings Presentation
37 slides from Bank Of Maharashtra's earnings presentation, Apr 20, 2026
Slide 1: Exchange filing cover letter for investor presentation
AX1/ISD/STEX/12/2026-27 Date: 20.04.2026 The Vice President The Vice President BSE Ltd., National Stock Exchange of India Ltd., P.J Towers, Exchange Plaza, Dalal Street, Bandra Kurla Complex, Mumbai-400 001 Bandra (East), Mumbai-400 051 BSE Scrip Code: 532525 NSE Scrip Code: MAHABANK Dear Sir/ Madam
Slide 2: UnClassified www.bankofmaharashtra.bank.in /mahabank
UnClassified www.bankofmaharashtra.bank.in /mahabank
Slide 3: Contents
Contents Page 1. Macro Economic Highlights 3 2. Major Highlights 4 3. Business Performance 5-7 4. Financial Performance 8 – 19 5 Asset Quality 20 - 25 6. Capital 26 - 27 7. Digital Banking 28 - 30 8. Financial Inclusion 31 9. Expanding Footprints 32 10. Other Information 33 - 35 2 UnClassified www.b
Slide 4: Macro-Economic Highlights
Macro-Economic Highlights Positives Key Challenges GDP Growth Geopolitical Tensions As per RBI, growth is estimated at 7.6% for FY26, indicating strong economic momentum. Escalation in West Asia conflict may disrupt supply chains and slowdown global growth. Revised forecasts for FY27– RBI 6.9%, IMF
Slide 5: Major Highlights
Major Highlights Business Performance Financial Performance Asset Quality Capital Q4 FY26 vs Q4 FY25 Quarter-on-Quarter YoY P R OF I T A B I L I T Y Net Profit Operating Profit Net Interest Income Return on Assets Cost to Income +34.89% +16.92% +18.81% 1.97 (1.78) 36.51 (38.50) FY26 vs FY25 Full Yea
Slide 6: Business Performance: Total Business
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Business 17.47 % (Y-o-Y) ( ₹ in Crore ) (%) 7,00,000 100 6,42,531 5,95,163 95 6,00,000 5,63,909 5,46,979 5,46,143 90 5,00,000 85 80 4,00,000 75 3,00,000 70 2,00,000 65 60 1,00,000 55 - 50 Mar`25 Jun`25 Sept`25 De
Slide 7: Business Performance: Total Deposit and Global Advances
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Deposit Global Advances 14.14 % (Y-o-Y) 21.74 % (Y-o-Y) ( ₹ in Crore ) (%) (%) ( ₹ in Crore ) 4,00,000 100 3,50,000 100 3,50,564 2,91,967 90 90 3,00,000 2,73,502 3,50,000 3,21,661 3,07,143 3,05,046 3,09,791 2,54,
Slide 8: Business Performance: Investments
Major Highlights Business Financial Performance Asset Quality Capital Performance Investments ( ₹ in Crore ) 24.13 % (Y-o-Y) M Duration (Total) 1,20,000 1,03,961 1,02,207 4.16 4.27 97,104 3.82 3.93 1,00,000 94,097 82,342 3.17 80,000 60,000 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 40,000 M Duration (AFS+H
Slide 9: Profitability
Major Highlights Business Performance Financial Asset Quality Capital Performance Profitability (Quarterly) (Quarterly) ( ₹ in Crore ) ( ₹ in Crore ) NII: 18.81 % (Y-o-Y) Operating Profit: 16.92 % (Y-o-Y) Net Profit: 34.89 % (Y-o-Y) 3,702 3,292 3,248 3,422 2,946 2,943 3,116 2,570 2,574 2,736 2,799 2
Slide 10: Statement of Income and Expenditure
Major Highlights Business Performance Financial Asset Quality Capital Performance Statement of Income and Expenditure ( ₹ in Crore ) Quarter ended Year ended Particulars Mar`25 Dec`25 Mar`26 Y-o-Y (%) Mar`25 Mar`26 Y-o-Y (%) Total Income 7,711 8,277 8,693 13 28,402 32,823 16 Interest Income 6,731 7,
Slide 11: Interest Earnings
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Earnings (Quarterly) (Year Ended) ( ₹ in Crore ) 15.22 % (Y-o-Y) ( ₹ in Crore ) 17.37 % (Y-o-Y) 8,000 7,755 29,282 7,344 30,000 7,054 7,128 6,731 24,947 6,325 6,400 6,017 24,000 5,875 5,467 20,495 4,800 18,000
Slide 12: Non-Interest Income
Major Highlights Business Performance Financial Asset Quality Capital Performance Non-Interest Income ( ₹ in Crore ) Quarter ended Year Ended Particulars Mar`25 Dec`25 Mar`26 Y-o-Y (%) Mar`25 Mar`26 Y-o-Y (%) Comm. from Advances 263 319 272 3 897 1,044 16 Other Commissions 252 209 226 (10) 844 818 (
Slide 13: Interest Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Expenses (Quarterly) (Year Ended) ( ₹ in Crore ) 17.59 % (Y-o-Y) ( ₹ in Crore ) 12.13 % (Y-o-Y) 4,200 4,053 3,881 3,922 18,000 3,762 3,614 15,618 3,381 3,500 15,000 3,211 3,076 13,282 2,882 2,800 12,000 10,673
Slide 14: Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Operating Expenses (Quarterly) (Year Ended) ( ₹ in Crore ) 7.42 % (Y-o-Y) ( ₹ in Crore ) 16.17 % (Y-o-Y) 7,200 1,800 1,694 1,620 6,379 1,577 1,547 1,519 5,801 1,428 6,000 1,500 1,396 1,399 1,397 4,814 4,800 1,200 3,849
Slide 15: Provisions & Contingencies
Major Highlights Business Performance Financial Asset Quality Capital Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Year Ended Particulars Mar`25 Dec`25 Mar`26 Mar`25 Mar`26 Prov for Non Performing Assets 640 660 664 2,417 2,626 Prov for Standard/Restructured Assets 324 79 69 1
Slide 16: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Cost of Deposits (%) Cost of Funds (%) Cost to Income (%) 38.72 38.81 4.66 4.75 4.74 4.67 38.27 38.50 4.56 4.59 37.87 4.48 4.47 4.27 4.30 4.26 4.32 37.57 4.33 4.20 37.10 37.19 4.09 4.09
Slide 17: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Yield on Advances (%) Yield on Funds (%) Yield on Investments (%) 9.14 9.21 9.27 9.30 9.28 9.19 8.96 8.92 7.99 8.01 7.99 6.99 8.72 7.87 7.93 6.86 6.87 6.87 6.89 6.86 6.84 7.76 7.81 6.71
Slide 18: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Return on Assets (%) Return on Equity (%) 1.97 1.86 1.82 28.35 27.62 1.80 26.61 1.78 1.78 26.01 1.73 1.72 1.74 23.79 22.36 23.08 23.00 22.58 Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 S
Slide 19: Assets & Liabilities – An Overview
Major Highlights Business Performance Financial Asset Quality Capital Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Cash & Balance with RBI 37,993 23,291 17,276 10,678 26,645 Balances with Bank & Call Money 4,202 3,460 662 142 1,100 Total In
Slide 20: Credit Portfolio – Balanced Loan Growth
Major Highlights Business Performance Financial Asset Quality Capital Performance ( ₹ in Crore ) Credit Portfolio – Balanced Loan Growth ( ₹ in Crore ) Growth RETAIL CREDIT Particulars Mar`25 Dec`25 Mar`26 (Y-o-Y) % Particulars Mar`25 Dec`25 Mar`26 Growth (Y-o-Y) % Domestic Advances 2,39,837 2,69,98
Slide 21: Funded exposure to selected sectors & industries
Major Highlights Business Performance Financial Performance Asset Quality Capital Funded exposure to selected sectors & industries with total exposure (more than 1%) – Mar`26 Housing Finance Companies (HFCs) 1.19% Education 1.22% Top 3 selected sectors are Infrastructure, Housing, and Iron & Steel 1
Slide 22: External Rating-wise Advances – Above 25 Cr
Major Highlights Business Performance Financial Performance Asset Quality Capital External Rating-wise Advances – Above 25 Cr ( ₹ in Crore ) Mar`25 Dec`25 Mar`26 Particulars No. of % of O/s No. of % of O/s No. of % of O/s O/s Amount O/s Amount O/s Amount Borrowers Amount Borrowers Amount Borrowers A
Slide 23: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality ( ₹ in Crore ) Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 2,35,652 98.26 2,
Slide 24: Asset Quality: Gross & Net NPA, Provision Coverage
Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) Provisions Coverage Ratio (%) 1.88 1.85 1.84 1.80 98.59 1.74 1.74 1.72 98.34 98.36 98.31 98.28 98.26 98.36 98.34 98.41 1.60 1.45 91.43 90.18 90.17 90.37 90.70 89.88 89.84 89.74 89.77 0.20 0.20 0.20
Slide 25: Movement of NPA and Sector-wise Credit Deployment
Major Highlights Business Performance Financial Performance Asset Quality Capital Movement of NPA ( ₹ in Crore ) Sector-wise Credit Deployment & NPA ( ₹ in Crore ) Last 5 Quarters Mar`25 Dec`25 Mar`26 Particulars Particulars Sector Sector Sector Sector Sector Sector Mar`25 Jun`25 Sept`25 Dec`25 Mar`
Slide 26: Retail and MSME Sector NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA ( ₹ in Crore ) Mar`25 Dec`25 Mar`26 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % Total Retail Credit 64,853 194
Slide 27: Capital Adequacy
Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) ( ₹ in Crore ) Particulars Mar`25 Dec`25 Mar`26 20.53 RWA for Credit Risk 1,48,712 1,77,278 1,86,728 20.06 18.71 18.36 18.13 17.38 17.04 17.26 17.06 16.86 16.63 RWA for Market Risk 848 2,028 1,485
Slide 28: Equity Holding & Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Domestic No. of Shares (in crore) 769 769 769 769 769 Individuals; Companies; 0.44% 6.24% Mutual funds/ Market
Slide 29: New Initiatives in Digital Banking
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Digital Banking Zen Lyfe DigiLEAP (Digital Liability Express Account Platform) Digital Sanctions • The app is available in 11 Languages • Bank has implemented Tab based account ope
Slide 30: New Initiatives in Information Technology
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Information Technology To enhance Core Technology Infra • Cyber & Network Security: Upgraded perimeter security by migrating to next-gen Palo Alto firewalls and strengthened intern
Slide 31: Digital Footprints
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Digital Footprints Digital transaction (%) UPI/BHIM Users (Mio) Zen Lyfe (Mobile Banking Users in Mio)* 98.92 1.11 98.89 6.97 6.60 98.85 6.12 98.84 4.64 4.22 0.59 98.70 Mar`25 Jun`25 Sept`25 Dec`25 M
Slide 32: Financial Inclusion
Digital Banking Financial Expanding Footprints ESG Initiatives Products, Services & Inclusion Awards Financial Inclusion (in Lakhs) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri Suraksha Bima Yojana 86.68 88.57 84.84 83.60 70.94 72.08 75.06 82.67 80.61 81.04 Mar`25 Jun`25 Sept`25
Slide 33: Expanding Footprints
Digital Banking Financial Inclusion Expanding ESG Initiatives Products, Services & Footprints Awards No. of Branches Category Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Metro 645 648 657 672 692 Urban 578 591 598 608 625 Semi Urban 770 787 793 809 829 Rural 613 615 617 630 639 Total Branches 2,606 2,641 2,
Slide 34: ESG Initiatives
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Maha Green Pehal Green Finance E-Waste Tree Plantation •Collection of Climate Risk related •Maha Super Green Housing Loan •Total E-waste collected as on 31.03.26 •Total 16022 trees have been planted
Slide 35: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards UnClassified www.bankofmaharashtra.bank.in /mahabank
Slide 36: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Public Sector Bank of the IBEX India BFSI Tech Awards "Best Mid-Sized Bank" Year in the Institutional 2026 with four prestigious award at the Business Category at the prestigious recognitions across
Slide 37: UnClassified www.bankofmaharashtra.bank.in /mahabank
36 UnClassified www.bankofmaharashtra.bank.in /mahabank