Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q1 FY2025-26 Earnings Presentation
37 slides from Bank Of Maharashtra's earnings presentation, Jul 15, 2025
Slide 1: Exchange filing letter: Investor Presentation
AX1/ISD/STEX/63/2025-26 Date: 15th July, 2025 The General Manager The Vice President Department of Corporate Services, Listing Department, BSE Ltd., National Stock Exchange of India Ltd., P.J Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai-400 001 Bandra (East), Mumbai-400 0
Slide 2: UnClassified www.bankofmaharashtra.in /mahabank
1 UnClassified www.bankofmaharashtra.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 – 17 5 Asset Quality 18 - 23 6. Capital 24 - 25 7. Digital Banking 26 - 28 8. Financial Inclusion 29 9. Expanding Footprints 30 10. Other Information 31 - 33 2 UnClassified www.b
Slide 4: Macro-Economic Highlights
Macro-Economic Highlights Positives India became the 4th largest global economy in 2025, driven by GDP Growth domestic reforms and global positioning under the vision Real GDP growth for 2025-26 is projected at 6.5%, signaling strong economic momentum. of Aatmanirbhar Bharat. Monetary Policy Global
Slide 5: Major Highlights (Y-o-Y)
Major Highlights Business Performance Financial Performance Asset Quality Capital (Y-o-Y) (Q: Jun` 25 vis-à-vis Q: Jun` 24) Net Profit Operating Profit Net Interest Income Return on Assets Cost to Income Increased by Increased by Increased by 1.80 (1.72) 37.57 (37.87) 23.14% 12.01% 17.60% Total Busi
Slide 6: Business Performance: Total Business
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Business 14.63% (Y-o-Y) ( ₹ in Crore ) (%) 6,00,000 100.00 5,46,979 5,46,143 5,07,650 4,93,793 5,00,000 4,76,447 90.00 4,00,000 80.00 3,00,000 70.00 2,00,000 60.00 1,00,000 50.00 - 40.00 Jun`24 Sept`24 Dec`24 Mar
Slide 7: Business Performance: Deposits and Gross Advances
Major Highlights Business Financial Performance Asset Quality Capital Performance 14.07% (Y-o-Y) 15.34% (Y-o-Y) ( ₹ in Crore ) (%) (%) Total Deposits ( ₹ in Crore ) Gross Advances 3,50,000 100 3,00,000 100 3,07,143 3,05,046 2,76,289 2,79,007 2,39,837 2,41,097 2,67,416 2,28,642 2,80,000 80 2,40,000 2
Slide 8: Business Performance: Investments
Major Highlights Business Financial Performance Asset Quality Capital Performance Investments ( ₹ in Crore ) 22.70% (Y-o-Y) M Duration (Total) 1,00,000 94,097 90,000 3.82 80,852 82,342 3.64 78,129 3.38 3.46 80,000 76,687 3.17 70,000 60,000 50,000 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 40,000 30,000 M D
Slide 9: Financial Performance: Profitability
Major Highlights Business Performance Financial Asset Quality Capital Performance Profitability (Quarterly) (Quarterly) ( ₹ in Crore ) Operating Profit 12.01% (Y-o-Y) ( ₹ in Crore ) Net Profit 23.14 % (Y-o-Y) 2,520 2,570 1,593 1,493 2,210 2,294 2,303 1,406 2,202 1,293 1,327 1,920 2,012 1,218 1,863 1
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 Jun`24 Mar`25 Jun`25 Y-o-Y (%) Mar`25 Total Income 6,769 7,711 7,879 16 28,402 Interest Income 5,875 6,731 7,054 20 24,947 Non-Int
Slide 11: Interest Earnings and Non-Interest Income
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Earnings Non-Interest Income (Quarterly) ( ₹ in Crore ) ( ₹ in Crore ) 20.07 % (Y-o-Y) Quarter Ended Year Ended 8,000 Particulars 7,054 6,731 Jun`24 Mar`25 Jun`25 Y-o-Y (%) Mar`25 7,000 6,325 6,017 5,875 Commi
Slide 12: Interest Expenses and Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance (Quarterly) Interest Expenses Operating Expenses (Quarterly) ( ₹ in Crore ) 22.33% (Y-o-Y) ( ₹ in Crore ) 10.58% (Y-o-Y) 4,000 3,762 1,800 3,614 1,577 3,381 1,600 1,547 3,500 3,211 1,428 3,076 1,396 1,399 1,397 2,882 1
Slide 13: Other Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Other Operating Expenses ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`24 Mar`25 Jun`25 Y-o-Y (%) Mar`25 Rent, Taxes & Lighting 75 89 85 14 327 Printing & Stationery 6 10 6 3 37 Advertising & Publicity 7 17 1
Slide 14: Provisions & Contingencies
Major Highlights Business Performance Financial Asset Quality Capital Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`24 Mar`25 Jun`25 Mar`25 Prov for Non Performing Assets 586 640 719 2,417 Prov for Standard/Restructured Assets 344 324 112 1,105 Prov f
Slide 15: 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 (%) 4.27 4.30 4.26 4.75 4.74 4.20 4.66 4.59 4.05 4.09 4.09 4.56 38.72 38.81 4.43 4.48 38.50 3.93 38.04 38.27 4.29 37.87 37.57 37.23
Slide 16: Key Financial Ratios: ROA and ROE
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) (Quarterly) Return on Assets (%) Return on Equity (%) 28.35 27.62 1.80 1.78 1.78 1.73 1.72 1.74 26.01 24.51 23.73 1.55 23.25 23.08 23.00 22.36 1.37 1.33 Jun`23 Sept`23 Dec`23 Mar`24 Jun
Slide 17: Assets & Liabilities – An Overview
Major Highlights Business Performance Financial Asset Quality Capital Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Jun`24 Mar`25 Jun`25 Cash & Balance with RBI 14,350 37,993 23,291 Balances with Bank & Call Money 142 4,202 3,460 Total Investments (Net of Depreciation & Provis
Slide 18: 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 Jun`24 Mar`25 Jun`25 (Y-o-Y) % Particulars Jun`24 Mar`25 Jun`25 Growth (Y-o-Y) % Gross Advances 2,09,031 2,39,837 2
Slide 19: Funded exposure to selected sectors and industries
Major Highlights Business Performance Financial Performance Asset Quality Capital Funded exposure to selected sectors & industries with total exposure (more than 1%) – June`25 Iron & Steel 1.21% Education 1.34% Top 3 selected sectors are Textiles 1.48% Infrastructure, Housing, and Petroleum, Coal Pr
Slide 20: 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 ) Jun`24 Mar`25 Jun`25 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 21: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality ( ₹ in Crore ) Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 2,05,158 98.15 2,
Slide 22: Gross & Net NPA, Provision Coverage, Credit Cost
Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) Provisions Coverage Ratio (%) 2.28 2.19 2.04 98.37 98.40 98.40 98.34 98.36 98.31 98.28 98.26 98.36 1.88 1.85 1.84 1.80 1.74 1.74 90.20 90.30 90.05 89.88 89.84 89.74 89.77 90.18 90.17 0.24 0.23 0.22
Slide 23: Movement of NPA and Sector-wise NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Movement of NPA ( ₹ in Crore ) Sector-wise Credit Deployment & NPA ( ₹ in Crore ) Last 5 Quarters Jun`24 Mar`25 Jun`25 Particulars Particulars Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sector Sector Sector Sector Sector Sect
Slide 24: Retail and MSME Sector NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA ( ₹ in Crore ) Jun`24 Mar`25 Jun`25 Particulars Retail Sector NPA % Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % 0.60 Total Retail Credit 53,161
Slide 25: Capital Adequacy
Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) Particulars Jun`24 Mar`25 Jun`25 20.53 20.06 RWA for Credit Risk 1,30,874 1,48,712 1,47,692 18.71 18.07 17.61 17.38 17.26 16.85 17.04 16.86 16.63 RWA for Market Risk 426 848 1,755 14.70 14.36 13.72
Slide 26: Equity Holding & Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Mutual funds/ Domestic Individuals; 7.48% No. of Shares (in crore) 708.14 708.14 769.16 769.16 769.16 UTI; 1.0
Slide 27: New Initiatives in Digital Banking
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Digital Banking Internet Banking Digital Sanctions • NCMC wallet Top-up Credit Proposal Trail Maintenance System (CPTMS) • 8 bin digit card •Platform to track, manage, and maintain
Slide 28: 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 • Migrated 2,611 branches (including 50 zonal offices) to Software Defined WAN, improving network reliability, performance,
Slide 29: Digital Footprints
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Digital Footprints Digital transaction (%) UPI/BHIM Users (Mio) Mobile Banking Users (Mio) 4.64 98.85 4.22 2.14 1.97 98.70 3.70 1.79 2.93 3.11 1.56 1.32 98.47 98.39 98.30 Jun`24 Sept`24 Dec`24 Mar`25
Slide 30: Financial Inclusion (in Lakhs)
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 81.04 80.74 80.55 80.61 72.08 70.94 78.79 66.2 65.36 65.66 Jun`24 Sept`24 Dec`24
Slide 31: Expanding Footprints
Digital Banking Financial Inclusion Expanding ESG Initiatives Products, Services & Footprints Awards No. of Branches Category Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Metro 614 619 632 645 648 Urban 549 553 564 578 591 Semi Urban 725 727 746 770 787 Rural 611 609 609 613 615 Total Branches 2,499 2,508 2,
Slide 32: 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 30.06.25 •Total 12,522 trees have been planted
Slide 33: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards 32 UnClassified www.bankofmaharashtra.in /mahabank
Slide 34: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards IBA Technology Award under India’s Leading Mid-Sized seven different categories for the Public Sector Bank at the consecutive year. Dun & Bradstreet BFSI & FinTech Summit 2025 Best Mid-sized Bank Awa
Slide 35: Notes
Notes 34 UnClassified www.bankofmaharashtra.in /mahabank
Slide 36: Notes
Notes 35 UnClassified www.bankofmaharashtra.in /mahabank
Slide 37: UnClassified www.bankofmaharashtra.in /mahabank
36 UnClassified www.bankofmaharashtra.in /mahabank
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