Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Investor Presentation (September 2026)
36 slides from Bank Of Maharashtra's investor presentation, Sep 7, 2026
Slide 1: Intimation of Investor Presentation to stock exchanges
` Investor Services Department Corporate Office: Montclaire, 134/1, Baner- Pashan Link Road, Pashan, Pune 411021 E-mail: investor_services@bankofmaharashtra.bank.in Phone nos - 020-71658139 www.bankofmaharashtra.bank.in AX1/ISD/STEX/58/2026-27 Date: 7th September, 2026 The Vice President The Vice Pre
Slide 2: Investor Presentation September 2026
INVESTOR PRESENTATION September 2026 1
Slide 3: Table of Contents
Table of Contents 1 Bank of Maharashtra – An Overview 3 2 Key Business Highlights 7 3 Digital Initiatives & Growth Outlook 18 4 Summary of Key Financials 22 5 Annexures 28 2
Slide 4: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview 3
Slide 5: Bank of Maharashtra | Overview
Bank of Maharashtra | Overview ₹ 6,504.57 bn ₹ 3,444.93 bn ₹ 3,059.64 bn ₹ 4,263.03 bn Scale Total Business Total Deposits Global Advances Total Assets CAGR: 16.69% CAGR: 13.34% CAGR: 21.18% CAGR: 15.55% ₹ 20.2 bn 3.79 % 24.65 % 1.90% Profitability PAT 1 Net Interest Margin1 ROE1 % ROA1 % Y-o-Y: 26.
Slide 6: Core Competencies & Key Strategies
Core Competencies & Key Strategies • Strengthening deposit base through institutional and retail growth. 1935 31 Mn 90+ Year Legacy • Key focus on salaried segments - particularly Year of Incorporation Customers permanent employees of Central / State Govt, PSUs, Govt. Institutions, etc. • Expanded p
Slide 7: Total Business nearly doubled since Mar'22, registering a CAGR of 17%
Total Business nearly doubled since Mar`22, registering a CAGR of 17 % (%) ( ₹ in Bn ) 95% 7,000.00 6,504.57 6,425.31 90% 6,000.00 5,469.79 85% 5,000.00 4,744.11 80% 4,092.03 75% 4,000.00 3,375.34 70% 3,000.00 65% 2,000.00 60% 1,000.00 55% - 50% Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Total Deposi
Slide 8: Key Business Highlights
Key Business Highlights 7
Slide 9: Core Strengths of the Bank
Core Strengths of the Bank Granular portfolio with strong growth over the years High quality liability profile with best-in-class CASA ratio over the years PAN India presence with focus on geographical diversification Strong Capital Adequacy and Asset Quality Consistently delivering high margins and
Slide 10: Granular portfolio with strong growth over the years
Granular portfolio with strong growth over the years Advances Growth Trajectory (₹ in Bn) xx% CAGR Total Advances Retail MSME Agri Corporate & Others 896.61 1,186.27 3,059.64 553.86 422.90 262.79 545.70 1,352.40 189.68 354.22 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Ju
Slide 11: High quality liability profile with best-in-class CASA ratio over the years
High quality liability profile with best-in-class CASA ratio over the years ( ₹ in 10’s of Bn ) xx% CAGR Current Deposits Savings Deposits Term Deposits 178 166 58 128 143 126 46 117 128 108 38 97 109 35 89 85 28 28 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26
Slide 12: PAN India presence with focus on geographical diversification
PAN India presence with focus on geographical diversification Focus on diversifying presence with 59% branches outside Maharashtra Expanding footprints with steady increase in branch network… Branches 2,816 * 2,606 2,641 2,489 2,203 2,022 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 * Total number of g
Slide 13: Strong Capital Adequacy
Strong Capital Adequacy Maintaining Stable Capital Ratios ( ₹ in Bn ) ( in % ) Particulars Jun`25 Mar`26 Jun`26 20.53 20.06 RWA for Credit Risk 1,477 1,867 1,906 18.71 18.36 18.64 18.13 17.04 17.26 17.06 16.86 16.63 16.35 RWA for Market Risk 18 15 13 15.41 14.70 14.96 13.95 13.40 13.13 RWA for Opera
Slide 14: Better Asset Quality (1)
Better Asset Quality (1) Gross & Net NPA % Provision Coverage Ratio % Credit Cost % 3.94 1.91 98.28 98.34 98.26 98.59 98.55 94.79 2.47 1.88 1.74 91.43 1.29 1.45 1.45 90.44 89.88 90.18 91.29 0.97 1.07 1.01 0.99 0.25 0.20 0.18 0.90 0.13 0.13 76.43 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Mar`22 Mar`2
Slide 15: Better Asset Quality (2)
Better Asset Quality (2) Sector-wise Credit Deployment & NPA ( ₹ in Bn ) Jun`25 Mar`26 Jun`26 Particulars Sector Sector Sector Sector Sector Sector Advances Advances Advances NPA NPA % NPA NPA % NPA NPA % Retail Sector 720 3 0.39 859 2 0.27 897 3 0.34 Agriculture Sector 328 32 9.65 402 31 7.72 423 3
Slide 16: Better Asset Quality (3)
Better Asset Quality (3) Retail Sector - NPA ( ₹ in Bn ) Jun`25 Jun`26 Retail Sector NPA % Particulars Sector Sector Sector Advances Sector NPA Advances 0.99 NPA % NPA NPA % Total Retail Credit 720 3 0.39 897 3 0.34 0.68 of which 0.43 Housing 400 1 0.16 516 1 0.22 0.30 0.34 0.27 Education 27 0 0.08
Slide 17: Consistently delivering high margins and profits
Consistently delivering high margins and profits ( ₹ in Bn ) Net Interest Income Y-o-Y: 14.53% Operating Profit Y-o-Y: 21.29% Net Profit Y-o-Y: 26.84% 70.19 136.64 108.26 116.66 93.19 55.20 98.22 80.05 40.55 77.41 60.99 60.44 48.48 26.02 37.70 31.17 20.20 32.92 25.70 15.93 11.52 Mar`22 Mar`23 Mar`24
Slide 18: Experienced Board Members
Experienced Board Members Started his banking career at Bank of Baroda & later moved to UCO Bank. He has over 26 years of experience working in diversified areas of A seasoned banker with 30 years of experience. He started his banking. Prior to joining Bank of Maharashtra, he was the Executive banki
Slide 19: Digital Initiatives and Growth Outlook
Digital Initiatives and Growth Outlook 18
Slide 20: Digital Footprints
Digital Footprints Tab Banking & White label WhatsApp / Door Step Online Saving Payment FASTag QUICK pay V-KYC Chatbot Banking Account Gateway Opening 1 2 3 4 5 6 7 Zen Lyfe (Mobile Banking Users in Whats App Users (Mio.) UPI/BHIM Users (Mio) Mio) * 9.37 1.39 2.89 2.77 6.60 6.97 1.11 2.27 6.12 1.96
Slide 21: New Initiatives in Information Technology
New Initiatives in Information Technology Digital Sanctions Implementation of Digital MUDRA STP CC (up to Central Bank Digital Currency Rs. 1 Mn) (NTB) • Introduction of PIN-less Transactions ➢The digital Mudra Cash credit facility is a digital (Android & iOS) - ₹ 500 per transaction, initiative aim
Slide 22: Our Growth Strategies
Our Growth Strategies Improvement in credit quality through business and technological integration Emphasis on core Retail, Agriculture, and MSME business & through collaboration (Co-lending partnership) Adopting Digital Platform for onboarding of customers, operations & compliance Increase in share
Slide 23: Summary of Key Financials
Summary of Key Financials 22
Slide 24: P & L Highlights
P & L Highlights ( ₹ in Bn ) Quarter Ended Year Ended (Audited) Particulars Jun`25 * Mar`26 Jun`26 * Y-o-Y (%) Mar`25 Mar`26 Y-o-Y (%) Total Income 79 87 91 15 284 328 16 Interest Income 71 78 80 14 249 293 17 Non-Interest Income 8 9 10 25 35 35 3 Total Expenses 53 57 59 12 191 220 15 Interest Expen
Slide 25: Interest and Non-Interest Income
Interest and Non-Interest Income ( ₹ in Bn ) Quarter Ended Year Ended (Audited) Particulars Jun`25 * Mar`26 Jun`26 * Y-o-Y (%) Mar`25 Mar`26 Y-o-Y (%) Interest on Advances 54 60 63 16 193 225 17 Interest on Investment 15 17 17 16 54 65 22 Other Interest Income 2 0 0 (71) 3 3 (8) Total Interest Incom
Slide 26: Provisions – Credit cost provision trending down
Provisions – Credit cost provision trending down ( ₹ in Bn ) * Quarter Ended Year Ended (Audited) Particulars Jun`25 * Mar`26 Jun`26 * Mar`25 Mar`26 Prov for Non Performing Assets 7 7 8 24 26 Prov for Standard/Restructured Assets 1 1 1 1 4 Prov for Non-performing Investment 0 (0) (0) (0) (0) Other p
Slide 27: Balance Sheet Highlights
Balance Sheet Highlights ( ₹ in Bn ) Year Ended (Audited) Quarter Ended Assets Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 * Cash & Balance with RBI 197 185 212 380 266 149 Balances with Bank & Call Money 2 0 92 42 11 5 Total Investments (Net of Depreciation & Provision) 686 689 683 820 1,015 1,005 To
Slide 28: Key Financial Ratios
Key Financial Ratios ( ₹ in Bn ) Particulars Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Key Liabilities Net worth 101.76 127.65 171.78 258.81 302.72 327.8 Deposits 2,022.94 2,340.83 2,707.47 3,071.43 3,505.64 3,444.93 CASA % 57.85% 53.38% 52.73% 53.28% 52.51% 48.51% Key Assets Net Advances 1,311.7 1,
Slide 29: Annexures
Annexures 28
Slide 30: Funded exposure to selected sectors & industries with total exposure (more than 1%)
Funded exposure to selected sectors & industries with total exposure (more than 1%) Jun`26 Education 1.16% Housing Finance Companies (HFCs) 1.19% Top 3 selected sectors are Micro Financial Institutions (MFIs) 1.21% Infrastructure, Housing, and Agriculture & Allied Activities, Iron & Steel 1.21% whic
Slide 31: Loan Book
Loan Book ( ₹ in Bn ) ( %) 3,500.00 80% 3,059.64 3,000.00 2,919.67 75% 2,500.00 2,398.37 70% 2,036.64 2,000.00 1,751.20 65% 1,500.00 1,352.40 60% 1,000.00 55% 500.00 0.00 50% Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Retail Sector 354.22 434.33 517.27 648.53 858.57 896.61 Agriculture Sector 189.68 2
Slide 32: Stable Ratings Profile despite Challenging Environment
Stable Ratings Profile despite Challenging Environment External Rating-wise Advances – Above 250 Mn Jun`25 Jun`26 Particulars No. of % of O/s No. of % of O/s O/s Amount O/s Amount Borrowers Amount Borrowers Amount Total Eligible Advances for External 552 1,063 100 692 1,396 100 Rating AAA 11 49 5 16
Slide 33: Investments
Investments ( ₹ in Bn ) M Duration (Total) 1,200.00 4.27 4.25 1,039.61 1,022.07 1,011.49 4.16 1,000.00 971.04 940.97 3.93 3.82 800.00 600.00 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 400.00 M Duration (AFS+HFT) 200.00 3.89 3.84 3.78 3.73 0.00 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 HTM 570.53 577.88 561.56 573
Slide 34: ESG Initiatives
ESG Initiatives Green Finance E-Waste Tree Plantation Maha Super Green Housing Loan Scheme- Total E-waste collected as of Jun`26 ~ 316 Total 16,522 trees have been planted Green Building : ₹ 2.03 Bn as of Jun`26 Ton nationwide as contribution towards making the environment better as of Maha Super Gr
Slide 35: Recent Awards
Recent Awards "Best Mid-Sized Bank" award at the Business 'Best Public Sector Bank Today Banking & Economy at the National Level for Summit 2026. 2025' by the State Forum of Bankers Club, Kerala. Public Sector Bank of the IBEX India BFSI Tech Year in the Institutional Awards 2026 with four Category
Slide 36: Thank You
Thank You
Bank of Maharashtra — Investor Presentation (September 2026) on 6ix