Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q1 FY2026-27 Earnings Presentation

33 slides from Bank Of Maharashtra's earnings presentation, Jul 10, 2026

  1. Slide 1: Investor Presentation filing letter 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/40/2026-27 Date: 10th July, 2026 The Vice President The Vice President

  2. Slide 2: Financial Results for Quarter Ended 30th June 2026

    Financial Results For Quarter Ended, 30th June 2026 UnClassified www.bankofmaharashtra.bank.in /mahabank

  3. Slide 3: Contents

    Contents Page 1. Macro Economic Highlights 3 2. Major Highlights 4 3. Business Performance 5-7 4. Financial Performance 8 – 15 5 Asset Quality 16 - 21 6. Capital 22 - 23 7. Digital Banking 24 - 26 8. Financial Inclusion 27 9. Expanding Footprints 28 10. Other Information 29 - 31 2 UnClassified www.b

  4. Slide 4: Macro-Economic Highlights

    Macro-Economic Highlights Positives Key Challenges GDP Growth External Pressures As per RBI, real GDP growth is projected at 6.6% for FY 2026-27, indicating strong economic Geopolitical tensions, including the Iran–US war, crude price volatility, and a weakening momentum. rupee are straining India’s

  5. Slide 5: Major Highlights

    Major Business Financial Asset Quality Capital Highlights Performance Performance Q1 FY 26-27 vs Q1 FY 25-26 P R OF I T A B I L I T Y Net Profit Operating Profit Net Interest Income Return on Assets +26.84% +21.29% +14.53% 1.90 (1.80) B U S I NE S S & A S S E T QU A L I T Y Total Business Total Depo

  6. Slide 6: Total Business

    Major Business Financial Asset Quality Capital Highlights Performance Performance Total Business 19.10 % (Y-o-Y) ( ₹ in Crore ) (%) 7,00,000 6,50,457 100 6,42,531 5,95,163 6,00,000 5,63,909 5,46,143 90 5,00,000 80 4,00,000 3,00,000 70 2,00,000 60 1,00,000 0 50 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Tot

  7. Slide 7: Total Deposit and Global Advances

    Major Business Financial Asset Quality Capital Highlights Performance Performance Total Deposit Global Advances 12.93 % (Y-o-Y) 26.90 % (Y-o-Y) ( ₹ in Crore ) (%) (%) ( ₹ in Crore ) 4,20,000 60 3,50,000 80 3,05,964 2,91,967 3,50,564 3,44,493 3,00,000 2,73,502 75 3,50,000 3,21,661 55 2,54,118 3,05,04

  8. Slide 8: Investments

    Major Business Financial Asset Quality Capital Highlights Performance Performance Investments ( ₹ in Crore ) 7.49 % (Y-o-Y) M Duration (Total) 1,20,000 1,03,961 4.27 4.25 1,02,207 1,01,149 4.16 97,104 1,00,000 94,097 3.93 3.82 80,000 60,000 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 40,000 M Duration (AFS+

  9. Slide 9: Profitability

    Major Business Financial Asset Quality Capital Highlights Performance Performance Profitability (Quarterly) (Quarterly) ( ₹ in Crore ) Operating Profit: 21.29 % (Y-o-Y) Net Profit: 29.84 % (Y-o-Y) ( ₹ in Crore ) NII: 14.53 % (Y-o-Y) 3,702 3,770 3,117 2,946 3,292 3,422 2,736 3,116 3,248 2,520 2,570 2

  10. Slide 10: Statement of Income and Expenditure

    Major Business Financial Asset Quality Capital Highlights Performance Performance Statement of Income and Expenditure ( ₹ in Crore ) Quarter ended Year ended Particulars Jun`25 Mar`26 Jun`26 Y-o-Y (%) Mar`26 Total Income 7,879 8,693 9,063 15 32,823 Interest Income 7,054 7,755 8,035 14 29,282 Non-Int

  11. Slide 11: Interest Earnings and Non-Interest Income

    Major Business Financial Asset Quality Capital Highlights Performance Performance Interest Earnings Non-Interest Income (Quarterly) ( ₹ in Crore ) ( ₹ in Crore ) 13.90 % (Y-o-Y) Quarter ended Year Ended Particulars 9,000 Jun`25 Mar`26 Jun`26 Y-o-Y (%) Mar`26 8,035 7,755 7,344 Comm. from Advances 205

  12. Slide 12: Interest Expenses and Operating Expenses

    Major Business Financial Asset Quality Capital Highlights Performance Performance Interest Expenses Operating Expenses (Quarterly) (Quarterly) ( ₹ in Crore ) 13.36 % (Y-o-Y) ( ₹ in Crore ) 8.71 % (Y-o-Y) 4,500 4,265 1,800 1,694 4,053 1,681 3,881 3,922 1,620 4,000 3,762 1,577 1,600 1,547 1,519 3,614

  13. Slide 13: Provisions & Contingencies

    Major Business Financial Asset Quality Capital Highlights Performance Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`25 Mar`26 Jun`26 Mar`26 Prov for Non Performing Assets 719 664 755 2,626 Prov for Standard/Restructured Assets 112 69 76 417 Prov for N

  14. Slide 14: Key Financial Ratios

    Major Business Financial Asset Quality Capital Highlights Performance Performance Key Financial Ratios (Quarterly) Cost of Deposits (%) Cost of Funds (%) Cost to Income (%) 4.75 4.74 4.30 4.32 38.81 38.50 4.66 4.67 4.27 4.26 37.87 38.27 4.59 4.20 37.57 37.10 37.19 4.48 4.47 4.09 4.10 36.51 4.38 4.01

  15. Slide 15: Assets & Liabilities – An Overview

    Major Business Financial Asset Quality Capital Highlights Performance Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Cash & Balance with RBI 23,291 17,276 10,678 26,645 14,880 Balances with Bank & Call Money 3,460 662 142 1,100 496 Total Inve

  16. Slide 16: Credit Portfolio – Balanced Loan Growth

    Major Business Financial Asset Quality Capital Highlights Performance Performance ( ₹ in Crore ) Credit Portfolio – Balanced Loan Growth ( ₹ in Crore ) Growth RETAIL CREDIT Particulars Jun`25 Mar`26 Jun`26 (Y-o-Y) % Particulars Jun`25 Mar`26 Jun`26 Growth (Y-o-Y) % Domestic Advances 2,41,097 2,85,82

  17. Slide 17: Funded exposure to selected sectors & industries

    Major Business Financial Asset Quality Capital Highlights Performance Performance 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% I

  18. Slide 18: External Rating-wise Advances – Above 25 Cr

    Major Business Financial Asset Quality Capital Highlights Performance Performance External Rating-wise Advances – Above 25 Cr ( ₹ in Crore ) Jun`25 Mar`26 Jun`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

  19. Slide 19: Asset Quality

    Major Business Financial Asset Quality Capital Highlights Performance Performance Asset Quality ( ₹ in Crore ) Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 2,36,892 98.26 2,

  20. Slide 20: Gross & Net NPA, Provision Coverage Ratio

    Major Business Financial Asset Quality Capital Highlights Performance Performance Gross & Net NPA (%) Provisions Coverage Ratio (%) 1.85 1.84 1.80 98.36 98.31 98.28 98.36 98.34 98.41 98.59 98.55 1.74 1.74 1.72 98.26 1.60 1.45 1.45 91.43 91.29 90.18 90.17 90.37 90.70 89.84 89.74 89.77 0.20 0.20 0.20

  21. Slide 21: Movement of NPA; Sector-wise Credit Deployment & NPA

    Major Business Financial Asset Quality Capital Highlights Performance Performance Movement of NPA ( ₹ in Crore ) Sector-wise Credit Deployment & NPA ( ₹ in Crore ) Last 5 Quarters Jun`25 Mar`26 Jun`26 Particulars Particulars Sector Sector Sector Sector Sector Sector Jun`25 Sept`25 Dec`25 Mar`26 Jun`

  22. Slide 22: Retail Sector and MSME Sector NPA

    Major Business Financial Asset Quality Capital Highlights Performance Performance Retail Sector - NPA ( ₹ in Crore ) Jun`25 Mar`26 Jun`26 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % Total Retail Credit 71,966 282

  23. Slide 23: Capital Adequacy (%)

    Major Business Financial Asset Quality Capital Highlights Performance Performance Capital Adequacy (%) ( ₹ in Crore ) Particulars Jun`25 Mar`26 Jun`26 20.53 20.06 RWA for Credit Risk 1,47,692 1,86,728 1,90,579 18.71 18.36 18.64 18.13 17.04 17.26 17.06 16.86 16.63 16.35 RWA for Market Risk 1,755 1,48

  24. Slide 24: Equity Holding (%) & Ratios

    Major Business Financial Asset Quality Capital Highlights Performance Performance Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 No. of Shares (in crore) 769 769 769 769 769 Domestic Individuals; Mutual funds/ Companies; 0.44% 5.61% UTI; 6

  25. Slide 25: New Initiatives in Digital Banking

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards New Initiatives in Digital Banking Central Bank Digital Currency Digital Sanctions • Introduction of PIN-less Transactions (Android & Implementation of Digital MUDRA STP CC (up to iOS) - ₹ 500 per transaction,

  26. Slide 26: New Initiatives in Information Technology

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards New Initiatives in Information Technology To enhance Resource Skill ❑ Initiated trainings • CBAP • PMP • Agile Framework To enhance Digital Process & To enhance the Delivery Channels Automation • Private cloud

  27. Slide 27: Digital Footprints

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards Digital Footprints Zen Lyfe (Mobile Banking Users in Mio)* Whats App Users (Mio.) UPI/BHIM Users (Mio) 9.37 1.39 2.89 2.77 1.11 6.60 6.97 2.27 6.12 1.96 2.03 4.64 0.59 Dec`25 Mar`26 Jun`26 Jun`25 Sept`25 Dec`2

  28. Slide 28: Financial Inclusion (in Lakhs)

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards Financial Inclusion (in Lakhs) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri Suraksha Bima Yojana 87.98 86.68 88.57 89.71 83.60 84.84 72.08 75.06 82.67 81.04 Jun`25 Sept`25 Dec`25 Mar`26 Ju

  29. Slide 29: Expanding Footprints: Branches and Employee Profile

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards No. of Branches (Domestic) Category Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Metro 648 657 672 692 701 Urban 591 598 608 625 637 Semi Urban 787 793 809 829 836 Rural 615 617 630 639 641 Total Branches 2,641 2,665 2

  30. Slide 30: ESG Initiatives

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints 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 30.06.26 •Total 16,522 trees have been planted data acro

  31. Slide 31: Products & Services

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints Awards 30 UnClassified www.bankofmaharashtra.bank.in /mahabank

  32. Slide 32: Awards

    Digital Financial Expanding Products & ESG Initiatives Banking Inclusion Footprints 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 digital To

  33. Slide 33: www.bankofmaharashtra.bank.in /mahabank

    32 UnClassified www.bankofmaharashtra.bank.in /mahabank

Bank of Maharashtra — Q1 FY2026-27 Earnings Presentation on 6ix