Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q2 FY2025-26 Earnings Presentation
41 slides from Bank Of Maharashtra's earnings presentation, Oct 14, 2025
Slide 1: Investor Presentation filing letter to stock exchanges
AX1/ISD/STEX/97/2025-26 Date: 14.10.2025 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.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 – 20 5 Asset Quality 21 - 26 6. Capital 27 - 28 7. Digital Banking 29 - 32 8. Financial Inclusion 33 9. Expanding Footprints 34 10. Other Information 35 - 37 2 UnClassified www.b
Slide 4: Macro-Economic Highlights
Macro-Economic Highlights Positives GDP Growth GDP growth forecast for FY 2025-26 has been revised upward to 6.8% from 6.5%, indicating strong economic momentum. (RBI) GST 2.0 - Reforms A Simplified tax structure with lower rates and easier compliance continues to boost consumption, MSME, and rural
Slide 5: Major Highlights
Major Highlights Business Performance Financial Performance Asset Quality Capital (Y-o-Y) (Q: Sept` 25 vis-à-vis Q: Sept` 24) Net Profit Operating Profit Net Interest Income Return on Assets Cost to Income Increased by Increased by Increased by 1.82 (1.74) 37.10 (38.81) 23.09% 16.91% 15.71% Total Bu
Slide 6: Business Performance Total Business
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Business 14.20 % (Y-o-Y) ( ₹ in Crore ) (%) 6,00,000 5,63,909 100 5,46,979 5,46,143 5,07,650 4,93,793 4,80,000 80 3,60,000 60 2,40,000 40 1,20,000 20 0 0 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Total Deposit 2,76,28
Slide 7: Business Performance Total Deposit and Global Advances
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Deposit Global Advances 12.13 % (Y-o-Y) 16.83 % (Y-o-Y) ( ₹ in Crore ) (%) (%) ( ₹ in Crore ) 3,50,000 100 3,00,000 100 3,07,143 3,05,046 3,09,791 2,54,118 2,39,837 2,41,097 2,76,289 2,79,007 2,28,642 2,40,000 2,
Slide 8: Business Performance Investments
Major Highlights Business Financial Performance Asset Quality Capital Performance Investments ( ₹ in Crore ) 24.29 % (Y-o-Y) M Duration (Total) 1,20,000 3.93 3.82 97,104 3.46 1,00,000 94,097 3.38 3.17 80,852 82,342 78,129 80,000 60,000 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 40,000 M Duration (AFS+HFT)
Slide 9: Financial Performance Profitability
Major Highlights Business Performance Financial Asset Quality Capital Performance Profitability (Quarterly) (Quarterly) ( ₹ in Crore ) Operating Profit: 16.91% (Y-o-Y) Net Profit: 23.09% (Y-o-Y) ( ₹ in Crore ) NII: 15.71% (Y-o-Y) 3,292 3,248 2,520 2,570 2,574 3,116 2,799 2,807 2,943 2,210 2,294 2,20
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 Half-Year ended Year ended Particulars Sept`24 Jun`25 Sept`25 Y-o-Y (%) Sept`24 Sept`25 Y-o-Y (%) Mar`25 Total Income 6,809 7,879 7,974 17 13,578 15,852
Slide 11: Interest Earnings
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Earnings (Quarterly) (Half-Yearly) ( ₹ in Crore ) 18.46 % (Y-o-Y) 19.26 % (Y-o-Y) ( ₹ in Crore ) 16,000 8,000 14,182 7,054 7,128 14,000 7,000 6,731 6,325 11,892 6,017 12,000 5,875 6,000 5,467 5,068 5,171 9,857
Slide 12: Non-Interest Income
Major Highlights Business Performance Financial Asset Quality Capital Performance Non-Interest Income ( ₹ in Crore ) Quarter Ended Half-Year ended Year ended Particulars Sept`24 Jun`25 Sept`25 Y-o-Y (%) Sept`24 Sept`25 Y-o-Y (%) Mar`25 Comm. from Advances 232 205 254 9 413 474 15 897 Other Commissio
Slide 13: Interest Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Expenses (Quarterly) (Half-Yearly) ( ₹ in Crore ) 20.87 % (Y-o-Y) ( ₹ in Crore ) 21.58 % (Y-o-Y) 4,500 9000 3,881 8000 7,643 4,000 3,762 3,614 3,381 7000 3,500 3,211 6,286 3,076 2,882 6000 3,000 2,636 2,706 5,
Slide 14: Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Operating Expenses (Quarterly) (Half-Yearly) ( ₹ in Crore ) 1,800 8.73 % (Y-o-Y) ( ₹ in Crore ) 9.66 % (Y-o-Y) 3600 1,577 1,547 1,519 3,065 1,500 1,428 1,396 1,399 1,397 3000 2,795 1,179 1,200 1,134 2400 2,285 1,918 90
Slide 15: Other Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Other Operating Expenses ( ₹ in Crore ) Quarter Ended Half-Year Ended Particulars Sept`24 Jun`25 Sept`25 Y-o-Y (%) Sept`24 Sept`25 Y-o-Y (%) Rent, Taxes & Lighting 79 85 93 18 154 178 16 Printing & Stationery 12 6 9 (2
Slide 16: Provisions & Contingencies
Major Highlights Business Performance Financial Asset Quality Capital Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Half - Year Ended Year Ended Particulars Sept`24 Jun`25 Sept`25 Sept`24 Sept`25 Mar`25 Prov for Non Performing Assets 598 719 583 1,185 1,302 2,417 Prov for Stand
Slide 17: 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 (%) 4.75 4.74 38.72 38.81 38.50 4.66 4.67 4.27 4.30 4.26 4.32 38.04 38.27 4.56 4.59 4.20 37.87 37.57 4.48 4.05 4.09 4.09 37.10 4.43
Slide 18: 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 (%) 9.27 9.30 9.28 8.01 7.99 7.99 6.99 9.21 9.19 7.93 6.89 7.87 6.86 6.87 6.87 6.86 9.14 7.76 7.81 7.75 9.01 6.57 6.58 8.96
Slide 19: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Return on Assets (%) Return on Equity (%) 28.35 27.62 26.01 1.82 23.25 24.51 23.08 1.73 1.72 1.74 1.78 1.78 1.80 22.36 23.00 22.58 1.55 1.37 Sept`23 Dec`23 Mar`24 Jun`24 Sept`24 Dec`24
Slide 20: Assets & Liabilities – An Overview
Major Highlights Business Performance Financial Asset Quality Capital Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Sept`24 Mar`25 Jun`25 Sept`25 Cash & Balance with RBI 16,574 37,993 23,291 17,276 Balances with Bank & Call Money 22 4,202 3,460 662 Total Investments (Net of De
Slide 21: 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 Sept`24 Jun`25 Sept`25 (Y-o-Y) % Particulars Sept`24 Jun`25 Sept`25 Growth (Y-o-Y) % Domestic Advances 2,17,504 2,4
Slide 22: 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%) – Sept`25 Iron & Steel 1.15% Top 3 selected sectors are Petroleum, Coal Products & Nuclear Fuels 1.31% Infrastructure, Housing, and Ed
Slide 23: 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 ) Sept`24 Jun`25 Sept`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
Slide 24: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality ( ₹ in Crore ) Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 2,13,495 98.16 2
Slide 25: Asset Quality: Gross & Net NPA, Provision Coverage
Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) Provisions Coverage Ratio (%) 2.19 2.04 98.40 98.40 98.34 98.36 98.31 98.28 98.26 98.36 98.34 1.88 1.85 1.84 1.80 1.74 1.74 1.72 90.30 90.05 89.88 89.84 89.74 89.77 90.18 90.17 90.37 0.23 0.22 0.20
Slide 26: 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 Sept`24 Jun`25 Sept`25 Particulars Particulars Sector Sector Sector Sector Sector Sector Sept`24 Dec`24 Mar`25 Jun`25 Se
Slide 27: Retail Sector and MSME Sector NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA ( ₹ in Crore ) Sept`24 Jun`25 Sept`25 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % Total Retail Credit 56,914 20
Slide 28: Capital Adequacy
Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) Particulars Sept`24 Jun`25 Sept`25 20.53 20.06 RWA for Credit Risk 1,35,729 1,47,692 1,63,251 18.71 18.13 17.61 17.38 17.26 16.85 17.04 16.86 16.63 RWA for Market Risk 858 1,755 2,931 14.70 14.96 1
Slide 29: Equity Holding & Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Bodies Corporate; No. of Shares (in crore) 708 769 769 769 769 0.48% Individuals; 7.29% Mutual funds/ Market
Slide 30: Digital Banking
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards 29 29 UnClassified www.bankofmaharashtra.in /mahabank
Slide 31: New Initiatives in Digital Banking
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Digital Banking Digital Sanctions PM Surya Ghar (Rooftop Solar) E-Rupee by Bank of Maharashtra (CBDC) ➢Loan against Roof Top Solar to housing loan borrowers. • Digital Rupee is iss
Slide 32: New Initiatives in Information Technology
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Information Technology To enhance the Delivery Channels To enhance Core Technology Infra To enhance IT / Digital Process & Automation • 20 products are live in Digi insurance Solut
Slide 33: Digital Footprints
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Digital Footprints Digital transaction (%) UPI/BHIM Users (Mio) Whats App Users (Mio.) 98.85 98.84 6.12 1.96 2.03 98.70 1.70 4.64 1.52 4.22 1.34 98.47 3.70 98.39 3.11 Sept`24 Dec`24 Mar`25 Jun`25 Sep
Slide 34: 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 82.67 Yojana 75.06 72.08 70.94 81.04 80.74 80.61 80.55 65.66 66.20 Sept`24 Dec`24 Mar`25
Slide 35: Expanding Footprints
Digital Banking Financial Inclusion Expanding ESG Initiatives Products, Services & Footprints Awards No. of Branches Category Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Metro 619 632 645 648 657 Urban 553 564 578 591 598 Semi Urban 727 746 770 787 793 Rural 609 609 613 615 617 Total Branches 2,508 2,551 2
Slide 36: 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 •Total 13,522 trees have been planted data acr
Slide 37: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards 36 UnClassified www.bankofmaharashtra.in /mahabank
Slide 38: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Public Sector Bank of the Year in the Institutional Category at the Public Sector Excellence Award prestigious FE Best Banks 2025 in the Banks (Mid) – Central Awards, presented by Shri Amit PSU categ
Slide 39: Notes
Notes 38 UnClassified www.bankofmaharashtra.in /mahabank
Slide 40: Notes
Notes 39 UnClassified www.bankofmaharashtra.in /mahabank
Slide 41: UnClassified www.bankofmaharashtra.in /mahabank
40 UnClassified www.bankofmaharashtra.in /mahabank
Bank of Maharashtra — Q2 FY2025-26 Earnings Presentation on 6ix