Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q3 FY2025-26 Earnings Presentation
37 slides from Bank Of Maharashtra's earnings presentation, Jan 13, 2026
Slide 1: Investor Presentation filing letter to stock exchanges
AX1/ISD/STEX/126/2025-26 Date: 13.01.2026 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/ Mada
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 GDP Growth GDP growth forecast for FY 2025-26 has been revised upward to 7.3% from 6.8%, indicating strong economic momentum. (RBI) Monetary Policy RBI has reduced the Repo Rate by 25 bps to 5.25%, maintaining its neutral stance. With this, a cumulative reduction
Slide 5: Major Highlights (Y-o-Y)
Major Highlights Business Performance Financial Performance Asset Quality Capital (Y-o-Y) (Q: Dec` 25 vis-à-vis Q: Dec` 24) Net Profit Operating Profit Net Interest Income Return on Assets Cost to Income Increased by Increased by Increased by 1.86 (1.78) 37.19 (38.27) 26.51% 18.78% 16.27% Total Busi
Slide 6: Business Performance: Total Business
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Business 17.24 % (Y-o-Y) ( ₹ in Crore ) (%) 5,95,163 6,00,000 5,63,909 100 5,46,979 5,46,143 5,07,650 4,80,000 80 3,60,000 60 2,40,000 40 1,20,000 20 - 0 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Total Deposit 2,79,007
Slide 7: Business Performance: Total Deposit and Global Advances
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Deposit Global Advances 15.29 % (Y-o-Y) 19.62 % (Y-o-Y) ( ₹ in Crore ) (%) (%) ( ₹ in Crore ) 3,75,000 100 3,00,000 100 2,73,502 3,21,661 2,54,118 3,07,143 3,05,046 3,09,791 2,39,837 2,41,097 2,28,642 2,40,000 80
Slide 8: Business Performance: Investments
Major Highlights Business Financial Performance Asset Quality Capital Performance Investments ( ₹ in Crore ) 28.58 % (Y-o-Y) M Duration (Total) 1,20,000 1,03,961 4.16 97,104 3.93 1,00,000 94,097 3.82 3.46 80,852 82,342 3.17 80,000 60,000 Dec`24 Mar`25 Jun`25 Sept`25 Dec`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: 18.78% (Y-o-Y) Net Profit: 26.51% (Y-o-Y) ( ₹ in Crore ) NII: 16.27 % (Y-o-Y) 3,292 3,422 2,736 3,116 3,248 2,520 2,570 2,574 2,943 2,294 2,303 2,7
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 Nine-months ended Year ended Particulars Dec`24 Sept`25 Dec`25 Y-o-Y (%) Dec`24 Dec`25 Y-o-Y (%) Mar`25 Total Income 7,112 7,974 8,277 16 20,690 24,129 1
Slide 11: Interest Earnings
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Earnings (Quarterly) (Nine-months ended) ( ₹ in Crore ) 16.12 % (Y-o-Y) ( ₹ in Crore ) 18.17 % (Y-o-Y) 8,000 25,000 7,344 7,054 7,128 21,526 7,000 6,731 6,325 6,017 20,000 5,875 18,217 6,000 5,467 5,171 15,028
Slide 12: Non-Interest Income
Major Highlights Business Performance Financial Asset Quality Capital Performance Non-Interest Income ( ₹ in Crore ) Quarter ended Nine-months ended Year ended Particulars Dec`24 Sept`25 Dec`25 Y-o-Y (%) Dec`24 Dec`25 Y-o-Y (%) Mar`25 Comm. from Advances 221 254 319 44 633 793 25 897 Other Commissio
Slide 13: Interest Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Expenses (Quarterly) (Nine-months ended) ( ₹ in Crore ) 15.99 % (Y-o-Y) ( ₹ in Crore ) 19.63 % (Y-o-Y) 4,500 12,500 3,881 3,922 11,565 3,762 3,614 3,600 3,381 3,211 9,668 10,000 3,076 2,882 2,706 7,791 2,700 7
Slide 14: Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Operating Expenses (Quarterly) (Nine-months ended) ( ₹ in Crore ) 13.41% (Y-o-Y) ( ₹ in Crore ) 10.93 % (Y-o-Y) 1,800 5,000 4,685 1,620 1,577 1,547 1,600 1,519 4,500 4,223 1,399 1,428 1,396 1,397 1,400 4,000 3,418 1,13
Slide 15: Provisions & Contingencies
Major Highlights Business Performance Financial Asset Quality Capital Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Nine-months ended Year Ended Particulars Dec`24 Sept`25 Dec`25 Dec`24 Dec`25 Mar`25 Prov for Non Performing Assets 593 583 660 1,778 1,962 2,417 Prov for Standard
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 4.75 4.74 4.32 38.27 38.50 4.67 4.27 4.30 4.26 4.66 37.87 4.56 4.59 4.20 37.57 4.09 4.10 37.10 37.19 4.48 4.47 4.05
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 (%) 9.27 9.30 9.28 7.99 8.01 7.99 6.99 9.14 9.21 9.19 7.93 6.86 6.87 6.87 6.89 6.86 7.87 9.01 8.96 7.76 7.81 6.71 8.92 7.75
Slide 18: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Return on Assets (%) Return on Equity (%) 1.86 1.80 1.82 1.78 1.78 1.73 1.72 1.74 28.35 27.62 24.51 26.01 22.36 23.08 23.00 22.58 23.79 1.55 Dec`23 Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 J
Slide 19: Assets & Liabilities – An Overview
Major Highlights Business Performance Financial Asset Quality Capital Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Cash & Balance with RBI 15,466 37,993 23,291 17,276 10,678 Balances with Bank & Call Money 20 4,202 3,460 662 142 Total Inves
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 Dec`24 Sept`25 Dec`25 (Y-o-Y) % Particulars Dec`24 Sept`25 Dec`25 Growth (Y-o-Y) % Domestic Advances 2,28,642 2,53,
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%) – Dec`25 Chemicals & Chemical Products 1.18% Top 3 selected sectors are Iron & Steel 1.23% Infrastructure, Housing, and Micro Financia
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 ) Dec`24 Sept`25 Dec`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 23: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality ( ₹ in Crore ) Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 2,24,518 98.20 2,
Slide 24: Asset Quality: Gross & Net NPA, PCR, Credit Cost
Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) Provisions Coverage Ratio (%) 2.04 1.88 1.85 1.84 1.80 98.40 98.34 98.36 98.31 98.28 98.26 98.36 98.34 98.41 1.74 1.74 1.72 1.60 90.18 90.17 90.37 90.70 90.05 89.88 89.84 89.74 89.77 0.22 0.20 0.20
Slide 25: Movement of NPA; Sector-wise Credit Deployment & 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 Dec`24 Sept`25 Dec`25 Particulars Particulars Sector Sector Sector Sector Sector Sector Dec`24 Mar`25 Jun`25 Sept`25 Dec
Slide 26: Retail and MSME Sector NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA ( ₹ in Crore ) Dec`24 Sept`25 Dec`25 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % Total Retail Credit 61,157 208
Slide 27: Capital Adequacy
Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) ( ₹ in Crore ) Particulars Dec`24 Sept`25 Dec`25 20.53 RWA for Credit Risk 1,42,125 1,63,251 1,77,278 20.06 18.71 18.13 17.38 17.26 17.06 16.85 17.04 16.86 16.63 RWA for Market Risk 1,096 2,931 2,0
Slide 28: Equity Holding & Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Individuals, No. of Shares (in crore) 769 769 769 769 769 Bodies Corporate, 7.22% 0.52% Market Capitalization
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 Digital Sanctions • New Age mobile application • For Fund Transfer Implementation of Digital MUDRA STP Term Loan (up to 10 Lac) • Online FD/ RD opening and
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 • Bank has been upgraded Debit Card Management System (DCMS) ‘Cortex’ to Version 4.3, delivering improved system performance
Slide 31: 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.) 6.60 2.27 98.89 6.12 98.85 98.84 1.96 2.03 4.64 1.70 98.70 4.22 1.52 3.70 98.47 Dec`24 Mar`25 Jun`25 Sept`25 Dec
Slide 32: 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 84.84 83.6 75.06 82.67 70.94 72.08 66.2 81.04 80.55 80.61 Dec`24 Mar`25 Jun`25 Se
Slide 33: Expanding Footprints
Digital Banking Financial Inclusion Expanding ESG Initiatives Products, Services & Footprints Awards No. of Branches Category Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Metro 632 645 648 657 672 Urban 564 578 591 598 608 Semi Urban 746 770 787 793 809 Rural 609 613 615 617 630 Total Branches 2,551 2,606 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 31.12.25 •Total 15022 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 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 37: UnClassified www.bankofmaharashtra.bank.in /mahabank
36 UnClassified www.bankofmaharashtra.bank.in /mahabank
Bank of Maharashtra — Q3 FY2025-26 Earnings Presentation on 6ix