| Margins | NIM healthy at 3.79%; ROA improved to 1.90%. |
|---|---|
| Order book | Global Business reached ₹6,504.57 bn. |
| Demand visibility | Strong credit deployment across Retail, MSME, and Agri sectors. |
| Management confidence | High; citing 90+ year legacy and granular growth. |
Growth
PAT grew 26.84% YoY; Net Interest Income rose 14.53% YoY; Global Advances increased 21.18% YoY.
Outlook
Focus on 100% digital onboarding, expanding PAN India presence, and maintaining Net Interest Margin through low-cost deposits.
Risks
Slight compression in CASA ratio from 50.07% to 48.51% YoY and sequential increase in Cost of Funds.
Last quarter's promises, checked
Delivered
- Total Business growth 16-17% → delivered 19% (= BEAT)
- Total Advances growth 18% → delivered 27% (= BEAT)
- NIM target 3.75% → delivered 3.85% (= BEAT)
Partly delivered
- Credit Cost < 1% → delivered 0.99% (= PARTIAL)
- Cost to Income < 40% → maintained within 36-38% range (= PARTIAL)
Missed
- Total Deposit growth 14% → delivered 13% (= MISS)
Investor Presentation filed with BSE, NSE: MAHABANK. Summary written with AI assistance from the document.
Bank of Maharashtra: key numbers
- Share price
- ₹84.88
- Market cap
- ₹65,286 Cr
- Revenue (annual)
- ₹29,282 Cr
- Net profit (annual)
- ₹7,017 Cr
- P/E (TTM)
- 8.7×Sector 22.0×
- Promoter holding
- 73.60%+0.00% QoQ
- FII holding
- 5.82%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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