Bank of Maharashtra (MAHABANK) Q4FY26 Concall Summary - Mar-2026 Qtr
Performance Overview
- The bank demonstrated robust overall performance, achieving or exceeding all 18-19 guided parameters for FY26 across growth, asset quality, profitability, and capital adequacy.
- Total business grew by 17% YoY, driven by a strong 22% YoY growth in advances and a 14% YoY increase in total deposits, while maintaining a healthy CASA ratio of 52.51%.
- Asset quality showed significant improvement, with Gross NPA declining to 1.45% and Net NPA to 0.13%, supported by strong recoveries, particularly from the written-off book which yielded INR 1,423 crores.
- Profitability metrics were strong, with Net Profit growing 27% YoY to INR 7,719 crores for the year, and the bank achieving a full-year NIM of 3.91% and an ROA of 1.86%, both surpassing initial guidance.
- The bank has strategically rebalanced its MSME and Agriculture portfolios, returning to double-digit growth, and has successfully expanded its overseas book through its GIFT City branch, which turned profitable within its first year of operation.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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