Q4 2026 Bank of Maharashtra Ltd Earnings Call Transcript
Key Points
- Bank of Maharashtra (BOM:532525) achieved a 17% growth in total business, with advances growing at 22% and deposits at 14%.
- The bank maintained a strong CASA ratio above 50%, closing the year at 52.51%.
- Asset quality improved with gross NPA reduced to 1.45% and net NPA to 0.13%.
- The bank's profitability metrics showed significant improvement, with operating profit growing by 16% and net profit by 27%.
- Capital adequacy is strong, with CET1 at 14.59% and CRAR at 18.36%.
- The geopolitical uncertainties, including the Iran-Israel-US conflict, pose potential risks to the bank's corporate and MSME accounts.
- Fee income growth was lower than loan growth, indicating a need for improvement in non-interest income.
- The bank's net worth declined quarter-on-quarter due to AFS reserve movements and dividend payouts.
- The gold loan book saw a decline due to regulatory changes requiring a shift to a new underwriting model.
- The tax rate is expected to normalize, potentially impacting future profitability.
Ladies and gentlemen, good day, and welcome to the Bank of Maharashtra Q4 FY2025-'26 post-results conference call hosted by Systematix Shares and Stocks. (Operator Instructions)
I now hand the conference over to Mr. Siddharth Rajpurohit from Systematix Institutional Equities. Thank you, and over to you, Mr. Siddharth.
Good evening, everyone. Thank you all for joining Bank of Maharashtra Q4 post-result conference call. From the management today, we have Mr. Nidhu Saxena, Managing Director and CEO; Mr. Prabhat Kiran, Executive Director; and Mr. Sushanta Kumar Mohanty, Executive Director.
I would like to congratulate Mr. Mohanty for being appointed as the ED to the bank. We are very grateful to the bank for giving us the opportunity to host them. I hand over the call now to Mr. Nidhu Saxena for his opening remarks, post which we will open the call for Q&A session. Over to you, sir.
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