Bank of Maharashtra (NSE:MAHABANK)

Q1 2027 Bank of Maharashtra Ltd Earnings Call Transcript

Jul 10, 2026 / 11:00 AM GMT

Release Date Price: ₹84.25 (+2.73%)

Transcript

Key Points

Positve

Bank of Maharashtra (BOM:532525) reported a strong year-on-year growth in total business by 19%, adding 14,000 crores in the past year.
The bank's total advances grew by 27% year-on-year, significantly surpassing the guidance of 18%.
Asset quality remains robust with Gross NPA maintained at 1.45%, below the guidance of 2%, and Net NPA at 0.13%, below the guidance of 0.25%.
The bank achieved a healthy operating profit growth of 21% year-on-year, with a net profit increase of 27% year-on-year.
Capital adequacy is strong with CET1 at 15.56% and CAR at 18.64%, indicating the bank is well-capitalized.

Negative

Net Interest Income (NII) growth lagged behind the total advances growth, with NII growing at 14.5% compared to 27% in advances.
There was a slight compression in Net Interest Margin (NIM), which reduced by 10 basis points, although it remains above guidance.
Current account balances saw a deeper decline than usual, raising concerns despite the healthy corporate loan growth.
The cost of deposits increased slightly by 5 basis points quarter-on-quarter, indicating potential pressure on margins.
There was an increase in gross NPAs across retail segments such as housing, vehicle, and education loans, as well as in the SME segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BMBK.NS - Bank of Maharashtra Ltd
Q1 2027 Bank of Maharashtra Ltd Earnings Call
Jul 10, 2026 / 11:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen

Good day and welcome to the Bank of Maharashtra Limited, Q1A27 on Wis conference call hosted by Nuamave.

As a reminder, all participant lines will be in the listen-only mode.

And there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressingar and then 0 on your touchstone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr.

Raja from Nouammael

Thank you and over to you, sir

Thank you, Sagar

Everyone

Thank you all for joining Bank of Malakar

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