Bank of Maharashtra (MAHABANK) Earnings Call Transcripts

Bank of Maharashtra's Latest Earnings Call - Q4 FY2026

In Q4 FY 2025-26, Bank of Maharashtra reported strong financial performance, with total business growing 17% and advances up 22%. Revenue reached INR 10,826 crores, while net profit surged 27% to INR 7,019 crores, exceeding guidance. Management raised guidance for ROA to 1.80% for FY 2026-27, indicating confidence in continued growth despite geopolitical uncertainties.

Reported metrics

Guidance from management

For FY 2026-27, management expects total business growth of 16-17%, advances growth of 18%, and maintains a CASA ratio around 50%. ROA guidance is raised to 1.80%.

What management said

Fine, you can look at it that way because amount is almost appearing to be similar, but this was something consciously which came not because the auditors wanted that why do we so much keep provisioning on the COVID thing. But we had on our own decided that we will be continue to remain prudent. And if prudency require that when you see a challenge or a headwind and if you are providing for it, so there was no link t...

Yes, sir, this -- here itself from second quarter, itself, we are in the normal tax bucket rate, and we are accordingly provided in tax provision has been done and efficiently advance tax is also paid.

What analysts pressed on

Analysts expressed concerns over the potential impact of geopolitical tensions on the bank's MSME portfolio, with management acknowledging that the fallout may be seen in Q2. Additionally, there were questions regarding the lower-than-expected fee income growth and the implications of the recent farm loan waivers in Maharashtra.

Main topics on the call

• Strong Revenue and Profit Growth — The bank reported a net profit of INR 7,019 crores, reflecting a 27% YoY increase, while operating profit grew 16% to INR 10,826 crores. Management noted, "we have seen yet another good year for the bank... we have been ...
• Asset Quality Improvement — Gross NPA improved to 1.45%, down 29 bps YoY, and net NPA decreased to 0.13%. Management stated, "the asset quality has also been contained well, maintained well," indicating effective risk management.
• Geopolitical Risks and Provisions — Management acknowledged potential impacts from geopolitical tensions, stating, "we may see the impact in not Q1, by Q2, you will see the fallout of the West Asia crisis." A provision of INR 200 crores was created for geo...
• Guidance for FY 2026-27 — Management raised guidance for ROA to 1.80% from 1.75%, with total business growth expected at 16-17%. They stated, "we are fully committed to achieve each of those parameters," signaling confidence in future performance...

Read the full Bank of Maharashtra transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 18 Bank of Maharashtra earnings call transcripts on record, spanning July 18, 2022 to October 26, 2026. Based on this history, Bank of Maharashtra reports quarterly. The most recent call on file is dated October 26, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

MAHABANK

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Banks

Calls on record

18

First call

July 18, 2022

Most recent

October 26, 2026

Reporting cadence

quarterly