India · Delayed Price · Currency is INR Bank of Maharashtra Earnings Call Transcripts
Fiscal Year 2026
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Strong YoY growth in advances (22%) and profitability (net profit up 27%) with improved asset quality and robust capital ratios. FY27 guidance targets continued double-digit growth, stable asset quality, and focus on fee income and risk management.
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Profitability and growth exceeded guidance, with record quarterly profit and strong asset quality. Retail and gold loan portfolios saw robust expansion, while strategic deposit management and branch expansion support future growth.
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Business grew 14% year-over-year with strong advances and deposit growth, improved asset quality, and robust profitability. Retail lending, especially home and gold loans, saw high growth, while capital adequacy and CASA ratios remained strong. Expansion and digitalization initiatives support future growth.
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Delivered a consistent quarter with 15% YoY business growth, strong NIM at 3.95%, and robust asset quality. Branch expansion, technology upgrades, and regulatory compliance remain key priorities, with guidance reaffirmed for FY26.
Fiscal Year 2025
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Strong year-over-year growth in business, profitability, and asset quality, with net profit up 36% and NIM at 4%. Guidance for FY 2026 remains conservative, targeting 17% advances growth, 14% deposit growth, and NIM of 3.75%.
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Business grew 17% YoY, with advances up 21% and deposits up 14%. Asset quality improved, NIM held at 3.98%, and cost-to-income at 38.27%. Robust growth in retail, housing, and car loans, with strong capital ratios and ongoing branch expansion.
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Strong year-over-year growth in advances, deposits, and profitability, with asset quality and recoveries improving. Conservative guidance maintained for NIM and ROA amid potential rate cuts, while aggressive branch and digital expansion continues.
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Business grew 13.5% YoY with advances up 19% and deposits up 9%. Asset quality remains strong, with GNPA at 1.85% and PCR at 98.36%. FY25 guidance targets 16% business growth, 18-20% advances growth, and CRAR at 16-17%.