Investor Presentation

Investor Services Department Corporate Office: Montclaire, 134/1, Baner- Pashan Link Road, Pashan, Pune 411021 E-mail: investor_services@bankofmaharashtra.bank.in Phone nos - 020-71658139 www.bankofmaharashtra.bank.in AX1/ISD/STEX/58/2026-27 Date: 7th September, 2026 The Vice President The Vice President BSE Ltd., National Stock Exchange of India Ltd., P.J Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai-400 001 Bandra (East), Mumbai-400 051 BSE Scrip Code: 532525 NSE Scrip Code: MAHABANK Dear Sir / Madam, Sub: Intimation of Investor Presentation Pursuant to Regulation 30 read with Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) and with reference to our intimation dated September 03, 2026 regarding the Schedule of Institutional Investors / Analysts Meetings, we enclose herewith the Investor Presentation for the said Meetings. No unpublished price sensitive information is contained in the aforesaid Investor Presentation. This intimation, along with the Investor Presentation, is also being made available on the Bank’s website at https://bankofmaharashtra.bank.in/corporate-announcements in terms of the Listing Regulations. You are requested to take this intimation on record and disseminate the same on your websites. This is for your information and appropriate dissemination. Thanking you Yours faithfully, For Bank of Maharashtra (Vishal Sethia) Company Secretary & Compliance Officer Encl: As above Restricted INVESTOR PRESENTATION September 2026 Table of Contents 1 Bank of Maharashtra – An Overview 3 2 Key Business Highlights 7 3 Digital Initiatives & Growth Outlook 18 4 Summary of Key Financials 22 5 Annexures 28 Bank of Maharashtra – An Overview Bank of Maharashtra | Overview ₹ 6,504.57 bn ₹ 3,444.93 bn ₹ 3,059.64 bn ₹ 4,263.03 bn Scale Total Business Total Deposits Global Advances Total Assets CAGR: 16.69% CAGR: 13.34% CAGR: 21.18% CAGR: 15.55% ₹ 20.2 bn 3.79 % 24.65 % 1.90% Profitability PAT 1 Net Interest Margin1 ROE1 % ROA1 % Y-o-Y: 26.84 % 0.99 % / 1.23 % Asset Quality 1.45 % 0.13 % 98.55 % Credit Cost1 % / Gross NPA Net NPA PCR Slippage Ratio1 % Capitalization & ₹ 327.8 bn 18.64 % / 16.35 % 48.51 % 4.01 % Liability Profile Net Worth CRAR/ Tier-1 Capital CASA % Cost of Funds1 % 2,816 2,731 28 / 8 17,129 Resources Branches 4 ATMs States /UTs Employees Particulars Agency Rating International Rating S&P Global / Fitch BBB (Stable) / BBB- (Stable) 1. Annualized All data as of Jun`26 2. CAGR – Mar`22 to Jun`26 3. Y-o-Y - Growth for Jun`26 over Jun`25 4 4. Total number of global branches including 1 branch of GIFT IBU Core Competencies & Key Strategies • Strengthening deposit base through institutional and retail growth. 1935 31 Mn 90+ Year Legacy • Key focus on salaried segments - particularly Year of Incorporation Customers permanent employees of Central / State Govt, PSUs, Govt. Institutions, etc. • Expanded partnerships with builders, car dealers, 29% DSAs, and education loan counsellors. Retail Business • Introduced cluster-based Industry specific lending. RAM Portfolio of Share of Retail Loan Domestic Advances • Strengthened co-lending model with fintech tie-ups • Lowest Cost of Deposit in Industry & Healthy NIM 48.51 % 64.82% Strong Deposit Profile • Focus on low-cost deposits. CASA % Retail Term Deposit %1 • Providing customized CASA products 59% 48% • PAN India presence Diversified Presence • Since April 2022, bank has opened 826 branches with Branches outside Branches in Metro & 92% of them located outside Maharashtra Maharashtra Urban Zones 1. Retail Term Deposit as % of Total Term Deposit; Retail Term Deposit: Term Deposit of accounts <INR 30 Mn Total Business nearly doubled since Mar`22, registering a CAGR of 17 % ( ₹ in Bn ) 7,000.00 6,504.57 6,425.31 90% 6,000.00 5,469.79 5,000.00 4,744.11 80% 4,092.03 4,000.00 3,375.34 3,000.00 2,000.00 1,000.00 - 50% Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Total Deposit 2,022.94 2,340.83 2,707.47 3,071.43 3,505.64 3,444.93 Domestic Advances 1,352.40 1,751.20 2,036.64 2,398.37 2,858.25 2,978.58 Overseas Advances - - - - 61.42 81.06 Global Advances 1,352.40 1,751.20 2,036.64 2,398.37 2,919.67 3,059.64 Total Business 3,375.34 4,092.03 4,744.11 5,469.79 6,425.31 6,504.57 Global C/D Ratio 66.85% 74.81% 75.22% 78.09% 83.28% 88.82% Key Business Highlights Core Strengths of the Bank Granular portfolio with strong growth over the years High quality liability profile with best-in-class CASA ratio over the years PAN India presence with focus on geographical diversification Strong Capital Adequacy and Asset Quality Consistently delivering high margins and profits Experienced Board Members Granular portfolio with strong growth over the years Advances Growth Trajectory (₹ in Bn) xx% CAGR Total Advances Retail MSME Agri Corporate & Others 3,059.64 896.61 553.86 1,186.27 422.90 262.79 545.70 1,352.40 189.68 354.22 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Jun '26 Mar '22 Jun '26 Advances Mix (Jun ’26) Total Advances1 Retail MSME Agri Rating Wise Advances2 29% 17% 12% 14% 39% 58% 7% 55% AAA AA Farm Credit (Crop, Investment & Retail Agriculture Housing Education Micro Small Medium Allied) A BBB & Below MSME Corporate & Others Vehicle Others Unrated 1. Others include 81.06 Bn of Overseas Advances 2. External Rating wise Advances; 21% iincludes BBB and BB & Below ratings; 12% includes Government Guaranteed Advances (8%) & other unrated (4%) 99 High quality liability profile with best-in-class CASA ratio over the years ( ₹ in 10’s of Bn ) xx% CAGR Current Deposits Savings Deposits Term Deposits 126 128 46 117 128 38 97 35 89 28 28 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Total Deposits CASA % 351 344 53.38% 52.73% 53.28% 50.07% 271 48.51% 57.85% 52.51% Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'26 Mar'22 Mar'23 Mar'24 Mar'25 Jun'25 Mar'26 Jun'26 1100 PAN India presence with focus on geographical diversification Focus on diversifying presence with 59% branches outside Maharashtra Expanding footprints with steady increase in branch network… Branches 2,816 * 2,641 2,606 2,489 2,203 2,022 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 * Total number of global branches including 1 branch of GIFT IBU … with balanced mix across geographies Branch Mix – Jun`26 Rural ; 23% Metro ; 25% # of branches opened since 1st April’22 Semi Urban; 30% Urban ; 22% Total Branches Opened Non-Maharashtra branches % 826 761 92 All data as of 30 Jun`26 1111 Strong Capital Adequacy Maintaining Stable Capital Ratios ( ₹ in Bn ) ( in % ) Particulars Jun`25 Mar`26 Jun`26 20.53 20.06 RWA for Credit Risk 1,477 1,867 1 ,906 18.71 18.64 18.13 18.36 17.04 17.26 16.86 16.63 17.06 16.35 RWA for Market Risk 18 15 1 3 15.41 14.96 14.70 13.95 13.40 13.13 RWA for Operational Risk 215 215 2 55 Total RWA 1,710 2,097 2,174 CET I % 15.62 14.59 15.56 4.13 4.01 3.64 3.67 3.43 3.17 3.11 2.95 2.29 AT I % 1.01 0.82 0.79 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 TIER I % 16.63 15.41 16.35 Tier I Capital Tier II Capital CRAR Better Asset Quality (1) Gross & Net NPA % Provision Coverage Ratio % Credit Cost % 3.94 1.91 98.28 98.34 98.26 98.59 98.55 94.79 2.47 1.88 1.74 1.29 1.45 1.45 90.44 89.88 90.18 91.43 91.29 0.97 1.07 1.01 0.99 0.25 0.20 0.18 0.13 0.13 0.90 76.43 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Net NPA % Gross NPA % PCR (including TWO) PCR (excluding TWO) Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 * Standard Restructured Advances Proportion Falls Special Mention Accounts (SMA) ( ₹ In Bn ) 55.47 0.30 4.27 41.88 2.45 22.67 23.79 20.79 20.01 0.11 0.12 0.12 0.10 0.10 1.13 1.01 0.72 0.66 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Mar`22 Mar`23 Mar`24 Mar`25 Mar`26 Jun`26 Stnd. Restructured Advances (Rs Crore) RSA (as a % of Standard credit) SMA*(I & II), as a % of Total Advances (Rs. 5 Cr. & Above) * Annualiz [Showing first 8,000 characters — download PDF for full document]