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/40/2026-27 Date: 10th July, 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: Investor Presentation. Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find herewith the enclosed copy of Investor Presentation with regard to the Financial Results of the Bank for the quarter ended on 30th June, 2026. A copy of the Investor Presentation will also be made available on the Bank's website i.e. www.bankofmaharashtra.bank.in Kindly take the same on your records. Thanking you Yours faithfully, For Bank of Maharashtra (Vishal Sethia) Company Secretary & Compliance Officer Encl : As above Restricted Financial Results For Quarter Ended, 30th June 2026 www.bankofmaharashtra.bank.in /mahabank UnClassified Contents Page 1. Macro Economic Highlights 3 2. Major Highlights 4 3. Business Performance 5 - 7 4. Financial Performance 8 – 15 5 Asset Quality 16 - 21 6. Capital 22 - 23 7. Digital Banking 24 - 26 8. Financial Inclusion 27 9. Expanding Footprints 28 10. Other Information 29 - 31 www.bankofmaharashtra.bank.in /mahabank UnClassified Macro-Economic Highlights Positives Key Challenges GDP Growth External Pressures As per RBI, real GDP growth is projected at 6.6% for FY 2026-27, indicating strong economic Geopolitical tensions, including the Iran–US war, crude price volatility, and a weakening momentum. rupee are straining India’s external balance. Monetary Policy Domestic Vulnerabilities In its Jun`26 MPC meeting, RBI has maintained the Repo Rate at 5.25%, maintaining its neutral Inflation remains sensitive to food and fuel shocks, and ElNino-driven uneven monsoons may stance. impact agriculture produce and overall price stability. GST Collections India`s GST collections reached Rs. 6.32 lakh crore from Apr`26 to Jun`26, marking a growth of 8.4% (y-o-y). Inflation CPI Inflation forecast for FY 2026-27 is projected at 5.1%, well within the target range of RBI. Strong Forex Reserves As on 26th June 26, India’s foreign exchange reserves stood at US$ 666.93 billion, sufficient to cover more than 11 months of merchandise imports. Export Surge Exports increased by 14.66% (y-o-y) to USD 162.69 billion in April-May FY 2026-27 (y-o-y). 3 Data Source: RBI, PIB www.bankofmaharashtra.bank.in /mahabank UnClassified Major Business Financial Asset Quality Capital Highlights Performance Performance Q1 FY 26-27 vs Q1 FY 25-26 PROFITABILITY Net Profit Operating Profit Net Interest Income Return on Assets +26.84% +21.29% +14.53% 1.90 (1.80) BUSINESS & ASSET QUALITY Total Business Total Deposits Savings Deposits Term Deposits +19.10% +12.93% +15.61% +16.62% Gross Advances Retail Advances Agri Advances MSME Advances +26.90% +24.59% +28.94% +23.17% RAM Advances Gross NPA % Net NPA % PCR % +25.11% 1.45 (1.74) 0.13 (0.18) 98.55 (98.36) www.bankofmaharashtra.bank.in /mahabank UnClassified Major Business Financial Asset Quality Capital Highlights Performance Performance Total Business 19.10 % (Y-o-Y) ( ₹ in Crore ) (%) 7,00,000 100 6,42,531 6,50,457 5,95,163 6,00,000 5,63,909 5,46,143 5,00,000 4,00,000 3,00,000 2,00,000 1,00,000 0 50 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Total Deposit 3,05,046 3,09,791 3,21,661 3,50,564 3,44,493 Domestic Advances 2,41,097 2,53,230 2,69,986 2,85,825 2,97,858 Overseas Advances - 888 3,517 6,142 8,106 Global Advances 2,41,097 2,54,118 2,73,502 2,91,967 3,05,964 Total Business 5,46,143 5,63,909 5,95,163 6,42,531 6,50,457 Global C/D Ratio (%) 79.04 82.03 85.03 83.28 88.82 www.bankofmaharashtra.bank.in /mahabank UnClassified Major Business Financial Asset Quality Capital Highlights Performance Performance Total Deposit Global Advances 12.93 % (Y-o-Y) 26.90 % (Y-o-Y) ( ₹ in Crore ) (%) ( ₹ in Crore ) (%) 4,20,000 60 3,50,000 80 3,05,964 2,91,967 3,50,564 3,44,493 3,00,000 2,73,502 3,50,000 3,21,661 55 2,54,118 3,05,046 3,09,791 2,41,097 2,50,000 2,80,000 50 2,00,000 1,50,000 2,10,000 45 1,00,000 1,40,000 40 55 50,000 - 50 70,000 35 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Retail Sector 71,966 78,226 83,418 85,857 89,661 Agriculture Sector 32,799 33,249 36,770 40,212 42,290 - 30 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 MSME Sector 44,967 46,553 51,197 53,547 55,386 Term Deposits 1,52,308 1,53,812 1,62,298 1,66,477 1,77,618 Corporate & Others 91,365 95,201 98,601 1,06,209 1,10,521 Savings Deposit 1,11,127 1,16,367 1,17,050 1,26,287 1,28,472 Overseas Advances - 888 3,517 6,142 8,106 Current Deposits 41,611 39,612 42,313 57,801 38,403 Domestic Advances 2,41,097 2,53,230 2,69,986 2,85,825 2,97,858 Total Deposits 3,05,046 3,09,791 3,21,661 3,50,564 3,44,493 Global Advances 2,41,097 2,54,118 2,73,502 2,91,967 3,05,964 CASA 1,52,738 1,55,979 1,59,363 1,84,087 1,66,875 RAM % to Domestic 62.10 62.41 63.48 62.84 62.89 CASA % 50 50 50 53 49 Advances www.bankofmaharashtra.bank.in /mahabank UnClassified Major Business Financial Asset Quality Capital Highlights Performance Performance Investments ( ₹ in Crore ) 7.49 % (Y-o-Y) M Duration (Total) 1,20,000 1,03,961 4.27 4.25 1,02,207 1,01,149 4.16 97,104 1,00,000 94,097 3.93 3.82 80,000 60,000 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 40,000 M Duration (AFS+HFT) 20,000 3.89 3.84 3.78 3.73 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 HTM 57,053 57,788 56,156 57,370 58,156 3.34 AFS 33,694 35,139 43,637 41,606 40,294 FVTPL / HFT * 2,588 3,416 3,406 2,469 1,937 JV & Subsidiaries 762 762 762 762 762 Gross Investment 94,097 97,104 1,03,961 1,02,207 1,01,149 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 www.bankofmaharashtra.bank.in /mahabank UnClassified Major Business Financial Asset Quality Capital Highlights Performance Performance Profitability (Quarterly) (Quarterly) ( ₹ in Crore ) ( ₹ in Crore ) NII: 14.53 % (Y-o-Y) Operating Profit: 21.29 % (Y-o-Y) Net Profit: 29.84 % (Y-o-Y) 3,702 3,770 3,117 2,946 3,422 3,292 3,248 2,736 3,116 2,520 2,570 2,574 2,943 2,799 2,807 2,294 2,303 2,202 2,014 2,020 1,779 1,593 1,633 1,493 1,293 1,327 1,406 3.97 3.98 3.98 4.01 3.95 3.91 3.85 3.86 3.79 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Operating Profit Net Profit Net Interest Income NIM % Return on Assets (%) (Quarterly) Return on Equity (%) (Quarterly) 1.97 1.72 1.74 1.78 1.78 1.80 1.82 1.86 1.90 27.62 26.01 22.36 23.08 23.00 22.58 23.79 26.61 24.65 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 www.bankofmaharashtra.bank.in /mahabank UnClassified Statement of Income and Expenditure www.bankofmaharashtra.bank.in /mahabank UnClassified P a r t i c u o t a l I n c o m e t e r e s t I n c o m e o n - I n t e r e s t I n c o m o t a l E x p e n s e s t e r e s t E x p e n s e s p e r a t i n g E x p e n s p e r a t i n g P r o f i t r o v i s i o n & C o n t i e t P r o f i t n c i e s J u n ` 2 5 7 ,8 7 ,0 5 ,3 3 ,7 1 ,5 2 ,5 1 ,5 Q u a M a r ` 2 6 8 ,6 7 ,7 5 ,7 4 ,0 1 ,6 2 ,9 2 ,0 e r e n d e d J u n ` 2 6 Y - o - Y ( % ) Y e a r e n d e M a r ` 2 6 Major Business Financial Asset Quality Capital Highlights Performance Performance ( ₹ in Crore ) Interest Earnings (Quarterly) ( ₹ in Crore ) ( ₹ in Crore ) 13.90 % (Y-o-Y) 9,000 8,035 7,755 7,344 7,500 7,054 7,128 6,731 6,325 6,017 5,875 6,000 4,500 3,000 1,500 Jun`24 Sept`24 Dec`24 Mar`25 Jun`25 Sept`25 Dec`25 Mar`26 Jun`26 Interest on Advances 4,458 4,684 4,917 5,233 5,407 5,451 5,647 5,985 6,266 Interest on Investment 1,301 1,313 1,367 1,380 1,493 1,634 1,651 1,742 1,724 Other Interest Income 116 21 41 118 154 44 46 28 44 Total Interest Income 5,8 [Showing first 8,000 characters — download PDF for full document]