Key Performance Highlights (Quarter Ended 30th September 2026)

Business Growth:

  • Total Global Business: ₹7,05,766 crore, up 25.16% YoY
  • Total Global Deposits: ₹3,76,407 crore, up 21.50% YoY
  • Gross Global Advances: ₹3,29,359 crore, up 29.61% YoY
  • Overseas Deposit: ₹721 crore
  • Domestic Credit Deposit (CD) Ratio: 82.85%

Profitability Metrics:

  • Net Profit: ₹2,310 crore, up 41.42% YoY and 14.33% QoQ
  • Operating Profit: ₹3,369 crore, up 30.86% YoY and 8.07% QoQ
  • Net Interest Income (NII): ₹3,954 crore, up 21.76% YoY and 4.89% QoQ
  • Cost to Income Ratio: 33.73% (improved from 37.10% in Q2 FY26 and 35.04% in Q1 FY27)
  • Return on Assets (ROA): 2.02% (improved from 1.82% in Q2 FY26)
  • Return on Equity (ROE): 26.98%
  • Domestic Net Interest Margin (NIM): 3.97%
  • Global NIM: 3.86%

Asset Quality:

  • Gross NPA: 1.25% (improved from 1.72% in Sept 2025 and 1.45% in June 2026)
  • Net NPA: 0.12% (improved from 0.18% in Sept 2025 and 0.13% in June 2026)
  • Provision Coverage Ratio: 98.53% (improved from 98.34% in Sept 2025, slightly down from 98.55% in June 2026)

Capital Adequacy:

  • CRAR: 18.51% (Tier I: 16.37%, Common Equity Tier 1: 15.61%)

Half-Year Performance (Ended 30th September 2026)

Profitability:

  • Net Profit: ₹4,330 crore, up 34.22% YoY
  • Operating Profit: ₹6,486 crore, up 26.08% YoY
  • Net Interest Income (NII): ₹7,724 crore, up 18.12% YoY
  • Fee-based income: ₹866 crore, up 3.54% YoY
  • Cost to Income Ratio: 34.37% (improved from 37.34% in H1 FY26)
  • Return on Assets (ROA): 1.96% (improved from 1.81% in H1 FY26)
  • Return on Equity (ROE): 25.29% (improved from 22.30% in H1 FY26)

Detailed Business Performance

RAM Business (Retail, Agri & MSME):

  • Overall RAM business grew 24.69% YoY
  • Retail advances: ₹94,582 crore, up 20.91% YoY
  • MSME advances: ₹58,049 crore, up 24.69% YoY
  • Net Advances: ₹3,25,641 crore, up 30.16% YoY

Deposit Breakdown:

  • Domestic CASA: ₹1,74,576 crore, up 11.92% YoY
  • Domestic CASA Share: 46.47% (down from 50.35% in Sept 2025)

Balance Sheet Position (As on 30th September 2026)

Liabilities (₹ in crore):

  • Capital: ₹7,692 crore (unchanged from Sept 2025)
  • Reserves and Surplus: ₹29,712 crore (up from ₹23,915 crore)
  • Deposits: ₹3,76,407 crore (up from ₹3,09,791 crore)
  • Borrowings: ₹47,890 crore (up from ₹24,924 crore)
  • Other Liabilities & Provisions: ₹6,826 crore (down from ₹7,407 crore)
  • Total Liabilities: ₹4,68,526 crore (up from ₹3,73,729 crore)

Assets (₹ in crore):

  • Cash and Balances with RBI: ₹32,185 crore (up from ₹17,276 crore)
  • Balances with Banks and Money at Call: ₹2,322 crore (up from ₹662 crore)
  • Investments: ₹99,483 crore (up from ₹96,422 crore)
  • Advances (Net): ₹3,25,641 crore (up from ₹2,50,188 crore)
  • Fixed Assets: ₹2,960 crore (up from ₹2,904 crore)
  • Other Assets: ₹5,935 crore (down from ₹6,276 crore)
  • Total Assets: ₹4,68,526 crore (up from ₹3,73,729 crore)

Additional Information

An investor presentation has been separately placed on the Bank's website at www.bankofmaharashtra.bank.in