• Profit growth targets: Bank of Maharashtra reported a 27.1% increase in FY26 net profit to over ₹7,019 crore and plans to sustain an annual profit addition of ₹1,500 crore to target ₹8,500 crore.
• Asset quality guidance: Net NPAs stood at 0.13% with management guiding to maintain them below 0.25%, backed by a policy of taking up to 100% provisioning on any slippages.
• Proactive provisioning buffers: The bank retains roughly ₹1,500 crore in floating provisions and proactively created a ₹200 crore buffer in Q4 to insulate against geopolitical uncertainties.
• Agri book diversification: To mitigate potential risks from a forecast 8% monsoon deficit, the bank is increasingly shifting its agricultural lending toward investment credit, cold storage, warehouses, and processing units.
• Net interest margin: Full-year NIM closed at 3.91% with Q4 NIM reaching 3.95%, though management continues to maintain a conservative forward guidance of 3.75%.