Bank of Maharash's Q4 FY 2025-26 Quarterly Results

Result Summary

• Bank of Maharashtra reported a 6.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 18.9%.
• Its expenses for the quarter were down by 6.3% QoQ and up 21.3% YoY.
• The net profit decreased 16.5% QoQ and increased 22.2% YoY.
• The earnings per share (EPS) of Bank of Maharashtra stood at 1.95 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Bank of Maharashtra is a prominent public sector bank in India, primarily involved in providing banking and financial services to a wide range of customers, including individuals, businesses, and government entities. The bank offers various products and services such as savings and current accounts, fixed deposits, loans, credit cards, and investment services. It operates in the banking and financial services industry, which is critical in supporting economic growth and maintaining financial stability. As of the last known data, the bank has been expanding its digital banking capabilities, a key focus area for enhancing customer convenience and operational efficiency. Any recent major developments specific to Bank of Maharashtra within the last quarter are not available in the provided data.

Revenue

For the quarter ending Q4FY26, Bank of Maharashtra reported total income of ₹7,711.76 crores, a decrease of 6.8% compared to the previous quarter, Q3FY26, where total income was ₹8,277.22 crores. However, on a year-over-year basis, the bank's total income increased by 18.9% from ₹6,488.48 crores in Q4FY25. This indicates a significant annual growth in revenue despite the quarterly dip. The revenue streams for the bank typically include interest income, fees, and commissions from its various financial services, though specific breakdowns are not available in the data provided.

Profitability

In terms of profitability, the bank's profit before tax for Q4FY26 was ₹1,536.89 crores, showing a decline of 23.5% from Q3FY26, which was ₹2,007.72 crores. However, compared to Q4FY25, there was a 21.2% increase from ₹1,267.62 crores. The profit after tax for Q4FY26 stood at ₹1,502.32 crores, which represents a decrease of 16.5% from ₹1,798.99 crores in Q3FY26 but an increase of 22.2% from ₹1,229.87 crores in Q4FY25. The tax expenses for Q4FY26 were significantly lower at ₹43.51 crores, down 80.9% from the previous quarter, and also lower by 12.5% compared to Q4FY25. Earnings per share for Q4FY26 were ₹1.95, down from ₹2.34 in Q3FY26 but up from ₹1.74 in Q4FY25, reflecting the changes in net profitability.

Operating Metrics

Total expenses for Bank of Maharashtra in Q4FY26 were ₹5,191.58 crores, decreasing by 6.3% from the previous quarter's ₹5,541.32 crores, yet increasing by 21.3% from ₹4,278.58 crores in Q4FY25. This shows a cost management effort on a quarterly basis while reflecting growth over the year. Provisions and contingencies saw a rise to ₹983.29 crores in Q4FY26, up by 35% from ₹728.18 crores in Q3FY26 and a slight increase of 4.4% from ₹942.28 crores in Q4FY25. These provisions are crucial for maintaining financial health and covering potential loan defaults or other financial risks. The bank's operating environment has been characterized by these shifts in income and expenses, which are important for assessing its operational performance. Specific financial ratios such as P/E ratio, debt-to-equity ratio, and current ratio are not computed due to lack of detailed data on market capitalization, total liabilities, or current assets.