Bank of Maharashtra — PPTs, 15-02-2025: Investor Presentation

1. **Financial Highlights**: Bank of Maharashtra reported robust growth in gross advances, reaching ₹228,642 Cr with a year-on-year increase of 21%. Total deposits grew by 14% to ₹279,007 Cr. Net Interest Income stood at ₹8,549 Cr, reflecting a healthy net interest margin of 3.98%. The profit after tax for the period was ₹4,027 Cr, showcasing an improvement in operational profitability and return on equity at 23.41%.

2. **Strategic Initiatives and Growth Drivers**: The bank is focusing on the Retail, Agriculture, and MSME sectors with targeted growth in RAM advances, which accounted for 62% of its asset base. There is a notable drive towards digital transformation to enhance customer onboarding and operational efficiency.

3. **Business Developments**: Recent initiatives include expanding the reach through new branch openings and digital banking units, and leveraging technology for improved service delivery.

4. **Market Position and Competitive Advantage**: With a CASA ratio of 49.28%, the bank maintains one of the lowest costs of deposits among public sector banks, underpinning its competitive positioning in the market.

5. **Investor Implications**: The consistent upward trajectory in financial performance, combined with strategic growth initiatives, presents a positive outlook for investors. Monitoring the bank's digital growth and asset quality will be crucial for evaluating future potential.