West Asia geopolitical crisis impact
Prolonged conflict could stress MSME and agri portfolios due to crude price rise and inflation; impact expected from Q2.
BANKOFMAHARASHTRA / Q4-FY26 / risks
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Bank of Maharashtra · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Farm loan waiver implementation risk
Maharashtra government's KCC loan waiver (up to ₹2 lakh) may affect borrower behavior; bank estimates ₹2,000 crore exposure.
Tax rate normalization
Effective tax rate may rise from ~10% to 18-20% as unabsorbed losses are exhausted, impacting net profit growth.
Gold loan co-lending disruption
Transition to CLM1 model caused temporary halt in gold co-lending; book declined 70% QoQ, though resuming.