Margin compression from rising deposit costs
Cost of deposits increased 5bps QoQ to 4.38%, and management noted a structural shift of savings to other asset classes, potentially pressuring NIM.
MAHABANK / Q1-FY27 / 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
medium
Maharashtra debt waiver scheme impact
The scheme could result in a one-time haircut of ₹450-500 crore for the bank, though management stated it is largely provisioned for.
SMA 2 spike due to government account
SMA 2 increased from ₹56 crore to ₹208 crore QoQ, largely due to one government entity account of ₹87 crore, which management expects to regularize.
Yield on advances decline
Yield on advances fell 71bps YoY to 8.57% due to MCLR resets and rate cuts, though management expects stabilization with potential rate hikes.