Agriculture NPA elevation
Agriculture GNPA has risen to nearly 10% due to rebalancing and RBI classification changes; management expects normalization in 1-2 quarters.
MAHABANK / Q2-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
medium
ECL provisioning impact
ECL provisions of ₹2,500 crore need to be built by FY31, requiring ₹100-125 crore per quarter, which could pressure profitability.
Cost of deposit pressure
Cost of deposits increased 8 bps due to fixed deposit repricing and client shift from CASA to term deposits, potentially impacting NIM.
Capital consumption and fund raise dilution
Capital adequacy consumed 193 bps in Q2; planned ₹5,000 crore equity raise may dilute existing shareholders.