RESULTS AT A GLANCE
Quarter 30th September 2025 vis-à-vis Quarter 30th September, 2024
- Total Business grew by 20% to ₹ 5,63,909 crore.
- Total Deposits increased by 13% to ₹ 3,09,791 crore.
- Gross Advances increased by 83% to ₹ 2,54,118 crore.
- Credit – Deposit (CD) Ratio improved to 03%.
- Gross NPA declined to 72% as on 30.09.2025.
- Net NPA declined to 18% as on 30.09.2025.
- Provision Coverage Ratio stood at 34%.
- Net Profit increased by 09% to ₹ 1,633 crore.
Ø Operating profit grew by 16.91% to ₹ 2,574 crore.
Ø Net Interest Income increased by 15.71% to ₹ 3,248 crore.
- Net Interest Margin (NIM) stood at 85%.
- Cost to Income Ratio improved to 10%.
- Return on Assets (ROA) improved to 82%.
- Return on Equity (ROE) stood at 58%.
- CRAR improved to 13% of which Tier I is 14.96%.
Profitability (Quarter Ended September 30th ,2025)
- Net Profit increased by 09% to ₹ 1,633 crore in Q2FY25 on Y-o-Y basis as against ₹ 1,327 crore for Q2FY24.
- Operating Profit has shown a growth of 91% on Y-o-Y basis to ₹2,574 crore for Q2FY25 as against ₹ 2,202 crore for Q2FY24.
- Net Interest Income (NII) grew by 71% on Y-o-Y basis to ₹ 3,248 crore in Q2FY25 as against
₹ 2,807 crore for Q2FY24.
- Net Revenues (Net Interest income plus other income) for Q2FY25 improved by 73 % to ₹ 4,093 crore for Q2FY25 as against ₹ 3,599 crore for Q2FY24.
- Cost to Income Ratio improved to 10% for Q2FY25 as against 38.81% for Q2FY24.
- Return on Assets (ROA) improved to 82% for Q2FY25 against 1.74% for Q2FY24 and 1.80% for Q1FY25.
- Return on Equity (ROE) stood at 58% for Q2FY25 against 26.01% for Q2FY24.
Profitability (Half Year Ended September 30th, 2025)
- Net Profit increased by ₹ 606 crore to ₹ 3226 crore on Y-o-Y basis against ₹ 2,620 crore for the half year ended 30.09.2024.
- Operating Profit has shown a growth of 41% to ₹ 5,144 crore on Y-o-Y basis against ₹ 4,496 crore for the half year ended 30.09.2024.
- Net Interest Income (NII) grew by 65% on Y-o-Y basis to ₹ 6,539 crore for the half year ended 30.09.2025 as against ₹ 5,606 crore for the half year ended 30.09.2024.
- Fee based income increased by 46% on Y-o-Y basis to ₹ 836 crore for the half year ended 30.09.2025 as against 808 crore for the half year ended 30.09.2024.
- Cost to Income Ratio improved 34% for the half year ended 30.09.2025 as against 38.34% for the half year ended 30.09.2024.
- Return on Assets (ROA) improved to 81% for the half year ended 30.09.2025 as against 1.73% for the half year ended 30.09.2024.
- Return on Equity (ROE) also stood at 30% for the half year ended 30.09.2025 against 25.68% for the half year ended 30.09.2024.
Assets & Liabilities (As on September 30th, 2025)
- Total Business grew by 20% on Y-o-Y basis to ₹ 5,63,909 crore.
- Total Deposits increased by 13% on Y-o-Y basis to ₹ 3,09,791 crore.
- Gross Advances grew by 83% on Y-o-Y basis to ₹ 2,54,118 crore.
- RAM (Retail, Agri. & MSME) Business grew by 94% on Y-o-Y basis.
- Retail advances, has grown by 45 %. On Y-Oy basis.
Capital Adequacy: (As on September 30th , 2025)
- Total Basel III Capital adequacy ratio improved to 18.13% with Common Equity Tier 1(CET1) ratio of 14.05%.
Asset quality: (As on September 30th, 2025)
- Gross NPA declined to 72% as on 30.09.2025 against 1.84% as on 30.09.2024. The same was 1.74 % as on 30.06.2025.
- Net NPA declined to 18% as on 30.09.2025 against 0.20% as on 30.09.2024. The same was 0.18% as on 30.06.2025.
- Provision Coverage ratio stood at 34% as on 30.09.2025 as against 98.36% as on 30.09.2024. The same was 98.36 % as on 30.06.2025.
- Bank holds cumulative Covid-19 provision of ₹ 1200 crore as on 30th September 2025.
A presentation for investor is being separately placed on the Bank‘s website www.bankofmaharashtra.in