Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q4 FY2025 Earnings Presentation
40 slides from Bank Of Maharashtra's earnings presentation, Mar 31, 2025
Slide 1: www.bankofmaharashtra.in /mahabank
1 www.bankofmaharashtra.in /mahabank
Slide 2: Contents
Contents Page 1. Macro Economic Highlights 3 2. Major Highlights 4 3. Business Performance 5-8 4. Financial Performance 9 – 22 5 Asset Quality 23 - 28 6. Capital 29 - 30 7. Digital Banking 31 - 33 8. Financial Inclusion 34 9. Expanding Footprints 35 10. Other Information 36 - 38 2 www.bankofmaharash
Slide 3: Macro-Economic Highlights
Macro-Economic Highlights ( ₹ in Crore ) Positives ❑ Real GDP growth for 2025-26 is projected at 6.5 per cent. (RBI Report). 2,50,000 Gross GST Collection ❑ CPI inflation rate declined to 3.34% in March 2025, marking the lowest monthly 2,00,000 inflation rate since August 2019. It is projected to av
Slide 4: Major Highlights
Major Highlights Business Performance Financial Performance Asset Quality Capital Net Profit Operating Profit Net Interest Income NIM % Return on Assets Increased by Increased by Increased by 4.01 (3.97) 1.78 (1.73) Q4 `25 viz Q4` 24 22.62% 14.03% 20.59% FY `25 viz FY `24 Increased by Increased by I
Slide 5: Business Performance: Total Business
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Business 15.30% (Y-o-Y) ( ₹ in Crore ) (%) 6,00,000 100 5,46,979 5,07,650 95 4,93,793 5,00,000 4,74,411 4,76,447 90 4,09,202 85 4,00,000 3,37,534 80 3,00,000 2,81,659 75 70 2,00,000 65 60 1,00,000 55 - 50 Mar`21
Slide 6: Business Performance: Total Deposit
Major Highlights Business Financial Performance Asset Quality Capital Performance Total Deposit 13.44% (Y-o-Y) ( ₹ in Crore ) (%) 3,50,000 100 3,07,143 3,00,000 2,79,007 90 2,70,747 2,76,289 2,67,416 80 2,50,000 2,34,083 2,02,294 70 2,00,000 1,74,006 60 1,50,000 50 1,00,000 40 50,000 30 - 20 Mar`21
Slide 7: Business Performance: Gross Advances
Major Highlights Business Financial Performance Asset Quality Capital Performance Gross Advances 17.76% (Y-o-Y) (%) ( ₹ in Crore ) 3,00,000 100 95 2,39,837 2,50,000 2,28,642 2,17,504 90 2,03,664 2,09,031 85 2,00,000 1,75,120 80 1,50,000 1,35,240 75 1,07,654 70 1,00,000 65 60 50,000 55 - 50 Mar`21 Ma
Slide 8: Business Performance: Investments
Major Highlights Business Financial Performance Asset Quality Capital Performance Investments ( ₹ in Crore ) 20.04% (Y-o-Y) M Duration (Total) 90,000 80,852 82,342 78,129 3.67 3.64 80,000 76,687 3.46 3.38 68,593 3.17 70,000 60,000 50,000 Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 40,000 30,000 M Duration (
Slide 9: Financial Performance: Profitability
Major Highlights Business Performance Financial Asset Quality Capital Performance Profitability ( ₹ in Crore ) Operating Profit 14.03% (Y-o-Y) (Quarterly) ( ₹ in Crore ) Net Profit 22.62% (Y-o-Y) (Quarterly) 1,493 2,520 1,406 2,294 2,303 1,293 1,327 2,210 2,202 1,218 1,920 2,012 1,036 1,855 1,863 88
Slide 10: Financial Performance: Profitability
Major Highlights Business Performance Financial Asset Quality Capital Performance Profitability ( ₹ in Crore ) (Quarterly) NIM % (Quarterly) Net Interest Income 20.59% (Y-o-Y) 3,116 4.01 2,943 3.97 3.97 3.98 3.98 2,799 2,807 3.95 2,432 2,466 2,584 2,187 2,340 3.89 3.86 3.78 Mar`23 Jun`23 Sept`23 Dec
Slide 11: Statement of Income and Expenditure
Major Highlights Business Performance Financial Asset Quality Capital Performance Statement of Income and Expenditure ( ₹ in Crore ) Quarter Ended Year Ended Particulars Mar`24 Dec`24 Mar`25 Y-o-Y (%) Mar`24 Mar`25 Y-o-Y (%) Total Income 6,488 7,112 7,711 19 23,493 28,402 21 Interest Income 5,467 6,
Slide 12: Interest Earnings
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Earnings 23.12% (Y-o-Y) (Quarterly) 21.73% (Y-o-Y) (Yearly) ( ₹ in Crore ) ( ₹ in Crore ) 30,000 7,000 6,731 6,325 24,947 6,017 25,000 5,875 6,000 5,467 5,068 5,171 20,495 5,000 4,789 20,000 4,495 15,898 4,000
Slide 13: Non-Interest Income
Major Highlights Business Performance Financial Asset Quality Capital Performance Non-Interest Income ( ₹ in Crore ) Quarter Ended Year Ended Particulars Mar`24 Dec`24 Mar`25 Y-o-Y (%) Mar`24 Mar`25 Y-o-Y (%) Commission from Advances 284 221 263 (7) 769 897 17 Other Commissions 250 197 252 0 813 844
Slide 14: Interest Expenditure
Major Highlights Business Performance Financial Asset Quality Capital Performance Interest Expenditure ( ₹ in Crore ) 25.40% (Y-o-Y) (Quarterly) ( ₹ in Crore ) 24.45% (Y-o-Y) (Yearly) 4,200 14,000 13,282 3,614 3,600 3,381 3,211 12,000 3,076 10,673 3,000 2,882 2,706 10,000 2,636 2,449 2,308 8,158 2,4
Slide 15: Operating Expenditure
Major Highlights Business Performance Financial Asset Quality Capital Performance Operating Expenditure ( ₹ in Crore ) 12.97% (Y-o-Y) (Quarterly) ( ₹ in Crore ) 20.49% (Y-o-Y) (Yearly) 1,800 7,000 1,577 1,600 1,428 5,801 1,396 1,399 1,397 6,000 1,400 1,179 4,814 1,154 1,134 5,000 1,200 1,105 3,849 3
Slide 16: Other Operating Expenses
Major Highlights Business Performance Financial Asset Quality Capital Performance Other Operating Expenses ( ₹ in Crore ) Quarter Ended Year Ended Particulars Mar`24 Dec`24 Mar`25 Y-o-Y (%) Mar`24 Mar`25 Y-o-Y (%) Rent, Taxes & Lighting 75 83 89 20 280 327 16 Printing & Stationery 11 9 10 (10) 32 37
Slide 17: Provisions & Contingencies
Major Highlights Business Performance Financial Asset Quality Capital Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Year Ended Particulars Mar`24 Dec`24 Mar`25 Mar`24 Mar`25 Prov for Non Performing Assets 457 593 640 2,174 2,417 Prov for Standard/Restructured Assets 491 244 324
Slide 18: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Cost of Deposits (%) Cost of Funds (%) Cost to Income (%) 4.27 4.30 4.20 38.72 38.81 4.75 4.74 4.05 4.09 4.09 38.34 38.27 38.50 4.56 4.48 4.66 38.04 37.87 4.29 4.43 3.93 4.06 37.23 3.95
Slide 19: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Yield on Advances (%) Yield on Funds (%) Yield on Investments (%) 6.99 9.27 9.30 9.21 7.99 8.01 6.86 6.87 6.87 9.14 7.87 9.01 8.96 7.75 7.76 7.81 8.93 7.56 6.57 6.58 8.62 7.24 8.49 6.34
Slide 20: Key Financial Ratios
Major Highlights Business Performance Financial Asset Quality Capital Performance Key Financial Ratios (Quarterly) Return on Assets (%) Return on Equity (%) 1.74 1.78 1.78 28.35 1.73 1.72 27.62 26.32 26.01 1.55 23.73 24.51 23.25 22.36 23.08 1.33 1.37 1.32 Mar`23 Jun`23 Sept`23 Dec`23 Mar`24 Jun`24 S
Slide 21: Assets & Liabilities – An Overview
Major Highlights Business Performance Financial Asset Quality Capital Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Mar`21 Mar`22 Mar`23 Mar`24 Mar`25 Cash & Balance with RBI 12,882 19,722 18,508 21,161 37,993 Balances with Bank & Call Money 59 194 21 9,150 4,202 Total Investm
Slide 22: Credit Portfolio – Balanced Loan Growth
Major Highlights Business Performance Financial Asset Quality Capital Performance ( ₹ in Crore ) Credit Portfolio – Balanced Loan Growth ( ₹ in Crore ) Growth RETAIL CREDIT Particulars Mar`24 Dec`24 Mar`25 (Y-o-Y) % Particulars Mar`24 Dec`24 Mar`25 Growth (Y-o-Y) % Gross Advances 2,03,664 2,28,642 2
Slide 23: Funded exposure to selected sectors & industries
Major Highlights Business Performance Financial Performance Asset Quality Capital Funded exposure to selected sectors & industries with total exposure (more than 1%) – Mar`25 Chemicals & Chemical Products 1.05% Education 1.34% Top 3 selected sectors are Iron & Steel 1.36% Infrastructure, Housing, an
Slide 24: External Rating-wise Advances – Above 25 Cr
Major Highlights Business Performance Financial Performance Asset Quality Capital External Rating-wise Advances – Above 25 Cr ( ₹ in Crore ) Mar`24 Dec`24 Mar`25 Particulars No. of % of O/s No. of % of O/s No. of % of O/s O/s Amount O/s Amount O/s Amount Borrowers Amount Borrowers Amount Borrowers A
Slide 25: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality ( ₹ in Crore ) Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Particulars Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Amount % of Gross Adv. Standard 1,99,831 98.12 2,
Slide 26: Asset Quality
Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) Provisions Coverage Ratio (%) 2.47 2.28 98.28 98.37 98.40 98.40 98.34 98.36 98.31 98.28 98.26 2.19 2.04 1.88 1.85 1.84 1.80 1.74 90.44 90.20 90.30 90.05 89.88 89.84 89.74 89.77 90.18 0.25 0.24 0.23
Slide 27: Asset Quality: Movement of NPA and Sector-wise NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Movement of NPA ( ₹ in Crore ) Sector-wise Credit Deployment & NPA ( ₹ in Crore ) Last 5 Quarters Mar`24 Dec`24 Mar`25 Particulars Particulars Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Sector Sector Sector Sector Sector Sect
Slide 28: Retail and MSME Sector NPA
Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA ( ₹ in Crore ) Mar`24 Dec`24 Mar`25 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances 0.68 NPA % NPA NPA % NPA NPA % 0.60 Total Retail Credit 5
Slide 29: Capital Adequacy
Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) Particulars Mar`24 Dec`24 Mar`25 20.53 RWA for Credit Risk 1,24,129 1,42,125 1,48,712 18.71 18.14 18.07 17.61 17.38 17.26 16.85 17.04 RWA for Market Risk 7,514 1,096 848 16.86 14.36 14.70 RWA for O
Slide 30: Equity Holding & Ratios
Major Highlights Business Performance Financial Performance Asset Quality Capital Equity Holding(%) & Ratios (Quarterly) Shareholding Pattern Particulars Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Mutual funds/ Domestic UTI; 0.96% Companies; 0.41% No. of Shares (in crore) 708.14 708.14 708.14 769.16 769.16
Slide 31: New Initiatives in Digital Banking
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Digital Banking WhatsApp Banking Digital Sanctions • FD/ RD Summary e-NACH Sponsor Module • Nomination Update Mobile Banking • Bank has implemented e-NACH Sponsor Module for regist
Slide 32: New Initiatives in Information Technology
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards New Initiatives in Information Technology To enhance Core Technology Infra • Migrated 2,591 branches (including 50 zonal offices) to Software Defined WAN, improving network reliability, performance,
Slide 33: Digital Footprints
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Digital Footprints Digital transaction (%) UPI/BHIM Users (Mio) Mobile Banking Users (Mio) 98.70 4.22 98.39 98.47 1.97 98.30 3.70 1.79 2.90 2.93 3.11 1.56 1.32 1.17 97.55 Mar`24 Jun`24 Sept`24 Dec`24
Slide 34: Financial Inclusion (in Lakhs)
Digital Banking Financial Expanding Footprints ESG Initiatives Products, Services & Inclusion Awards Financial Inclusion (in Lakhs) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri Suraksha Bima Yojana 80.74 80.55 80.61 70.94 78.79 78.08 66.2 65.22 65.36 65.66 Mar`24 Jun`24 Sept`24
Slide 35: Expanding Footprints
Digital Banking Financial Inclusion Expanding ESG Initiatives Products, Services & Footprints Awards No. of Branches Category Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Metro 611 614 619 632 645 Urban 548 549 553 564 578 Semi Urban 720 725 727 746 770 Rural 610 611 609 609 613 Total Branches 2,489 2,499 2,
Slide 36: ESG Initiatives
Products, Services & Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Awards Maha Green Pehal Green Finance E-Waste Tree Plantation •Collection of Climate Risk related •Maha Super Green Housing Loan •Total E-waste collected as on 31.03.25 •Total 11,521 trees have been planted
Slide 37: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards 37 www.bankofmaharashtra.in /mahabank
Slide 38: Products, Services & Awards
Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Bank of Maharashtra, has IBA Technology Award India’s Leading Mid- been honored with the under seven different Sized Public Sector prestigious 'Best CFO in categories for the Bank at the Dun & Mid Ca
Slide 39: Notes
Notes 39 www.bankofmaharashtra.in /mahabank
Slide 40: www.bankofmaharashtra.in /mahabank
40 www.bankofmaharashtra.in /mahabank
Bank of Maharashtra — Q4 FY2025 Earnings Presentation on 6ix