Bank of Maharashtra announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Net Profit increased by 22.62 % to Rs 1,493 crore in Q4FY25 on YoY basis as against Rs 1,218 crore for Q4FY24. The same is increased by 6.16 % on a QoQ sequential basis. Operating Profit has shown a growth of 14.03 % on YoY basis to Rs 2,520 crore for Q4FY25 as against Rs 2,210 crore for Q4FY24.The same has improved by 9.41 % on a QoQ basis. Net Interest Income (NII) grew by 20.59 % on YoY basis to Rs 3,116 crore in Q4FY25 as against Rs 2,584 crore for Q4FY24. The same is increased by 5.88 % on a QoQ sequential basis. Net Revenues (Net Interest income plus other income) for Q4FY25 improved by 13.62 % from Rs 3606 crore for Q4FY24 to Rs 4097 crore for Q4FY25. The same is increased by 9.81 % on a QoQ sequential basis. Cost to Income Ratio improved to 38.50 % for Q4FY25 as against 38.72 % for Q4FY24. The same was 38.27 % for the quarter ended 31.12.2024. Return on Assets (ROA) improved to 1.78 % for Q4FY25 against 1.73 % for Q4FY24. FY25 Financial Highlights: Net Profit increased by 36.12 % to Rs 5,520 crore on YoY basis against Rs 4,055 crore for FY24. Operating Profit has shown a growth of 16.41 % to Rs 9,319 crore on YoY basis against Rs 8,005 crore for FY24. Net Interest Income (NII) grew by 18.77 % on YoY basis to Rs 11,666 crore for FY25 as against Rs 9,822 crore for FY24. Fee based income increased by 10.05 % on YoY basis to Rs 1741 crore for FY25. Cost to Income Ratio stood at 38.37 % for FY25 as against 37.55 % for FY24. Return on Assets (ROA) improved to 1.75 % for FY25 against 1.50 % for FY24. Return on Equity (ROE) stood at 22.92 % for FY25. Assets & Liabilities (As on March 31st, 2025): Total Business grew by 15.30 % on YoY basis to Rs 546,979 crore. Total Deposits increased by 13.44 % on YoY basis to Rs 307,143 crore. Gross Advances grew by 17.76 % on YoY basis to Rs 239,837 crore. Net Advances grew by 17.90 % on YoY basis to Rs 236,084 crore. RAM (Retail, Agri. & MSME) Business grew by 19.68.% on YoY basis. Retail advances grew by 25.38 % to Rs 64,853 crore on YoY basis. MSME advances grew by 14.84 % on YoY basis to Rs 48,369 crore. Capital Adequacy: (As on March 31st, 2025): Total Basel III Capital adequacy ratio improved to 20.53 % with Common Equity Tier 1 ratio of 15.83 %. Bank has raised equity capital of Rs. 3,500 crore @Rs. 57.36 per share and Tier II bond of Rs. 1,000 crore at coupon rate of 7.89% Asset quality: (As on March 31st, 2025): Gross NPA improved to 1.74 % as on 31.03.2025 against 1.88 % as on 31.03.2024. The same was 1.80 % as on 31.12.2024. Net NPA improved to 0.18 % as on 31.03.2025 against 0.20 % as on 31.03.2024. The same was 0.20 % as on 31.12.2024. Provision Coverage ratio improved to 98.26 % as on 31.03.2025 as against 98.34 % as on 31.03.2024. The same was 98.28 % as on 31.12.2024. Dividend: Dividend @15% (i.e. @1.50 per equity share) is proposed for the year FY25. Result PDF