Bank of Maharashtra announced Q3FY25 results Total Business grew by 16.86% to Rs 5,07,650 crore. Total Deposits increased by 13.54% to Rs 2,79,007 crore. Gross Advances increased by 21.19% to Rs 2,28,642 crore. Credit - Deposit (CD) Ratio stood at 81.95%. Gross NPA declined to 1.80%. Net NPA reduced to 0.20%. Provision Coverage Ratio stood at 98.28%. Net Profit increased by 35.82% to Rs 1,406 crore. Operating profit grew by 14.46% to Rs 2,303 crore. Net Interest Income increased by 19.37% to Rs 2,943 crore. Net Interest Margin (NIM) improved to 3.98%. Cost to Income Ratio stood at 38.27%. Return on Assets (ROA) improved to 1.78%. Return on Equity (ROE) stood at 22.36%. CRAR improved to 18.71 % of which Tier-I is 14.70 % Assets & Liabilities:. Net Advances grew by 21.46 % on YoY basis to Rs 2,24,961 crore. RAM (Retail, Agri. & MSME) Business grew by 23.76 % on YoY basis. Retail advances grew by 24.45 % to Rs 61,157 crore on YoY basis. MSME advances grew by 20.80 % on YoY basis to Rs 47,606 crore. Capital Adequacy: Total Basel III Capital adequacy ratio stood at 18.71 % with Common Equity Tier 1 ratio of 13.60 %. Asset quality: Gross NPA declined to 1.80% as on 31.12.2024 against 2.04 % as on 31.12.2023. The same was 1.84% as on 30.09.2024. Net NPA declined to 0.20% as on 31.12.2024 against 0.22% as on 31.12.2023. The same was 0.20% as on 30.09.2024. Provision Coverage ratio stood at 98.28% as on 31.12.2024 as against 98.40% as on 31.12.2023. Result PDF
Punjab & Sind Bank announced Q3FY25 results Financial Highlights: The Bank's Net Profit demonstrated an outstanding growth of 147% YoY in Q3FY25, reaching to 282 crore. Operating Profit for Q3FY25 grew by 74.73% YoY to 484 crore. Net Interest Margin up by 24 bps to 2.78% YoY. Yield on Advances up by 23 bps to 9.14% YoY. Return on Assets (%) increased by 42 basis points YoY. Business Highlights: Total Business registered a growth of 10.58% YoY and stood at Rs 2,23,267 crore. Total advances grew by 14.73% YoY. RAM Advances (%) to Gross Advances increased by 274 bps from 51.46% to 54.20%. Total Deposit grew by 7.64% YoY. Retail Term Deposits registered a growth of 10.66% YoY. RAM advances registered a healthy growth of 20.85% YoY. Retail Advances registered a significant growth of 35.12 % YoY. Result PDF