Q3 2025 Bank of Maharashtra Ltd Earnings Call Transcript
Key Points
- Bank of Maharashtra (BOM:532525) reported a strong year-on-year growth of 17% in total business, reaching INR5.07 lakh crores.
- The bank's advances grew by 21% year-on-year, with a significant contribution from the retail segment, which saw a 24% growth.
- The bank maintained a healthy Net Interest Margin (NIM) of 3.98% and an improved Return on Assets (ROA) of 1.78%.
- Asset quality showed improvement with Gross Non-Performing Assets (GNPA) reducing to 1.80% and Net NPA at 0.20%.
- The bank successfully raised INR3,500 crores in capital, improving its CET1 ratio to 13.6% and CRAR to 18.71%.
- Corporate loan growth was subdued on a quarterly basis, with only a 4% increase, raising concerns about the bank's ability to capitalize on corporate sector opportunities.
- The bank's employee costs increased due to new hires and incentives, impacting overall expenses.
- There was a slight increase in Gross NPA in absolute terms, rising from INR4,009 crores to INR4,124 crores.
- The bank faces challenges in maintaining its CASA ratio amidst industry-wide declines in low-cost deposits.
- Concerns were raised about the insufficiency of independent directors, affecting the Audit Committee's functioning.
Ladies and gentlemen, good evening, and welcome to the Q3 and nine Months FY 2025 conference call.(Operator Instructions) Please note that this conference is being recorded. We have with us from the management, Shri Nidhu Saxena, Managing Director and Chief Executive Officer; Shri Asheesh Pandey, Executive Director; Shri Rohit Rishi, Executive Director, and all general managers of the bank.
I now hand the conference over to Shri Nidhu Saxena. Thank you, and over to you.
Yes. Thank you. And first of all, thank you for joining this investor call and it's a great opportunity to come back and connect with you again to tell you that bank has again been showing consistency for the last 12 quarters to 15 quarters and the same performance has been seen.
As you would have seen in the presentations, which are shared with you, whatever guidance we had kept for ourselves for growth in terms of overall business, advances, deposits, even sector-wise RAM, those have been
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
