Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — FY2016 Earnings Presentation
31 slides from Bank Of Maharashtra's earnings presentation, March 2016
Slide 1: Welcome to Analysts Meet: Financial Results Quarter/Year Ended 31st March 2016
va uRan vw da WELCOME TO ANALYSTS MEET 5 FINANCIAL RESULTS QUARTER / YEAR ENDED 31ST MARCH 2016 ne
Slide 2: Key highlights: Total Business, Advances, Deposits, CASA, NIM, CRAR
Total Business Gross Advances Total Deposits 9.91% 13.82% 12.05% CASA NIM CRAR Basel III 2.59% 11.20% 12.52% 2
Slide 3: Shareholding pattern and key equity data
31.03.2015 31.03.2016 PARTICULARS No. of Share % Holding No. of Share % Holding Govt of india 84.84 79.80% 95.35 81.61% Bank FIS & Insurance Co. 15.13 14.23% 15.31 13.11% FII & NRI 0.67 0.63% 0.54 0.46% Others 5.68 5.34% 5.63 4.82% Total 106.32 100.00% 116.83 100.00% As on Mar 2016 81.61% Share Cap
Slide 4: Total Business as on 31.03.2016
As on % Growth Particulars Mar 15 Dec 15 Mar 16 Y-o-Y Q-o-Q Total Business 223329 234572 250230 12.05% 6.68% Deposits 122119 130353 138990 13.82% 6.63% of which CASA 45297 45764 50967 12.52% 11.37% Deposit Gross Advances 101210 104219 111240 9.91% 6.74% Gross Investment 32819 35254 36332 10.70% 3.06
Slide 5: Total Deposits and CASA
Total Deposits CASA 150000 55000 130000 50000 110000 45000 138990 50967 90000 130353 40000 122119 45297 45764 70000 35000 50000 30000 Mar 15 Dec 15 Mar 16 Mar 15 Dec 15 Mar 16 5
Slide 6: Advances and CD Ratio
120000 95.00 111240 110000 104219 90.00 101210 100000 85.00 90000 82.88 80000 79.95 80.03 80.00 70000 75.00 60000 50000 70.00 Mar 15 Dec 15 Mar 16 Advances CD Ratio (%) 6
Slide 7: Investment portfolio: SLR and Non-SLR
As on Particulars Mar 15 Dec 15 Mar 16 A. SLR Investments (i) HFT 478 25 0 (ii) AFS 1345 3931 3883 (iii) HTM 27446 27140 26337 Total SLR Investment 29269 31096 30220 B. Non SLR Investments (i) HFT 51 40 0 (ii) AFS 3402 4015 3919 (iii) HTM 98 103 2192 Total Non SLR Investment 3551 4158 6111 C. Gross
Slide 8: Gross Advances: priority and non-priority sector
As on % Growth Particulars Mar 15 Dec 15 Mar 16 Y-o-Y Q-o-Q Gross Advances 101210 104219 111240 9.91% 6.74% of which Priorty Sector 35653 38445 38401 7.71% -0.11% Non-Priorty Sector 65557 65774 72839 11.11% 10.74% 72839 Non Priority Sector 62440 65557 38401 Priority Sector 38445 35653 0 10000 20000
Slide 9: Priority Sector advances
As on PARTICULARS % to % to % to Mar 15 Dec 15 Mar 16 ANBC ANBC ANBC ANBC 93621 104180 104180 (As of previous year) Priority Sector * 39094 41.76% 41779 40.10% 41485 39.82% of which Direct Agriculture 10270 10.97% 11663 11.20% 11910 11.43% Indirect Agriculture 5251 5.61% 5112 4.91% 5265 5.05% (Incl
Slide 10: Retail credit
As on % Growth Particulars Mar 15 Dec 15 Mar 16 Y-o-Y Q-o-Q Total Retail Credit 11,817.11 12,234.21 12,567.96 6.35% 2.73% of which Housing 9,868.34 10,272.30 10,550.01 6.91% 2.70% Vehicle 648.96 618.44 614.22 -5.35% -0.68% Education 702.79 799.10 804.06 14.41% 0.62% Mar 15 Dec 15 Mar 16 5% 6% 7% 4%
Slide 11: Sector exposure: CRE, NBFC, Infrastructure, Power
As on % to As on % to Sector Mar 15 G Adv Mar 16 G Adv CRE 7047 6.96% 6961 6.26% NBFC 13322 13.16% 17385 15.63% Infra. 15030 14.85% 13939 12.53% of which Power 10324 10.20% 8147 7.32% Total 35399 34.98% 38285 34.42% Break-up of exposure to Power Sector As on % to As on % to Sector Mar 15 G Adv Mar 1
Slide 12: Asset classification and Gross NPA
As on Mar 15 Dec 15 Mar 16 Particulars % of % of % of Amount Amount Amount G Adv G Adv G Adv Standard 94808 93.67% 95917 92.03% 100854 90.66% Sub-Standard 2975 2.94% 4031 3.87% 5343 4.80% Doubtful 2375 2.35% 3936 3.78% 4499 4.04% Loss 1052 1.04% 335 0.32% 544 0.49% Gross NPA 6402 6.33% 8302 7.97% 10
Slide 13: NPA movement
Year Ended Quarter Ended Particulars Mar 15 Mar 16 Mar 15 Dec 15 Mar 16 OPENING GROSS NPA 2860 6402 6187 7986 8302 Less- CASH RECOVERIES 430 645 294 244 355 LESS UPGRADATION 398 191 430 458 311 LESS WRITE OFF 264 903 113 96 20 TOTAL REDUCTION 1091 1740 837 798 686 ADD SLIPPAGES 4624 5623 1011 1054 2
Slide 14: Sector-wise NPA
As on Sectors Mar 15 Dec 15 Mar 16 Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Agriculture 12080 739 6.12% 14249 971 6.81% 14852 1206 8.12% Retail 11817 270 2.29% 12234 420 3.43% 12568 387 3.08% MSE 16800 2685 15.98% 17152 3114 18.15% 17172 3159 18.40% Medium
Slide 15: Retail credit NPA
As on Mar 2015 Dec 2015 Mar 2016 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 11817 270 2.29% 12234 420 3.43% 12568 387 3.08% of which Housing 9868 196 1.99% 10272 313 3.05% 10550 292 2.76% Vehicle 649 28 4.24% 618 38 6.22% 614
Slide 16: Standard restructured advances
As on Particulars Mar 15 Dec 15 Mar 16 Standard Restructured Advances 7234 5715 4395 % of Std Restructured Adv to Gross Adv 7.15% 5.48% 3.95% Restructured during the quarter 963 38 258 16
Slide 17: Interest income
Year Ended % Increase Quarter Ended % Increase Particulars Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Interest on Advances 9821 9935 1.16% 2497 2516 2396 -4.76% Interest on Investment 2540 2735 7.69% 659 676 688 1.75% Others 304 383 25.97% 61 63 135 114.46% Total Interest Income 12665 13053 3.07
Slide 18: Interest expenses
Year Ended % Increase Quarter Ended % Increase Particulars Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Interest on Deposits 8085 8422 4.17% 2033 2118 2138 0.92% Others 706 752 6.62% 213 166 167 0.79% Total Interest Exp 8790 9174 4.37% 2246 2284 2305 0.91% Year Ended Quarter Ended 2310 2305 10000
Slide 19: Net interest income and NIM
Year Ended % Increase Quarter Ended % Increase Particulars Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Net Interest Income 3875 3879 0.10% 971 971 915 -5.81% Net Interest Margin (% ) 2.82 2.59 2.73 2.60 2.37 NII NIM (%) 3875 3879 4000 3.00 2.82 2.59 2.73 2.60 2.37 3000 2.00 2000 971 971 915 1.00
Slide 20: Non-interest income
Year Ended % Increase Quarter Ended % Increase Particulars Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Fee Based Income 593.17 675.30 13.85% 179.73 154.62 216.92 40.29% Treasury Income 280.90 234.77 -16.42% 149.38 38.68 98.53 154.73% Of which Net Profit from sale of Investment 205.78 156.94 -23.7
Slide 21: Staff and operating expenses
Year Ended % Increase Quarter Ended % Increase Expenditure Item Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Staff Expenses 1633 * 1541 -5.65% 422 411 378 -8.14% of which AS-15 655 * 589 -10.10% 166 158 129 -17.99% Other Operating Expenses 893 1012 13.34% 254 239 305 27.55% *Includes Rs 102.48 cro
Slide 22: Other operating expenses
Expenditure Item Year Ended % Increase Quarter Ended % Increase (Excl Staff Exp) Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Rent, taxes, lighting 171.52 196.20 14.39% 46.21 49.14 49.16 0.04% Printing & Stationery 21.58 21.58 0.00% 6.51 5.97 5.61 -6.03% Advt. & Publicity 18.47 18.07 -2.17% 6.56 4
Slide 23: Provisions and contingencies
Year Ended Quarter Ended Particulars Mar 15 Mar 16 Mar 15 Dec 15 Mar 16 Non Performing Assets 1387.20 2110.29 467.59 244.91 791.34 Standard/Restructured Advances 139.57 (291.89) (66.63) 58.51 (106.52) Depreciation on Investments (28.40) 26.42 (0.29) 38.39 (24.06) Non-performing Investment 22.13 22.5
Slide 24: Profit and loss summary
Year Ended % Increase Quarter Ended % Increase Particulars Mar 15 Mar 16 Y-o-Y Mar 15 Dec 15 Mar 16 Q-o-Q Total Income 13671.42 14072.29 2.93% 3598.89 3475.98 3566.70 2.61% Total Expenses 11316.33 11727.11 3.63% 2922.49 2934.08 2987.36 1.82% Operating Profit 2355.09 2345.18 -0.42% 676.40 541.90 579.
Slide 25: Capital adequacy under Basel III and Basel II
Particulars Mar 15 Dec 15 Mar 16 Risk Weighted Assets 93435 98896 101690 Total Capital Funds (Basel III) 11152 11383 11399 Tier I Capital 8181 8569 9177 Tier II Capital 2971 2813 2221 Under Basel III (CRAR) (%) 11.94 11.50 11.20 Tier I Capital (%) 8.76 8.66 9.02 Tier II Capital (%) 3.18 2.84 2.18 Un
Slide 26: Key ratios
Year Ended Quarter Ended Particulars Mar 15 Mar 16 Mar 15 Dec 15 Mar 16 Cost of Deposits (%) 7.03 6.75 6.97 6.73 6.59 Yield on Advances (%) 10.99 10.11 10.75 10.18 9.44 Yield on Investments (%) 7.92 7.88 7.94 7.80 7.90 Cost of Funds (%) 6.39 6.12 6.31 6.11 5.97 Yield on Funds (%) 9.21 8.71 9.04 8.71
Slide 27: Branch network and staff strength
Branch Network Staff Strength 2000 16000 14000 2256 2149 2071 657 660 658 1500 12000 10000 5565 4998 5015 433 434 434 1000 8000 364 365 366 6000 500 4000 6368 6781 6679 426 435 437 2000 0 0 Mar 15 Dec 15 Mar 16 Mar 15 Dec 15 Mar 16 Metro Urban Semi Urban Rural Officers Clerks Sub‐staff As on As on C
Slide 28: ATMs, mobile and internet banking users
ATMs(No) ATM Card Base (Lacs) Maha Mobile Users (Lacs) 1870 58 57.19 150.00 1861 56.15 112.21 1859 1860 56 100.00 78.43 1849 53.78 1850 54 50.00 22.80 1840 52 0.00 Mar 15 Dec 15 Mar 16 Mar 15 Dec 15 Mar 16 Mar 15 Dec 15 Mar 16 Internet banking Users E-transaction (%) (Lacs) 5.17 65 60.29 6 4.88 59.3
Slide 29: Awards and recognition
Two Prestigious IDRBT Awards – 11th “Banking Technology Excellence Awards 2014-15”. Best Bank among midsized Banks for – 9 Use of Technology for Fraud Prevention & NPA Management 9 Managing IT Infrastructure ¾ Best Bank Award by CIMSME for Financial Inclusion for Emerging Bank – Winner ¾ CSR & Bus
Slide 30: Disclaimer
The information contained herein speaks only as of the particular date or dates included in the accompanying slides. Bank has taken all the precautions for accuracy of data. However, bank is not responsible and will not be held liable to any one for any unintended error. Bank of Maharashtra does not
Slide 31: Bank of Maharashtra
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