Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — FY2014-15 Earnings Presentation

13 slides from Bank Of Maharashtra's earnings presentation, May 14, 2015

  1. Slide 1: Performance Highlights (Y-o-Y)

    5/14/2015 PURPLE PRIVILEGE : PURPLE SAVINGS ACCOUNT Financial Results - Year/ Quarter Ended March 2015 2 Performance Highlights (Y-o-Y) 7.80 12.00 4.55 8.05 % % % % 2.82 11.94 12.50 17.38 10.43 % % % % % 1

  2. Slide 2: Share Holding Pattern; Capital Adequacy

    5/14/2015 3 Share Holding Pattern As on March 2015 Share Capital ( ` in Cr) 1063.18 No. of Shares (Cr) 106.32 Net Worth ( ` in Cr) 6975.78 80% BV per share ( ` ) 65.61 Return On Equity (%) 6.68 (Annualised) 14% 5% ¾ During the year, Bank has allotted equity shares to GOI of ` 588 crore in conversion

  3. Slide 3: Topline - Business; Composition of Deposits

    5/14/2015 5 Topline - Business As on % Growth Particulars Mar 14 Dec 14 Mar 15 Y-o-Y Q-o-Q Total Business 207172 212650 223329 7.80% 5.02% Deposits 116803 119650 122119 4.55% 2.06% of which CASA Deposit 41921 41541 45297 8.05% 9.04% Gross Advances 90369 93000 101210 12.00% 8.83% Gross Investment 373

  4. Slide 4: Advances; Advances: Priority Sector

    5/14/2015 7 Advances As on % Growth Particulars Mar 14 Dec 14 Mar 15 Y-o-Y Q-o-Q Gross Advances 90369 93000 101210 12.00% 8.83% of which Priorty Sector 34826 36590 39094 12.26% 6.85% Non-Priorty Sector 55543 56410 62116 11.83% 10.11% 70000 62116 55543 56410 60000 50000 40000 30000 36590 39094 34826

  5. Slide 5: Assets Quality; Movement of NPA

    5/14/2015 9 Assets Quality As on % Rise Mar 14 Mar 15 Particulars % of % of Amount Amount Y-o-Y G Adv G Adv Standard 87509 96.84% 94808 93.67% 8.34% Sub-Standard 2159 2.39% 2975 2.94% 37.78% Doubtful 588 0.65% 2375 2.35% 304.14% Loss 113 0.13% 1052 1.04% 830.00% Gross NPA 2860 3.16% 6402 6.33% 123.8

  6. Slide 6: Sector-wise NPA; Restructured Accounts: Industry-Wise

    5/14/2015 11 Sector--wise NPA Sector As on Details March 2014 December 2014 March 2015 Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Agriculture 10276 630 6.13% 11549 812 7.03% 12080 739 6.12% Retail 12344 209 1.70% 13369 317 2.37% 11817 270 2.29% SME 15356 855

  7. Slide 7: Interest Earnings; Interest Expenditure

    5/14/2015 13 Interest Earnings Year Ended % Particulars Mar 14 Mar 15 Increase Interest on Advances 9187.15 9820.78 6.90% Interest on Investment 2543.03 2751.48 8.20% Others 226.47 93.18 Total Interest Income 11956.65 12665.44 5.93% Interest Income 13000 12665 11957 12000 11000 10000 Mar 14 Mar 15 1

  8. Slide 8: NII & NIM; Non-Interest Income

    5/14/2015 15 NII & NIM Year Ended % Particulars Mar 14 Mar 15 Increase Net Interest Income 3508.93 3875.03 10.43% Net Interest Margin (% ) 2.71 2.82 NII NIM (%) 4200 3875 2.82 3800 3.00 2.71 3509 3400 3000 2.50 2600 2200 2.00 Mar 14 Mar 15 Mar 14 Mar 15 16 Non--Interest Income Non Year Ended % Parti

  9. Slide 9: Operating Expenditure; Other Operating Expenditure

    5/14/2015 17 Operating Expenditure Year Ended % Expenditure Item Mar 14 Mar 15 Increase p Staff Expenses 1595.76 1633.21 2.35% of which Salary 806.63 843.59 4.58% Provision -AS 15 & Wage 789.13 789.62 0.06% revision Other Operating Expenses 800.99 892.71 11.45% Total Operating Expenditure 2396.75 25

  10. Slide 10: Profitability; Key Financial Ratios

    5/14/2015 19 Profitability Year Ended % Particulars Mar 14 Mar 15 Increase Total Income 12850 85 12850.85 13671 42 13671.42 6 39% 6.39% Total Expenses 10844.48 11316.33 4.35% Operating Profit 2006.37 2355.09 17.38% Provisions & Contingencies 1258.02 1541.71 22.55% other than taxes Profit before tax

  11. Slide 11: Resources; Customer Reach

    5/14/2015 21 Resources Branch Network Staff Strength 2000 16000 1800 14000 1600 657 2439 2307 2256 648 653 1400 12000 1200 10000 423 429 433 5867 5490 5565 1000 8000 800 600 361 363 364 6000 400 4000 200 422 424 426 6090 6468 6368 0 2000 Mar 14 M Dec 14 D Mar 15 M Rural 648 653 657 0 Semi Mar 14 Dec

  12. Slide 12: New Business Initiatives; Awards & Accolades

    5/14/2015 23 New Business Initiatives ¾“ Purple Previleges” Account for HNIs-with features like Assistance of Dedicated Relationship Manager, specially designed Purple Lounges etc. ¾Mobile Banking app- “MahaMobile” -Designed to be intuitive and user friendly, will enable the Bank’s customers to view

  13. Slide 13: THANK YOU !!

    5/14/2015 THANK YOU !! 13

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