Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q4 FY2017 Earnings Presentation

24 slides from Bank Of Maharashtra's earnings presentation, March 2017

  1. Slide 1: Financial Results: Quarter / Year ended March 2017

    Financial Results : Quarter / Year ended March 2017

  2. Slide 2: Key figures

    Rs.139053 Cr. Rs.101537 Cr. Rs.62419 Cr. Rs. 1508 Cr. 1.99 % 11.18% 2

  3. Slide 3: Y-o-Y Growth

    Y-o-Y Growth 22.47% 6.91% As on % Growth Particulars Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Total Business 250230 243717 240590 (3.85%) (1.28%) Deposits 138990 141500 139053 0.05% (1.73%) of which CASA 50967 60195 62419 22.47% 3.69% Gross Advances 111240 102217 101537 (8.72%) (0.67%) Gross Investment 3633

  4. Slide 4: Total Deposits and CASA

    Total Deposits CASA CA SB CASA 150000 141500 80000 138990 139053 60195 62419 125000 60000 50967 50133 50889 38838 40000 100000 20000 12129 11529 10062 75000 0 Mar 16 Dec 16 Mar 17 Mar 16 Dec 16 Mar 17 CASA Share (%) : Mar 16 – 36.67% Dec 16 – 42.54% Mar 17 – 44.89% 4

  5. Slide 5: Advances and CD Ratio

    % 115000 85.00 111240 110000 80.00 105000 80.03 102217 101537 100000 75.00 95000 72.24 73.02 90000 70.00 Mar 16 Dec 16 Mar 17 Advances CD Ratio (%) 5

  6. Slide 6: Gross Advances: Priority and Non-Priority Sector

    As on % Growth Particulars Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Gross Advances 111240 102217 101537 (8.72%) (0.67%) of which Priorty Sector 38401 37049 37028 (3.58%) (0.06%) Non-Priorty Sector 72839 65167 64509 (11.44%) (1.01%) 72839 68167 80000 64509 60000 38401 37028 34049 40000 20000 Mar 16 Dec 16 Ma

  7. Slide 7: Advances: Priority Sector

    Advances: Priority Sector As on Particulars % to % to % to Mar 16 Dec 16 Mar 17 ANBC ANBC ANBC ANBC 104180 106171 115432 Priority Sector 41485 39.82% 40394 38.05% 40388 34.99% of which Agriculture 11910 11.43% 15204 14.32% 15291 13.25% Total Agri including RIDF 17174 16.49% 17836 16.80% 17960 15.56%

  8. Slide 8: Retail Credit

    As on % Growth Particulars Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Total Retail Credit 12568 12818 15792 25.65% 23.20% of which Housing 10550 10717 13595 28.86% 26.86% Education 804 874 891 10.82% 1.95% Vehicle 614 617 669 8.98% 8.50% Others 600 610 636 6.13% 4.30% Share in Retail Credit Mar 16 Dec 16 Mar

  9. Slide 9: Asset Quality: NPA Classification

    As on % Rise Mar 16 Dec 16 Mar 17 Particulars % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 100854 90.66% 86799 84.92% 84348 83.07% (16.37%) (2.82%) Sub-Standard 5343 4.80% 8024 7.85% 5284 5.20% (1.09%) (34.14%) Doubtful 4499 4.04% 6932 6.78% 11726 11.55% 160.64% 69.17%

  10. Slide 10: Movement of Gross NPA

    Year Ended Quarter Ended Particulars Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Opening Gross NPA 6402 10386 8302 14434 15418 Less Cash Recoveries 645 810 355 353 507 Less Upgradation 191 149 311 227 513 Less Write Off 903 1357 20 201 821 Total Reduction [A] 1740 2316 686 780 1841 Add Slippages 5623 9035 27

  11. Slide 11: Sector-wise Advances and NPA

    As on Y-o-Y Growth Mar 16 Dec 16 Mar 17 Sectors Sector Sector Sector Sector Sector Sector Adv Adv Adv Absolute % NPA NPA % NPA NPA % NPA NPA % Agriculture 14852 1206 8.12% 15515 1896 12.22% 15491 1875 12.11% 640 4.31% Retail 12568 394 3.14% 12818 565 4.41% 15792 485 3.07% 3224 25.65% MSE 17172 3159

  12. Slide 12: Investment Portfolio

    As on Particulars Mar 16 Dec 16 Mar 17 A. SLR (i) HFT 0 0 0 (ii) AFS 3883 8177 3201 (iii) HTM 26337 28305 28412 Total SLR Investment 30220 36482 31613 B. Non SLR (i) HFT 0 0 0 (ii) AFS 3919 5616 5667 (iii) HTM 2192 1571 1561 Total Non SLR Investment 6111 7187 7229 C. Gross Investment 36331 43668 388

  13. Slide 13: Interest Income

    Year Ended Quarter Ended % Growth (Qtr) Particulars % Growth Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Interest on Advances 9935 8470 (14.74%) 2396 2061 1953 (18.49%) (5.22%) Interest on Investment 2735 2829 3.45% 688 716 749 8.82% 4.58% Other Interest Income 383 763 99.11% 135 145 268 98.37% 8

  14. Slide 14: Interest Expenditure

    Year Ended Quarter Ended % Growth[Qtr] Particulars % Growth Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Interest on Deposits 8422 8076 (4.11%) 2138 2025 2006 (6.14%) (0.92%) Other Interest Exp. 752 812 7.88% 167 194 201 20.12% 3.21% Total Interest Exp 9174 8887 (3.13%) 2305 2219 2207 (4.24%) (0.5

  15. Slide 15: Net Interest Income and NIM

    Year Ended Quarter Ended % Increase[Qtr] Particulars Growth % Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Net Interest Income 3879 3175 (18.15%) 915 702 763 (16.56%) 8.73% Net Interest Margin (%) 2.59 1.99 2.37 1.73 1.83 Net Interest Income NIM (%) 3879 3.00 4000 3175 2.59 2.50 2.37 3000 1.99 1.8

  16. Slide 16: Non-Interest Income

    Year Ended Quarter Ended Growth [Qtr] Particulars Growth Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Fee Based Income 675 734 8.68% 217 170 198 (8.88%) 16.33% Treasury Income 235 683 190.75% 99 367 153 55.32% (58.32%) Of which Net Profit from sale of Investment 157 581 270.01% 76 338 130 70.96% (

  17. Slide 17: Operating Expenditure

    Year Ended % Growth Quarter Ended % Growth Expenditure Item Mar 16 Mar 17 Y-o-Y Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Staff Expenses 1,541 1,807 17.28% 378 462 454 20.29% (1.57%) of which AS 15 Provisions 589 787 33.63% 129 193 211 63.22% 9.64% Other Operating Expenses 1,012 1,048 3.61% 305 278 267 (12.3

  18. Slide 18: Profit and Loss Summary

    Year Ended Quarter Ended % Increase (Qtr) Particulars % Growth Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Y-o-Y Q-o-Q Total Income 14072 13570 (3.57%) 3567 3474 3355 (5.94%) (3.42%) Total Expenses 11727 11743 0.14% 2987 2959 2929 (1.96%) (1.02%) Operating Profit 2345 1827 (22.09%) 579 515 426 (26.45%) (17.2

  19. Slide 19: Key Ratios

    Year Ended Quarter Ended Particulars Mar 16 Mar 17 Mar 16 Dec 16 Mar 17 Cost of Deposits (%) 6.75 6.05 6.59 5.99 5.75 Yield on Advances (%) 10.11 8.50 9.44 8.32 7.98 Yield on Investments (%) 7.88 7.67 7.90 7.63 7.40 Cost of Funds (%) 6.12 5.56 5.97 5.46 5.29 Yield on Funds (%) 8.71 7.56 8.34 7.18 7.

  20. Slide 20: Capital Adequacy

    As on Particulars Mar 16 Dec 16 Mar 17 Risk Weighted Assets 101690 98792 95473 % of RWA to Gross Advances 91.41% 96.65% 94.03% Tier I Capital 9177 8766 8601 CET I Capital 8009 7102 6953 Additional Tier I Capital 1168 1664 1648 Tier II Capital 2222 2524 2074 Total Capital Funds 11399 11290 10674 Tier

  21. Slide 21: Shareholding Pattern

    31.03.2016 31.03.2017 Particulars No. of Share % Holding No. of Share % Holding Govt of India 95.35 81.61% 95.35 *81.61% Banks, Financial & Insurance Co. 15.31 13.11% 15.31 13.11% FIIs & NRIs 0.54 0.46% 0.53 0.45% Others 5.63 4.82% 5.64 4.83% Total 116.83 100.00% 116.83 100.00% *After allotment of s

  22. Slide 22: Branch Network and Staff Strength

    Branch Network Staff Strength Metro Urban Semi Urban Rural Officers Clerks Sub-staff 2000 15000 2071 1910 1600 658 617 618 12000 1871 5015 4794 4723 1200 9000 434 433 434 800 366 343 343 6000 400 6679 6466 6380 437 503 502 3000 0 0 Mar 16 Dec 16 Mar 17 Mar 16 Dec 16 Mar 17 Cate gory * As on As on M

  23. Slide 23: ATMs and Digital Banking

    ATMs(No) Internet banking Users (Lacs) Mobile Banking Users ('000) 1878 6.77 292.00 1880 7 300 1875 6.17 239.00 1875 250 6 5.17 1870 200 5 1865 1861 150 112.21 4 1860 100 1855 3 50 1850 2 0 Mar 16 Dec 16 Mar 17 Mar 16 Dec 16 Mar 17 Mar 16 Dec 16 Mar 17 ATM Card Base (Lacs) E-transaction (%) UPI Subs

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Bank of Maharashtra — Q4 FY2017 Earnings Presentation on 6ix