Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q3 FY2017 Earnings Presentation

23 slides from Bank Of Maharashtra's earnings presentation, December 2016

  1. Slide 1: Financial Results Quarter / Nine Months ended December 2016

    Financial Results Quarter / Nine Months ended December 2016

  2. Slide 2: Key highlights

    Rs.141500 Cr. Rs.102217 Cr. Rs.60195 Cr. Rs.1123.63 Cr. 2.04% 11.43% 2

  3. Slide 3: Y-o-Y Growth in business

    Y-o-Y Growth 3.90% 8.55% 31.53% As on % Growth Particulars Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Total Business 234572 232901 243717 3.90% 4.64% Deposits 130353 130391 141500 8.55% 8.52% of which CASA 45764 51880 60195 31.53% 16.03% Gross Advances 104219 102509 102217 (1.92%) (0.29%) Gross Investment 352

  4. Slide 4: Total Deposits and CASA

    Total Deposits CASA CA SB CASA 141500 80000 150000 130353 130391 60195 60000 51880 50133 125000 45764 41554 36556 40000 100000 20000 9208 10326 10062 75000 Dec 15 Sep 16 Dec 16 0 Dec 15 Sep 16 Dec 16 CASA Share (%) : Dec 15 – 35.11% Sep 16 – 39.79% Dec 16 – 42.54% 4

  5. Slide 5: Gross Advances and credit deposit ratio

    % 105000 104219 85.00 102509 102217 100000 79.95 78.62 75.00 95000 72.24 90000 65.00 Dec 15 Sep 16 Dec 16 5

  6. Slide 6: Gross Advances: priority and non-priority sector

    As on % Growth Particulars Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Gross Advances 104219 102509 102217 (1.92%) (0.29%) of which Priorty Sector 38446 38173 37049 (3.63%) (2.94%) Non-Priorty Sector 65773 64337 65167 (0.92%) 1.29% 65773 80000 64337 65167 60000 38446 38173 37049 40000 20000 Dec 15 Sep 16 Dec 1

  7. Slide 7: Retail credit

    As on % Growth Particulars Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Total Retail Credit 12234 12820 12818 4.77% (0.01% ) of which Housing 10272 10698 10717 4.33% 0.17% Education 799 870 874 9.38% 0.51% Vehicle 618 612 617 (0.24%) 0.85% Others 544 640 610 12.09% (4.69%) Share in Retail Credit Dec 15 Sep 16 D

  8. Slide 8: Asset quality: NPA classification

    As on % Rise Dec 15 Sep 16 Dec 16 Particulars % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 95917 92.03% 88075 85.92% 86799 84.92% (9.51%) (1.45%) Sub-Standard 4031 3.87% 7623 7.44% 8024 7.85% 99.05% 5.26% Doubtful 3936 3.78% 6182 6.03% 6932 6.78% 76.11% 12.12% Loss 335

  9. Slide 9: Movement of Gross NPA

    9M Ended Quarter Ended Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Opening Gross NPA 6402 10386 7986 13040 14434 Less Cash Recoveries 463 477 244 230 353 Less Upgradation 192 125 458 290 227 Less Write Off 880 552 96 349 201 Total Reduction [A] 1536 1154 798 870 780 Add Slippages 3331 6105 1054 2

  10. Slide 10: Sector-wise advances and NPA

    As on Y-o-Y Growth Dec 15 Sep 16 Dec 16 Sectors Sector Sector Sector Sector Sector Sector Adv Adv Adv Absolute % NPA NPA % NPA NPA % NPA NPA % Agriculture 14249 971 6.81% 15566 1730 11.11% 15204 1896 12.47% 955 6.70% Retail 12234 420 3.43% 12820 598 4.66% 12818 565 4.41% 584 4.77% MSE 17152 3114 18.

  11. Slide 11: Investment portfolio

    As on Particulars Dec 15 Sep 16 Dec 16 A. SLR (i) HFT 25 57 0 (ii) AFS 3931 2162 8177 (iii) HTM 27139 26928 28305 Total SLR Investment 31096 29147 36482 B. Non SLR (i) HFT 40 0 0 (ii) AFS 4015 4728 5616 (iii) HTM 103 1569 1571 Total Non SLR Investment 4158 6298 7187 C. Gross Investment 35254 35445 4

  12. Slide 12: Interest Income

    9M Ended Quarter Ended % Increase (Qtr) Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Interest on Advances 7539 6517 2516 2201 2061 (18.09%) (6.37%) Interest on Investment 2047 2081 676 643 716 5.88% 11.35% Other Interest Income 248 494 63 170 145 129.48% (14.81%) Total Interest Income

  13. Slide 13: Interest Expenses

    9M Ended Quarter Ended % Increase[Qtr] Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Interest on Deposits 6284 6069 2118 1962 2025 (4.39%) 3.19% Other Interest Exp. 585 611 166 207 194 17.30% (6.01%) Total Interest Exp 6870 6680 2284 2169 2219 (2.82% ) 2.31% Interest Expenses (9M) Inter

  14. Slide 14: Net Interest Income and NIM

    9M Ended Quarter Ended % Increase[Qtr] Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Net Interest Income 2964 2411 971 845 702 (27.72%) (16.87%) Net Interest Margin (% ) 2.67 2.04 2.60 2.20 1.73 NII NIM (%) 2964 2411 2.60 3000 3.00 2.67 2.20 2.04 1.73 2000 845 2.00 971 702 1000 1.00 Dec

  15. Slide 15: Non-Interest Income

    9M Ended Quarter Ended Growth [Qtr] Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Fee Based Income 458 536 155 182 170 15.29 (12.58) Treasury Income 136 530 39 86 367 328.51 280.82 Of which Net Profit from sale of Investment 81 451 23 58 338 315.16 280.75 Exchange profit 55 79 16 29 29

  16. Slide 16: Operating Expenditure

    9M Ended Quarter Ended % Increase (Qtr) Expenditure Item Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Staff Expenses 1163 1353 411 446 462 12.27% 3.45% of which AS 15 Provisions 459 575 158 196 193 21.91% (1.73%) Other Operating Expenses 707 781 239 255 278 16.15% 9.12% Total Op. Expenditure 1870

  17. Slide 17: Profit and Loss summary

    9M Ended Quarter Ended % Increase (Qtr) Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Y-o-Y Q-o-Q Total Income 10506 10215 3476 3297 3474 (0.06%) 5.35% Total Expenses 8740 8814 2934 2870 2959 0.84% 3.09% Operating Profit 1766 1401 542 427 515 (4.97%) 20.52% Provisions & Contingencies 1248 2137 345

  18. Slide 18: Key ratios

    9M Ended Quarter Ended Particulars Dec 15 Dec 16 Dec 15 Sep 16 Dec 16 Cost of Deposits (%) 6.80 6.17 6.73 6.17 5.99 Yield on Advances (%) 10.33 8.66 10.18 8.91 8.32 Yield on Investments (%) 7.87 7.77 7.80 7.69 7.63 Cost of Funds (%) 6.17 5.65 6.11 5.64 5.46 Yield on Funds (%) 8.84 7.69 8.71 7.84 7.1

  19. Slide 19: Capital adequacy

    As on Particulars Dec 15 Sep 16 Dec 16 Risk Weighted Assets 98896 99472 98792 % of RWA to Gross Advances 94.89% 97.04% 96.65% Tier I Capital 8569 8436 8766 CET I Capital 7379 7273 7102 Additional Tier I Capital 1190 1163 1664 Tier II Capital 2813 2648 2524 Total Capital Funds 11383 11084 11290 Tier

  20. Slide 20: Shareholding pattern and net worth

    31.12.2015 31.12.2016 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% 0.50 0.43% Others 5.62 4.81% 5.67 4.85% Total 116.83 116.83 As on 31.12.2016 Share Cap (Rs. In Cr)

  21. Slide 21: Branch network and staff strength

    Branch Network Staff Strength 2000 14000 2149 1948 1910 617 617 12000 1600 660 10000 4998 4874 4794 1200 434 433 433 8000 800 6000 365 343 343 4000 6781 6550 6466 400 435 503 503 2000 0 0 Dec 15 Sep 16 Dec 16 Dec 15 Sep 16 Dec 16 Officers Clerks Sub-staff Metro Urban Semi Urban Rural As on As on Cat

  22. Slide 22: ATMs and digital banking

    ATMs(No) Internet banking Users (Lacs) Mobile Banking Users ('000) 1875 6.17 239 5.72 250.000 1880 7 1868 4.88 6 160 1870 1859 5 4 1860 150.000 3 78 1850 2 1 1840 0 50.000 Dec 15 Sep 16 Dec 16 Dec 15 Sep 16 Dec 16 Dec 15 Sep 16 Dec 16 ATM Card Base (Lacs) E-transaction (%) UPI Subscription ('000) 64

  23. Slide 23: Thank You

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Bank of Maharashtra — Q3 FY2017 Earnings Presentation on 6ix