Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Non-Deal Roadshow (July 2021)
30 slides from Bank Of Maharashtra's roadshow presentation, July 2021
Slide 1: Schedule of Non-deal Roadshows letter to exchanges
ae aii Bank of Maharashtra RET AAT a Ga ow ait Ta dae AX1/ISD/STEX/2021-22 Date: 03.07.2021 The General Manager, The Vice President, Department of Corporate Services, Listing Department, BSE Ltd., National Stock Exchange of India Ltd, P.J. Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street,
Slide 2: Corporate Presentation July-2021
Corporate Presentation July-2021
Slide 3: Disclaimer
Disclaimer This presentation has been prepared for general information purposes in respect of Bank of Maharashtra (“Bank”) together with its subsidiary and associate, as applicable (together, with the Bank, the “Group”) only, without regard to any specific objectives, suitability, financial situatio
Slide 4: Disclaimer
Disclaimer This presentation is strictly confidential and may not be copied or disseminated, reproduced, re-circulated, re-distributed, published or advertised in any media, website or otherwise, in whole or in part, and in any manner or for any purpose. Any unauthorized use, disclosure or public di
Slide 5: Bank of Maharashtra's Vision Statement
Bank of Maharashtra’s Vision Statement Strictly Private and Confidential © 2021 Bank of Maharashtra. All Rights Reserved 4
Slide 6: Agenda
Agenda 1 Bank of Maharashtra Overview 2 Key Investment Highlights 3 Key Growth Strategies 4 Annexures Strictly Private and Confidential © 2021 Bank of Maharashtra. All Rights Reserved 5
Slide 7: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview Strictly Private and Confidential
Slide 8: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview Shareholding Pattern Brief Snapshot Credit Rating- Tier 2 Bond (As of Mar’ 31, 2021) • Founded in 1935, Bank of Maharashtra (“BoM”) has a rich March 2021: legacy of more than 85 years Rating Agency: Brickwork LIC FI/Banks 1.9% 1.0% Others • Customer base of approxim
Slide 9: Key Investment Highlights
Key Investment Highlights Strictly Private and Confidential
Slide 10: Strong and established banking franchisee
Strong and established banking franchisee Consistently improving financial performance. Bank has achieved financial turnaround over the past 2 years with strong & sustainable Business Growth with healthy capital position. Growth in Gross Advances(13.45%) and Total Deposit(15.95%) is highest among PS
Slide 11: Diversified Asset Portfolio with a focus on retail and MSME segment
Diversified Asset Portfolio with a focus on retail and MSME segment Domestic Gross Advances – Growth driven by MSME & Retail Advances Profile INR Crs FY20 FY21 YoY Growth* % 24% 27% 1,07,654 15% 15% Retail 26% 18% Agriculture 13% 21% 94,889 43% 37% 93,467 MSME 35% Retail Agri MSME Corporate Corporat
Slide 12: Stable Ratings Profile despite challenging environment
Stable Ratings Profile despite challenging environment External Rating-Wise Distribution of Advances 36,463 46,174 47,304 AAA, 20% AAA, 15% AAA, 15% • 68% of the rated book is rated AA, 23% AA, 23% AA, 21% A & above as of FY21 BB & BB & BB & Below, Below, • 85% of the rated book is A, 29% A, 30% A,
Slide 13: Diversified and growing Liability Profile
Diversified and growing Liability Profile Deposits have witnessed a healthy growth % share of Deposits INR Crs FY20 FY21 10% 11% 1,74,006 41% 43% 1,40,650 1,50,066 46% 50% Current Account % Saving Account % Term Deposits % FY19 FY20 FY21 CASA % has improved to 53.99% in FY21 from 50.29% in FY20 Cost
Slide 14: Asset Quality
Asset Quality Consistent improvement in Quality of Book Accompanied by Fall in Non Performing Assets FY19 FY20 FY21 16.40% 12.81% 1% 0.4% 0% 84% 87% 5% 7.23% 11% 8% 2% 5.52% 93% 4.77% 4% 2.48% 4% FY19 FY20 FY21 Standard Sub-Standard Doubtful Loss GNPA NNPA Improving Provision Coverage Ratio Falling
Slide 15: Asset Quality
Asset Quality Exposure to NCLT Accounts (FY21) Restructured Exposure (Standard) 1773 12,070 11,832 10,337 909 430 103 141 136 FY19 FY20 FY21 FY19 FY20 FY21 Restructured Exposure No. Of Accounts Amount Exposure to SMA-1 Accounts Exposure to SMA-2 Accounts 3,629 1,275 3,335 1,131 2,128 702 FY19 FY20 F
Slide 16: Asset Quality
Asset Quality Movement of NPA Particulars (INR Cr) FY19 FY20 FY21 Opening level of Gross NPAs 18,433 15,324 12,152 Total Reductions 7,413 7,213 6,575 Of which Recovery + Upgradation 2,286 1,330 1,644 Gross Additions 4,304 4,041 2,202 Of which: Variable 131 49 65 : Fresh Slippages 4,173 3,991 2,138 N
Slide 17: Pan India presence through a wide network of Domestic Banking outlets
Pan India presence through a wide network of Domestic Banking outlets Pan India network of branches Banking Outlets & ATM Network 1,964 1,950 2 5 1,858 1,851 31 4 1,832 1,833 6 30 39 1 1 36 88 FY19 FY20 FY21 10 2 21 1 Banking Outlets ATM 1 11 1 67 149 42 Location/Region wise presence 2 36 12 1,121 C
Slide 18: Leveraging IT & Technology to build a Digital Bank
Leveraging IT & Technology to build a Digital Bank Digital initiatives of Bank of Maharashtra Tab DDE Banking & White label Self-update (Digital Door Step Online Saving Payment FASTag QUICK pay Passbook Document Banking Account Gateway printer kiosk Execution) Opening 1 2 3 4 5 6 7 33.8 94.2% Lakhs
Slide 19: Experienced Management Team
Experienced Management Team Management Team Brief Profile A.S. Rajeev MBA, DISA, CAIIB and Chartered Accountant by qualification. Having three decades of rich Managing Director & CEO and varied banking experience, He has served as Executive Director at Indian Bank and CFO at Vijaya Bank. He has also
Slide 20: Consistently improving Financial Performance
Consistently improving Financial Performance Net Interest Income Net Interest Margins Cost to Income ratio INR Crs CAGR 2.84% 58.39% 15% 51.97% 2.60% 47.39% 4,897 2.53% 4,279 3,733 FY19 FY20 FY21 FY19 FY20 FY21 FY19 FY20 FY21 Provisions Profitability Return Ratios INR Crs INR Crs 7.17% 6.34% 7,327 3
Slide 21: Capital Adequacy Ratio
Capital Adequacy Ratio Bank has stable capital ratios CRAR 11.86% 13.52% 14.49% 3.52% 2.85% 1.95% 0.00% 0.00% 0.03% 9.91% 10.67% 9.88% 10.67% 10.98% 10.98% FY19 FY20 FY21 CET 1 AT 1 Tier 2 Tier 1 Particulars (INR Cr) FY19 FY20 FY21 Common Equity Tier 1 (CET 1) 7,127 8,298 9,161 Additional Tier 1 21
Slide 22: Key Growth Strategies
Key Growth Strategies Strictly Private and Confidential
Slide 23: Bank of Maharashtra's Growth Strategy
Bank of Maharashtra’s Growth Strategy Increase in quality credit portfolio Focus on Retail, Agriculture and MSME segment Focus on growth of core retail business Focus on cross selling of products Strategize and innovate to increase non-interest income Arresting delinquency and robust recovery of NPA
Slide 24: Annexures
Annexures Strictly Private and Confidential
Slide 25: P & L Highlights
P & L Highlights Particulars (INR Cr) FY19 FY20 FY21 Total Income 12,397 13,145 14,494 Total Expense 10,199 10,298 10,536 Operating Profit 2,198 2,847 3,958 Provisions & Contingencies other than taxes 7,327 3,107 2,727 Profit Before Tax (5,129) (260) 1,231 Tax Expense (345) (649) 681 Profit After Ta
Slide 26: Interest and Non Interest Income
Interest and Non Interest Income Particulars (INR Cr) FY19 FY20 FY21 Interest on Advances 6,567 6,409 7,154 Interest on investments 3,690 4,203 4,153 Other Interest Income 593 883 561 Total Interest Income 10,850 11,495 11,869 Fee Based Income 786 851 1,002 Trading Income 391 504 720 Other Income 37
Slide 27: Interest Expense and Operating expense
Interest Expense and Operating expense Particulars (INR Cr) FY19 FY20 FY21 Interest on deposits 6,751 6,757 6,526 Other Interest expense 365 459 445 Total Interest Expense 7,116 7,217 6,971 Staff Expense 1,794 1,744 2,255 Rent, Taxes & Lighting 207 215 218 Printing & Stationery 17 22 18 Advt. & Publ
Slide 28: Provisions
Provisions Particulars (INR Cr) FY19 FY20 FY21 Non Performing Assets 7,227 2,953 2,214 Standard/Restructured Assets 22 38 642 Depreciation on Investments 83 3 (2) Non-performing Investment (182) 53 161 Other provisions 176 60 (288) Provision & Contingencies other than taxes 7,327 3,107 2,727 Income
Slide 29: Balance Sheet Highlights
Balance Sheet Highlights Particulars (INR Cr) FY19 FY20 FY21 Liabilities Capital 2,753 5,824 6,560 Reserves & Surplus 2,986 4,931 5,573 Deposits 1,40,650 1,50,066 1,74,006 Borrowings 10,149 3,670 4,239 Other Liabilities & Provisions 7,997 4,375 6,287 Total 1,64,536 1,68,867 1,96,665 Assets Cash & Ba
Slide 30: Thank You
Thank You