Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q1 FY2023 Earnings Presentation
29 slides from Bank Of Maharashtra's earnings presentation, June 2022
Slide 1: Financial Results for Quarter Ended June 30th, 2022
FINANCIAL RESULTS For Quarter Ended June 30th, 2022
Slide 2: Major Highlights
Major Financial Business Asset Quality Capital Highlights Performance Performance (Y-o-Y) (Q: Jun` 22 vis-à-vis Q: Jun` 21) Net Profit Operating Profit NIM % Return on Assets Net NPA Increased by Increased by 117.25 % 8.60 % 3.28 (3.05) 0.81 (0.41) 0.88 (0.97) Total Business Total Deposits Savings D
Slide 3: Financial Performance
Major Highlights Financial Business Asset Quality Capital Performance Performance ( ₹ In Crore ) NET Interest Income Quarterly % NIM % Quarterly 1,800 4.0 1,686 3.6 1,700 3.27 3.28 1,612 3.11 3.17 1,600 3.2 3.05 1,527 1,500 1,500 2.8 1,406 1,400 2.4 1,300 2.0 Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 Jun`
Slide 4: Financial Performance
Major Highlights Financial Business Asset Quality Capital Performance Performance Return on Assets (%) Return on Equity (%) 0.9 0.81 18 16.75 0.8 16 0.65 13.96 0.7 13.49 0.60 14 0.6 0.53 11.45 12 0.5 0.41 9.91 10 0.4 0.3 8 0.2 6 Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 Jun`21 Sept`21 Dec`21 Mar`22 Jun`22
Slide 5: Statement of Income and Expenditure
Major Highlights Financial Business Asset Quality Capital Performance Performance Statement of Income and Expenditure ( ₹ In Crore ) Quarter Ended Year Ended Particulars Jun`21 Mar`22 Jun`22 Y-o-Y (%) Mar`22 Total Income 3,791 3,949 3,774 (0) 15,672 Interest Income 3,104 3,426 3,457 11 13,019 Non-In
Slide 6: Earnings
Major Highlights Financial Business Asset Quality Capital Performance Performance Earnings ( ₹ In Crore ) Non-Interest Income Quarterly ( ₹ In Crore ) Interest Income Quarterly PARTICULARS Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 4,000 Fee Based Income 253 303 305 372 281 3,457 Treasury Income 300 113 11
Slide 7: Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Expenses ( ₹ In Crore ) Interest Expenses Quarterly ( ₹ In Crore ) Operating Expenses Quarterly 2,100 1,200 1,814 1,755 1,772 987 976 1,800 1,698 1,708 1,000 955 932 801 1,500 800 1,200 600 900 400 600 200 300 - - Jun`
Slide 8: Other Operating Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Other Operating Expenses ( ₹ In Crore ) Quarter Ended Year ended Particulars Jun`21 Mar`22 Jun`22 Y-o-Y (%) Mar`22 Rent, taxes, lighting 65 59 58 (11) 228 Printing & Stationery 4 7 5 17 22 Advt. & Publicity 18 12 5 (75
Slide 9: Provisions & Contingencies
Major Highlights Financial Business Asset Quality Capital Performance Performance Provisions & Contingencies ( ₹ In Crore ) Quarter Ended Year ended Particulars Jun`21 Mar`22 Jun`22 Mar`22 Prov for Non Performing Assets 501 568 637 2,578 Prov for Standard/Restructured Assets 257 (118) (257) 302 Prov
Slide 10: Key Financial Ratios
Major Highlights Financial Business Asset Quality Capital Performance Performance Key Financial Ratios Quarterly Cost of Deposits (%) Cost of Funds (%) Cost to Income (%) 3.8 3.76 3.5 3.44 55 3.73 3.69 3.38 3.7 3.4 50 47.13 3.61 3.32 45.63 44.76 3.27 3.6 3.3 45 39.99 3.46 3.18 39.96 3.5 3.2 40 3.4 3
Slide 11: Assets & Liabilities – An Overview
Major Highlights Financial Business Asset Quality Capital Performance Performance Assets & Liabilities – An Overview ( ₹ In Crore ) Assets Jun`21 Mar`22 Jun`22 Cash & Balance with RBI 9,718 19,722 13,761 Balances with Bank & Call Money 48 194 294 Total Investments (Net of Depreciation & Provision) 7
Slide 12: Business Mix
Major Highlights Financial Business Asset Quality Capital Performance Performance BUSINESS MIX ( ₹ In Crore ) Business Quarterly ( ₹ In Crore ) CASA Deposit Quarterly 4,00,000 80.00 1,40,000 70.00 3,37,534 3,36,470 1,17,035 3,50,000 75.00 1,20,000 3,15,620 1,09,857 65.00 2,96,808 1,02,732 3,00,000 2
Slide 13: Investments
Major Highlights Financial Business Asset Quality Capital Performance Performance Investments ( ₹ In Crore ) Quarterly M Duration (AFS+HFT) 80,000 Quarterly 74,329 2.0 72,821 72,285 72,328 69,093 70,000 1.9 1.87 60,000 1.8 50,000 1.75 1.7 40,000 1.63 30,000 1.6 1.63 20,000 1.5 1.40 10,000 1.4 - Jun`
Slide 14: Credit Portfolio – Balanced Loan Growth
Major Highlights Financial Business Asset Quality Capital Performance Performance Credit Portfolio – Balanced Loan Growth ( ₹ In Crore ) Particulars Jun`21 Mar`22 Jun`22 Growth (Y-o-Y) % RETAIL CREDIT Gross Advances 1,10,592 1,35,240 1,40,561 27.10 Particulars Jun`21 Mar`22 Jun`22 Growth (Y-o-Y) % T
Slide 15: External Rating-wise Advances – Above 25 Cr
Major Highlights Financial Business Asset Capital Performance Performance Quality External Rating-wise Advances – Above 25 Cr ( ₹ In Crore ) Jun`21 Mar`22 Jun`22 Particulars No. of % of O/s No. of % of O/s No. of % of O/s O/s Amount O/s Amount O/s Amount Borrowers Amount Borrowers Amount Borrowers A
Slide 16: Funded exposure to selected sectors & industries
Major Highlights Financial Business Asset Capital Performance Performance Quality Funded exposure to selected sectors & industries with total exposure (more than 1%) – Jun` 22 Chemicals & Chemical Products 1.03 Petroleum, Coal Products & Nuclear Fuels 1.05 Top 3 selected sectors are All Engineering
Slide 17: Asset Quality
Major Highlights Financial Business Asset Capital Performance Performance Quality Improved Asset Quality backed by High PCR ( ₹ In Crore ) Particulars Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 Standard 1,03,571 1,08,833 1,22,901 1,29,913 1,35,301 Sub-Standard 2,323 2,362 2,566 1,986 1,940 Doubtful 4,548 3
Slide 18: Sector-wise Credit Deployment & NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Sector-wise Credit Deployment & NPA ( ₹ In Crore ) Movement of NPA ( ₹ In Crore ) Jun`21 Mar`22 Jun`22 Particulars Sector Sector Sector Sector Sector Sector Particulars Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 Advances Adva
Slide 19: Retail and MSME Sector NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Retail Sector - NPA ( ₹ In Crore ) Jun`21 Mar`22 Jun`22 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Sector Advances Advances Advances 3.0 NPA NPA % NPA NPA % NPA % NPA % 2.33 2.4 Total Retail Cre
Slide 20: Restructuring of Advances
Major Highlights Financial Business Asset Capital Performance Performance Quality Restructuring of Advances ( ₹ In Crore ) Sector-wise COVID Restructuring under RP 1.0 as on 30.06.2022 RP Invoked RP Implemented (as on 30.06.21) RP Implemented (as on 31.03.22) RP Implemented (as on 30.06.22) Std % to
Slide 21: Capital Adequacy (%)
Financial Business Major Highlights Performance Performance Asset Quality Capital Capital Adequacy (%) Last 6 Quarters 18 16.48 16.15 Tier II Capital 16 14.67 14.85 14.49 14.46 14 Tier I Capital 12 11.50 10 9.50 CRAR 8 6 Min. Reg. Total Capital 4 2 Min. Tier 1 Capital + CCB 0 Mar'21 Jun`21 Sept`21 D
Slide 22: Equity Holding (%) & Ratios
Financial Business Major Highlights Performance Performance Asset Quality Capital Equity Holding(%) & Ratios Domestic Mutual funds/ UTI, Individuals, Companies, 0.15% 4.71% 0.28% Quarterly Particulars Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 FIIs, NRIs and OCBs, 0.31% No. of Shares (in crore) 656.02 673.
Slide 23: Digital Footprints
Digital Financial Expanding Products & Awards Banking Inclusion Footprints Services Digital Footprints ATM Card Base (Lakhs) Digital transaction (%) Mobile Banking Users (Lakhs) 130 126.50 97 22 122.60 96.38 20.6 95.98 120 116.95 96 95.56 20 18.90 110.08 18.04 110 95 94.66 18 16.50 100.30 93.89 100
Slide 24: Digital Footprints
Digital Financial Expanding Products & Awards Banking Inclusion Footprints Services Digital Footprints UPI/BHIM Users (Lakhs) QR Merchant Onboarding (Lakhs) 24.5 25 6.0 5.58 22 Bank of Maharashtra 5.0 4.04 4.34 3.76 19 16.19 17.20 Committed towards 4.0 3.36 15.68 16 15.06 Digital Banking with 3.0 13
Slide 25: Financial Inclusion (in Lakhs)
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services Financial Inclusion (in Lakhs) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri Suraksha 72 71.6 71.8 Bima Yojana 40 37.9 38.6 71 70.6 36 33.4 32.8 70 69.6 31.3 32 69 68.2 28 68 24 67 20 Jun`21 Sept`
Slide 26: Expanding Footprints
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services Bank has decided to expand its services to all parts of India. No. of Branches Category Jun`21 Sept`21 Dec`21 Mar`22 Jun`22 Metro 471 482 486 488 484 Urban 374 401 405 412 419 Semi Urban 463 492 502 511 521 Rural 611
Slide 27: Products & Services
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services 27 www.bankofmaharashtra.in /mahabank
Slide 28: Awards
Financial Expanding Products & Digital Banking Inclusion Footprints Services Awards 28 www.bankofmaharashtra.in /mahabank
Slide 29: Thank You
Azadi ka Amrit Mahotsav CaN aap 311 WEeRise i(eke), Bank of Maharashtra URA UPR GT Sar em uRatz om aa THANK YOU www.bankofmaharashtra.in | 00000 O/mahabank
Bank of Maharashtra — Q1 FY2023 Earnings Presentation on 6ix