Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q4 FY2019 Earnings Presentation
36 slides from Bank Of Maharashtra's earnings presentation, March 2019
Slide 1: Financial Results for Quarter / Financial Year Ended 31st March 2019
Financial Results For Quarter / Financial Year Ended 31° March 2019
Slide 2: ►Performance Highlights ►Assets, Liabilities & Business Overview ► Loans & Advances
►Performance Highlights ►Assets, Liabilities & Business Overview ► Loans & Advances ►Asset Quality ►Investments ►Income & Expenditure, Profitability ►Financial Ratios ►Resources ►Capital & Capital Adequacy ► Awards & accolades 2
Slide 3: Performance Highlights
Net profit of Rs 72.38 Gross NPA decreased from crore for the Q4 of FY19 as GROSS 19.48% (FY18) to 16.40% against net loss of Rs NET PROFIT NPA (FY19) 113.49 crore in Q4 of FY 18 NIM up by 23 basis point Net NPA decreased from NIM from 2.41 for Q4 of FY 18 11.24% (FY18) to 5.52% to 2.64 for Q4 of FY
Slide 4: Liabilities and Assets
As on % Growth LIABILITIES 31.03.2018 31.12.2018 31.03.2019 Y-o-Y Q-o-Q Capital 2598 2598 2753 5.97% 5.95% Reserves and Surplus 7346 2489 2986 (59.35%) 19.97% Deposits 138981 136002 140650 1.20% 3.42% Borrowings 4064 3461 10149 149.75% 193.24% Other Liabilities & 3340 7197 7997 Provisions 139.43% 11
Slide 5: Business Overview
As on % Growth Particulars Mar 18 Dec 18 Mar 19 Y-o-Y Q-o-Q Total Business 233626 225596 234117 0.21% 3.78% Deposits 138981 136002 140650 1.20% 3.42% of which CASA 66345 63756 69830 5.25% 9.53% CASA Share (%) to Total 47.74% 46.88% 49.65% Deposit Gross Advances 94645 89594 93467 (1.25%) 4.32% Gross
Slide 6: Deposits and Advances
150000 Total Deposit Casa Deposit 138981 140650 69830 136002 66345 63756 70000 140000 54593 53957 56667 60000 50000 40000 130000 30000 20000 11753 9799 13163 10000 0 120000 Mar 18 Dec 18 Mar 19 Mar 18 Dec 18 Mar 19 Current Deposits Savings Deposits CASA Advances CD Ratio 110000 75.00 94645 68.10 934
Slide 7: Priority and Non-Priority Advances
As on % Growth Particulars Mar 18 Dec 18 Mar 19 Y-o-Y Q-o-Q Gross Advances 94645 89594 93467 (1.24%) 4.32% of which Priorty Sector 37521 37032 35426 (5.58%) (4.34%) Non-Priorty Sector 57124 52562 58036 1.60% 10.41% Priority & Non Priority Advances 57124 52562 58036 60000 37521 37032 35426 50000 4000
Slide 8: Retail, Agriculture, MSME Advances
As on % Growth Particulars Mar 18 Dec 18 Mar 19 Y-o-Y Q-o-Q Gross Advances 94645 89594 93467 (1.24%) 4.32% of which Retail Sector 16547 16049 18805 13.65% 17.17% Agriculture Sector 14861 14944 15120 1.74% 1.18% MSME Sector (Incl. Priority & Non-Priority 15939 15070 13727 (13.88%) (8.91%) Total RAM 4
Slide 9: Sector-wise Exposure
Mar 18 Dec 18 Mar 19 % Growth % Growth Sector Amount Amount Amount Y-o-Y Q-o-Q CRE 3189 2323 2414 (24.29%) 3.94% NBFC 12704 8296 10151 (20.10%) 22.36% Infra. 9447 7962 9427 (0.21%) 18.40% of which Power 3853 3808 5209 35.21% 36.80% Telecom 644 11 11 (98.35%) (3.36%) Roads 2848 2765 2656 (6.74%) (3.9
Slide 10: Asset Quality
As on % Change Particulars Mar 18 Dec 18 Mar 19 % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 76212 80.52% 74085 82.69% 78142 83.60% 2.53% 5.48% Sub-Standard 4130 4.36% 3779 4.22% 4165 4.46% 0.85% 10.22% Doubtful 13126 13.87% 11138 12.43% 10296 11.02% (21.56%) (7.56%) Lo
Slide 11: NPA Movement
Period Ended Quarterly Movement Particulars Mar 18 Dec 18 Mar 19 Mar 18 Dec 18 Mar 19 Opening Gross NPA 17189 18433 18433 18128 16873 15509 Less Cash Recoveries 1765 1585 2024 547 466 572 Less Upgradat ion 265 232 262 228 319 395 Less Writ e Off 2460 4842 5127 618 1705 325 Tot al Reduct ion [A] 4490
Slide 12: Sector-wise NPA
As on Mar 18 Dec 18 Mar 19 Sectors Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Agriculture 15067 2490 16.53% 14944 2971 19.88% 15120 2914 19.27% Retail 16547 640 3.87% 16049 835 5.20% 18805 663 3.53% MSE 15078 3090 20.49% 14306 3045 21.28% 13011 2197 16.89% Su
Slide 13: Retail Credit NPA
As on As on As on Mar 18 Dec 18 Mar 19 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 16547 611 3.69% 16049 836 5.21% 18805 663 3.53% of which Housing 13573 462 3.41% 12893 647 5.02% 12052 520 4.31% Education 995 88 8.84% 1094 114
Slide 14: NCLT Cases
Other NCLT Grand NCLT Cases as on 31.03.2019 RBI List 1 RBI List 2 Total Cases Total No. of Accounts 7 12 19 84 103 No of Cases where Resolution Plan has 2 0 2 4 6 approved Number of accounts referred under IBC 7 12 19 84 103 as on 31.03.2019 Outstanding as on 31st Mar 2019 2906.76 2551.91 5458.67 4
Slide 15: Details of Restructured Accounts
Standard NPA TOTAL Details of Restructured Accounts as on No. of No. of No. of 31.03.2019 Accounts Amount Accounts Amount Accounts Amount CDR 0 0 7 441 7 441 SDR 0 0 11 2066 11 2066 Outside SDR 0 0 2 219 2 219 S4A 3 306 2 13 5 318 Sub-Total 3 306 22 2738 25 3044 5/25 7 1607 5 484 12 2091 15
Slide 16: Restructured Standard Advances
As on Particulars Mar 18 Dec 18 Mar 19 Opening Standard Restrucutured Advances 2,395.10 438.98 147.15 Add: Additions in Restructured Accounts 13.79 0.18 438.85 Add: Upgradations 1.85 2.59 2.17 Less: Downgradations (228.31) 11.04 - Less: Ceased to attract (524.76) (265.60) - Add/Less: Additional Disb
Slide 17: Investments
As on % Change PARTICULARS Mar 18 Dec 18 Mar 19 Y-O-Y Q-o-Q A. SLR Investments (i) HFT 0 49 0 - (100.00%) (ii) AFS 7386 6618 7118 (3.63%) 7.56% (iii) HTM 27084 23904 27053 (0.11%) 13.17% Total SLR Investment 34470 30571 34171 (0.87%) 11.78% B. Non SLR Investments (i) HFT 0.50 0.10 0.45 (10.00%) 350.
Slide 18: Profit and Loss
Year ended Quarter Ended %Variation (Qtr) Particulars Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y Q-o-Q Total Income 12602 12397 3094 3056 3161 2.14% 3.42% Total Expenses 10411 10199 2548 2625 2660 4.39% 1.33% Operating Profit 2191 2198 547 432 501 (8.33%) 16.08% Provisions & Contingencies 5457 7327 20
Slide 19: Interest Income
% Year Ended Quarter Ended Particulars Change (Qtr) Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y for Q4 Q-o-Q Interest on Advances 7073 6567 1616 1663 1641 1.53% (1.36%) Interest on Investment 2962 3690 788 879 1019 29.29% 15.92% Other Interest Income 1061 593 289 104 116 (59.79%) 11.75% Total Interest
Slide 20: Interest Expenses
Year Ended Quarter Ended % Change (Qtr) Particulars Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y for Q4 Q-o-Q Interest on Deposits 7133 6751 1684 1685 1680 (0.24%) (0.32%) Other Interest Exp. 574 365 128 89 96 (25.02%) 8.10% Total Interest Exp 7707 7116 1811 1773 1775 (1.98%) 0.10% 20
Slide 21: Net Interest Income and NIM
Year Ended Quarter Ended % Change (Qtr) Particulars Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y for Q4 Q-o-Q Net Interest Income 3390 3733 881 872 1000 13.47% 14.67% NIM (%) 2.32 2.53 2.41 2.41 2.64 (on Avg Interest earning Assets) NII 3733 4000 3390 3500 3000 2500 2000 1500 881 872 1000 1000 500 0 Mar
Slide 22: Other Income
Year Ended Quarter Ended PARTICULARS 31.03.18 31.03.19 31.03.18 31.12.18 31.03.19 Comm., Exchange & Brokerage 748 766 234 169 233 Comm., on Govt. Business 19 19 5 4 6 Fee Based Income 767 786 238 173 239 Recov ery in written off accounts 138 245 70 42 50 Miscellaneous Income 82 126 7 85 9 Total Fee
Slide 23: Operating Expenses
Year Ended Quarter Ended % Variation (Qtr) Expenditure Item Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y for Q4 Q-o-Q Staff Expenses 1618 1794 399 512 461 15.43% (9.91%) of whih AS15 provision 561 630 122 215 170 Other Operating Expenses 1086 1289 337 339 423 25.56% 24.73% Total Op. Expenditure 2704 308
Slide 24: Non-Interest Expenses
Expenditure Item Year Ended Quarter Ended %Variation (Qtr) (Excl Staff Exp) Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Y-o-Y for Q4 Q-o-Q Rent, taxes, lighting 201.57 207.03 52.82 52.93 51.09 (3.28%) (3.48%) Printing & Stationery 18.26 17.49 4.03 3.89 5.21 29.28% 33.93% Advt. & Publicity 13.40 15.10 3.68 6.
Slide 25: Provisions and Contingencies
Year Ended Quarter Ended Particulars Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Non Performing Assets 5,330.89 7,226.82 1,994.60 4,538.00 236.82 Standard/Restructured Assets (131.93) 22.46 (68.33) (25.00) 141.46 Depreciation on Investments 54.12 82.81 (40.27) (140.00) (9.19) Non-performing Investment 129.22
Slide 26: Financial Ratios
Year Ended Quarter Ended Particulars Mar 18 Mar 19 Mar 18 Dec 18 Mar 19 Cost of Deposits (%) 5.31 4.99 5.01 5.01 4.93 Yield on Advances (%) 7.79 7.68 7.15 7.58 7.66 Yield on Investments (%) 7.27 7.26 7.22 7.29 7.34 Cost of Funds (%) 4.88 4.47 4.58 4.53 4.33 Yield on Funds (%) 7.03 6.82 6.81 6.76 6.7
Slide 27: Capital Adequacy
As on Particulars Mar 18 Dec 18 Mar 19 Risk Weighted Assets 81737 73304 72110 % of RWA to Gross Adv ances 86.36% 81.82% 77.15% Tier I Capital 7363 6577 7148 CET I Capital 7335 6549 7127 Additional Tier I Capital 28 28 21 Tier I I Capital 1631 1523 1404 Total Capital Funds 8994 8099 8551 Tier I Ratio
Slide 28: Branches and Staff
As on Category of Branch Mar 18 Dec 18 Mar 19 Metro 474 474 466 Urban 329 329 325 Semi- Urban 428 428 426 Rural 615 615 615 Total Branches 1846 1846 1832 As on Category of Staff Mar 18 Dec 18 Mar 19 Officers 6518 6708 6654 Clerks 4639 4576 4497 Sub-st aff 1775 1780 1762 Total 12932 13064 12913 28
Slide 29: Wide Distribution Network with PAN India presence
Wide Distribution Network with PAN India presence 2 Branch Network As on 31 5 Category of Branch 39 Mar 18 Dec 18 Mar 19 5 1 30 Metro 474 474 466 1 82 Urban 329 329 325 35 10 1 13 Semi- Urban 428 428 426 1 67 144 7 31 1 1 Rural 615 615 615 36 1 Total Branches 1846 1846 1832 8 1,121 27 500 + 100 - 50
Slide 30: Digital Channels
As on No. of Registered Users (in lakhs) Mar 18 Dec 18 Mar 19 No. No. No. Maha Mobile 4.48 5.75 6.11 UPI 0.78 0.95 1.03 Internet Banking 7.40 10.96 11.31 ATM (cards issued) 69.44 41.52 52.95 BHIM 9.39 7.83 8.56 Transactions Mar 18 (Qtr) Dec 18 (Qtr) Mar 19 (Qtr) No. (in Lakhs) Amount (Rs Cr.) No.(in
Slide 31: Share Price Movement
Share Price Movement 20 18 16 14 12 10 ; 1 Jul 2018 Nov 2018 Mar 2019 31
Slide 32: Performance Under Government Schemes
Performance Under Government Schemes Disbursement 17.15 Lakh Policies Rs 567.46 crore 1.54 Lakh Enrolments (Mar 19, Qtr) 8.65 Lakh Policies 56.30 Lakh Accounts 32
Slide 33: Awards & accolades
Awards & accolades IBA Technology Rajbhasha Kirti Puraskar Award: Best for better Financial inclusion implementation of Initiative Rajbhasha Hindi EASE Banking Reform Awards, 2019: First Runner-up SKOCH AWARD in the field of Bank received Skotch Financial Inclusion for deployment Order-Of-Merit Awar
Slide 34: The information contained herein speaks only as of the particular date or dates included
The information contained herein speaks only as of the particular date or dates included in the accompanying slides. Bank has taken all the precautions for accuracy of data. However, bank is not responsible and will not be held liable to any one for any unintended error. Bank of Maharashtra does not
Slide 35: Notes
ao ate Bank of Maharashtra Notes 35
Slide 36: Let's make a progressive move together..
www.bankofmaharashtra.in Let's make a progressive move together.. 36
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