Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q1 FY2024 Earnings Presentation

34 slides from Bank Of Maharashtra's earnings presentation, June 2023

  1. Slide 1: Financial Results Quarter Ended June 30th 2023

    FINANCIAL RESULTS Quarter Ended June 30th 2023

  2. Slide 2: Contents

    Contents Page 1. Major Highlights 3 2. Business Performance 4-6 3. Financial Performance 7 – 17 4 Asset Quality 18 - 24 5. Capital 25 - 26 6. Digital Banking 27 - 28 7. Financial Inclusion 29 8. Expanding Footprints 30 9. Other Information 31 - 33 www.bankofmaharashtra.in /mahabank

  3. Slide 3: Major Highlights

    Major Business Financial Asset Quality Capital Highlights Performance Performance (Y-o-Y) (Q: Jun` 23 vis-à-vis Q: Jun` 22) Net Profit Operating Profit NIM % Return on Assets Total Business Increased by Increased by Increased by 95.19 % 55.04 % 3.86 (3.28) 1.33 (0.81) 24.84 % Total Deposits Savings

  4. Slide 4: Business Performance: Total Business

    Major Highlights Business Financial Asset Quality Capital Performance Performance Total Business ( ₹ in Crore ) Last 5 Quarters (%) 24.84 % (Y-o-Y) 4,50,000 100 4,20,041 4,09,202 4,00,000 95 3,65,398 3,36,470 3,44,065 3,50,000 90 3,00,000 85 2,50,000 80 2,00,000 75 1,50,000 70 1,00,000 50,000 65 - 6

  5. Slide 5: Business Performance: CASA Deposit and Gross Advances

    Major Highlights Business Financial Asset Quality Capital Performance Performance CASA Deposit Gross Advances Last 5 Quarters 13.37 % (Y-o-Y) (%) Last 5 Quarters 24.98 % (Y-o-Y) (%) ( ₹ in Crore ) ( ₹ in Crore ) 1,40,000 70 2,00,000 100 1,24,961 1,24,547 1,75,120 1,75,676 1,80,000 1,20,000 90 1,09,8

  6. Slide 6: Business Performance: Investments

    Major Highlights Business Financial Asset Quality Capital Performance Performance Investments (Quarterly) M Duration (AFS+HFT) (Quarterly) ( ₹ in Crore ) 80,000 74,329 72,379 3.0 70,731 68,116 69,215 70,000 60,000 2.5 50,000 2.0 1.81 40,000 1.5 1.40 30,000 1.29 1.34 1.22 20,000 1.0 10,000 - 0.5 Jun`

  7. Slide 7: Financial Performance: Profitability

    Major Highlights Business Financial Asset Quality Capital Performance Performance Profitability ( ₹ in Crore ) Operating Profit ( ₹ in Crore ) (Quarterly) 55.04 % (Y-o-Y) (Quarterly) Net Profit 95.19 % (Y-o-Y) 1,855 1,863 1,000 2,000 882 840 1,580 775 1,600 1,462 800 1,400 1,162 1,179 1,202 600 535

  8. Slide 8: Statement of Income and Expenditure

    Major Highlights Business Financial Asset Quality Capital Performance Performance Statement of Income and Expenditure ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`22 Mar`23 Jun`23 Y-o-Y (%) Mar`23 Total Income 3,774 5,317 5,417 44 18,179 Interest Income 3,457 4,495 4,789 39 15,898 Non-Int

  9. Slide 9: Interest Earnings and Non-Interest Income

    Major Highlights Business Financial Asset Quality Capital Performance Performance Interest Earnings Non-Interest Income ( ₹ in Crore ) (Quarterly) Quarter Ended ( ₹ in Crore ) Year Ended 4,789 Particulars Y-o-Y % 4,900 4,495 Jun`22 Mar`23 Jun`23 Mar`23 4,129 4,200 3,815 Comm. from Advances 106 176 1

  10. Slide 10: Interest Expenses and Operating Expenses

    Major Highlights Business Financial Asset Quality Capital Performance Performance Interest Expenses Operating Expenses ( ₹ in Crore ) (Quarterly) ( ₹ in Crore ) (Quarterly) 3,000 1,250 1,154 2,449 1,105 2,500 2,308 1,040 2,149 1,000 927 1,928 2,000 1,772 801 750 1,500 500 1,000 250 500 - - Jun`22 Se

  11. Slide 11: Other Operating Expenses

    Major Highlights Business Financial Asset Quality Capital Performance Performance Other Operating Expenses ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`22 Mar`23 Jun`23 Y-o-Y (%) Mar`23 Rent, Taxes & Lighting 58 67 64 10 248 Printing & Stationery 5 12 5 4 26 Advertising & Publicity 5 11 6

  12. Slide 12: Provisions & Contingencies

    Major Highlights Business Financial Asset Quality Capital Performance Performance Provisions & Contingencies ( ₹ in Crore ) Quarter Ended Year Ended Particulars Jun`22 Mar`23 Jun`23 Mar`23 Prov for Non Performing Assets 637 545 539 2,253 Prov for Standard/Restructured Assets (257) 280 212 (114) Prov

  13. Slide 13: Key Financial Ratios

    Major Highlights Business Financial Asset Quality Capital Performance Performance Key Financial Ratios Quarterly Cost of Deposits (%) Cost of Funds (%) 4.5 3.8 3.70 3.61 3.62 4.2 4.06 3.6 3.95 3.44 3.76 3.81 3.32 3.31 3.9 3.4 3.27 3.69 3.61 3.18 3.54 3.6 3.46 3.2 3.3 3.0 3.0 2.8 Sep`21 Dec`21 Mar`22

  14. Slide 14: Key Financial Ratios

    Major Highlights Business Financial Asset Quality Capital Performance Performance Key Financial Ratios Quarterly Cost to Income (%) 49 45.63 46 44.76 43 39.96 39.99 39.69 40 38.82 38.34 37.23 37 34 Sep`21 Dec`21 Mar`22 Jun`22 Sept`22 Dec`22 Mar`23 Jun`23 Yield on Investments (%) 6.6 6.34 6.37 6.4 6.

  15. Slide 15: Key Financial Ratios

    Major Highlights Business Financial Asset Quality Capital Performance Performance Key Financial Ratios Quarterly Return on Assets (%) Return on Equity (%) 1.8 30 26.32 24.41 23.73 1.5 1.30 1.32 1.33 25 18.32 1.2 20 16.75 0.92 0.81 13.49 13.96 0.9 0.65 15 11.45 0.53 0.60 0.6 10 0.3 5 0.0 0 Sep`21 Dec

  16. Slide 16: Assets & Liabilities – An Overview

    Major Highlights Business Financial Asset Quality Capital Performance Performance Assets & Liabilities – An Overview ( ₹ in Crore ) Assets Jun`22 Mar`23 Jun`23 Cash & Balance with RBI 13,761 18,508 21,172 Balances with Bank & Call Money 294 21 566 Total Investments (Net of Depreciation & Provision)

  17. Slide 17: Credit Portfolio – Balanced Loan Growth

    Major Highlights Business Financial Asset Quality Capital Performance Performance Credit Portfolio – Balanced Loan Growth ( ₹ in Crore ) Growth RETAIL CREDIT Particulars Jun`22 Mar`23 Jun`23 (Y-o-Y) % Particulars Jun`22 Mar`23 Jun`23 Growth (Y-o-Y) % Gross Advances 1,40,561 1,75,120 1,75,676 24.98 T

  18. Slide 18: Funded exposure to selected sectors & industries

    Major Highlights Business Financial Asset Capital Performance Performance Quality Funded exposure to selected sectors & industries with total exposure (more than 1%) – June` 23 Vehicle Loans 1.14% Petroleum, Coal Products & Nuclear Fuels 1.22% All Engineering 1.25% Top 3 selected sectors are Chemica

  19. Slide 19: External Rating-wise Advances – Above 25 Cr

    Major Highlights Business Financial Asset Capital Performance Performance Quality External Rating-wise Advances – Above 25 Cr ( ₹ in Crore ) Jun`22 Mar`23 Jun`23 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

  20. Slide 20: Improved Asset Quality

    Major Highlights Business Financial Asset Capital Performance Performance Quality Improved Asset Quality ( ₹ in Crore ) Jun`22 Sep`22` Dec`22 Mar`23 Jun`23 Particulars % of Gross % of Gross % of Gross % of Gross % of Gross Amount Amount Adv. Adv. Amount Adv. Amount Adv. Amount Adv. Standard 1,35,301

  21. Slide 21: Gross & Net NPA, Provision Coverage Ratio

    Major Highlights Business Financial Asset Capital Performance Performance Quality Gross & Net NPA (%) Provisions Coverage Ratio (%) 5.56 97.18 98.28 98.37 6.0 100 95.04 96.06 93.77 94.79 4.73 92.38 5.0 93 3.94 3.74 90.44 90.2 4.0 3.4 86 2.94 84.95 3.0 2.47 79 80.76 2.28 76.43 76.86 1.73 75.04 2.0 1.

  22. Slide 22: Movement of NPA and Sector-wise Credit Deployment

    Major Highlights Business Financial Asset Capital Performance Performance Quality Movement of NPA ( ₹ in Crore ) Sector-wise Credit Deployment & NPA ( ₹ in Crore ) Last 5 Quarters Jun`22 Mar`23 Jun`23 Particulars Particulars Sector Sector Sector Sector Sector Sector Jun`22 Sept`22 Dec`22 Mar`23 Jun`

  23. Slide 23: Retail and MSME Sector NPA

    Major Highlights Business Financial Asset Capital Performance Performance Quality Retail Sector - NPA ( ₹ in Crore ) Jun`22 Mar`23 Jun`23 Particulars Sector Sector Sector Sector Sector Retail Sector NPA % Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % 0.94 Total Retail Credit 36,117

  24. Slide 24: Restructuring of Advances

    Major Highlights Business Financial Asset Capital Performance Performance Quality Restructuring of Advances ( ₹ in Crore ) Sector-wise COVID Restructuring under RP 1.0 as on 30.06.2023 RP Invoked RP Implemented Balance (as on 30.06.22) RP Implemented Balance (as on 31.03.23) RP Implemented Balance (

  25. Slide 25: Capital Adequacy

    Business Financial Major Highlights Performance Performance Asset Quality Capital Capital Adequacy (%) 20 Particulars Jun`22 Mar`23 Jun`23 18.14 18.07 17.53 18 16.48 16.71 16.15 RWA for Credit Risk 80,696 96,823 99,432 16 14.67 14.85 14.25 14.36 14 13.47 12.89 RWA for Market Risk 5,696 3,495 4,860 1

  26. Slide 26: Equity Holding and Ratios

    Business Financial Major Highlights Performance Performance Asset Quality Capital Equity Holding(%) & Ratios Quarterly Domestic Companies; Mutual funds/ 0.76% UTI; 0.38% Individuals; Particulars Jun`22 Sept`22 Dec`22 Mar`23 Jun`23 5.51% FIIs, NRIs and OCBs; 0.84% No. of Shares (in crore) 673.05 673.

  27. Slide 27: Digital Banking: Digital Footprints

    Digital Financial Expanding ESG Initiatives Products, Services & Banking Inclusion Footprints Awards Digital Footprints ATM Card Base (Mio.) UPI/BHIM Users (Mio) 13.8 2.60 13.57 2.57 2.56 13.5 13.38 2.56 13.20 2.53 13.2 13.04 2.52 2.49 12.9 2.48 12.65 2.45 12.6 2.44 12.3 2.40 12.0 2.36 Jun`22 Sept`2

  28. Slide 28: Digital Banking: Digital Footprints

    Digital Financial Expanding ESG Initiatives Products, Services & Banking Inclusion Footprints Awards Digital Footprints Digital transaction (%) Internet Banking Users (Lakhs) QR Merchant Onboarding (Lakhs) 97.2 27 12 10.91 11.00 25.20 10.14 10.48 96.92 96.96 97.0 25 24.13 10 22.96 96.8 23 21.73 8 96

  29. Slide 29: Financial Inclusion

    Digital Banking Financial Expanding ESG Initiatives Products, Services & Inclusion Footprints Awards Financial Inclusion (in Lakhs) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri Suraksha Bima 77 Yojana 55.2 56 75 74.1 72.7 51 47.3 73 71.8 71.6 46 70.5 42.2 71 40.6 41 38.6 69 36 6

  30. Slide 30: Expanding Footprints

    Digital Banking Financial Expanding ESG Initiatives Products, Services & Inclusion Footprints Awards Bank plans to have atleast one branch in every district of the country. No. of Branches Category Jun`22 Sept`22 Dec`22 Mar`23 Jun`23 Metro 484 488 501 518 545 Urban 419 431 448 477 490 Semi Urban 521

  31. Slide 31: ESG Initiatives

    Digital Banking Financial Expanding ESG Products, Services & Inclusion Footprints Initiatives Awards MAHA Environmental, Social &GREEN PEHAL Governance (ESG) Initiatives (AN ESG INITIATIVE) Green Finance Tree Plantation & E-Waste Paperless Banking > Bank has introduced a Green Energy > Bank has star

  32. Slide 32: Products, Services & Awards

    Products, Financial Expanding Digital Banking Inclusion Footprints ESG Initiatives Services & Awards www.bankofmaharashtra.in /mahabank

  33. Slide 33: Products, Services & Awards

    Products, Financial Expanding Digital Banking Inclusion Footprints ESG Initiatives Services & Awards Retail Bank of the Year Technology Winner Award Best Innovation in User 2023 in the BFSI Technology Experience of the Year at at India Banking Awards 2023 by Indian India Banking Summit & Summit & Aw

  34. Slide 34: Thank You

    THANK YOU

Bank of Maharashtra — Q1 FY2024 Earnings Presentation on 6ix