Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q2 FY2023 Earnings Presentation
35 slides from Bank Of Maharashtra's earnings presentation, October 2022
Slide 1: Financial Results for Quarter/Half-Year Ended September 30th, 2022
FINANCIAL RESULTS For Quarter/Half-Year Ended September 30th, 2022
Slide 2: Contents
Contents Page 1. Major Highlights 3 2. Financial Performance 4 - 16 3. Business Performance 17 - 19 4 Asset Quality 20 - 25 5. Capital 26 - 27 6. Digital Banking 28 - 29 7. Financial Inclusion 30 8. Expanding Footprints 31 9. Other Information 32 - 34 2 www.bankofmaharashtra.in /mahabank
Slide 3: Major Highlights
Major Financial Business Asset Quality Capital Highlights Performance Performance (Y-o-Y) (Q: Sept` 22 vis-à-vis Q: Sep` 21) Net Profit Operating Profit NIM % Return on Assets Net NPA % Increased by Increased by 102.93 % 4.43% 3.55 (3.27) 0.92 (0.53) 0.68 (1.73) Total Business Total Deposits Savings
Slide 4: Financial Performance
Major Highlights Financial Business Asset Quality Capital Performance Performance (Quarterly) ( ₹ In Crore ) (Quarterly) ( ₹ In Crore ) Operating Profit Net Profit 1,800 600 535 1,400 1,462 1,500 500 452 1,162 1,179 1,202 1,200 400 355 325 900 300 264 600 200 300 100 0 0 Sept`21 Dec`21 Mar`22 Jun`22
Slide 5: Financial Performance
Major Highlights Financial Business Asset Quality Capital Performance Performance ( ₹ In Crore ) Net Interest Income (Quarterly) (%) NIM % (Quarterly) 2,000 3.8 1,887 3.55 1,800 3.6 1,686 1,612 1,600 1,500 1,527 3.4 3.27 3.28 1,383 1,406 3.17 1,400 1,306 3.2 3.11 3.11 3.06 3.05 1,200 3.0 1,000 2.8 D
Slide 6: Financial Performance
Major Highlights Financial Business Asset Quality Capital Performance Performance (Quarterly) Return on Equity (%) (Quarterly) (Quarterly) Return on Assets (%) 21 Cost to Income (%) 0.92 55 1.0 18.32 51.71 0.81 18 16.75 0.8 50 47.13 0.65 45.63 0.60 44.76 15 13.49 13.96 0.6 0.53 45 41.17 0.41 39.96 3
Slide 7: Statement of Income and Expenditure
Major Highlights Financial Business Asset Quality Capital Performance Performance Statement of Income and Expenditure ( ₹ In Crore ) Quarter Ended Half-Year Ended Year Ended Particulars Sept`21 Jun`22 Sep`22 Y-o-Y (%) Sept`21 Sep`22 Y-o-Y (%) Mar`22 Total Income 4,039 3,774 4,317 7 7,830 8,092 3 15,
Slide 8: Interest Earnings
Major Highlights Financial Business Asset Quality Capital Performance Performance Interest Earnings ( ₹ In Crore ) (Quarterly) ( ₹ In Crore ) (Half-Year Ended) 4,500 8,000 7,273 4,000 3,815 7,000 3,426 3,457 6,311 3,500 3,282 3,207 5,764 6,000 5,673 3,000 5,000 2,500 4,000 2,000 3,000 1,500 2,000 1,
Slide 9: Non-Interest Income
Major Highlights Financial Business Asset Quality Capital Performance Performance Non-Interest Income ( ₹ In Crore ) Quarter Ended Half-Year Ended Particulars Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Sept`20 Sept`21 Sep`22 Fee Based Income 303 305 372 281 306 426 556 587 Treasury Income 113 114 28 (92)
Slide 10: Interest Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Interest Expenses ( ₹ In Crore ) (Quarterly) ( ₹ In Crore ) (Half-Year Ended) 2,400 4,000 3,700 3,603 3,556 3,405 2,000 1,928 1,814 3,200 1,755 1,772 1,708 1,600 2,400 1,200 1,600 800 800 400 - 0 Sept`21 Dec`21 Mar`22
Slide 11: Operating Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Operating Expenses ( ₹ In Crore ) (Quarterly) ( ₹ In Crore ) (Half-Year Ended) 976 2000 1,918 1,000 955 932 927 1,728 801 800 1600 1,512 1,475 600 1200 400 800 200 400 - 0 Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Sept`19 S
Slide 12: Other Operating Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Other Operating Expenses ( ₹ In Crore ) Quarter Ended Half-Year ended Year Ended Particulars Sept`21 Jun`22 Sep`22` Sept`21 Sep`22 Mar`22 Rent, taxes, lighting 47 58 63 112 121 228 Printing & Stationery 6 5 6 10 11 22
Slide 13: Provisions & Contingencies
Major Highlights Financial Business Asset Quality Capital Performance Performance Provisions & Contingencies ( ₹ In Crore ) Quarter Ended Half-Year ended Year Ended Particulars Sept`21 Jun`22 Sep`22` Sept`21 Sep`22 Mar`22 Prov for Non Performing Assets 922 637 532 1,423 1,169 2,578 Prov for Standard
Slide 14: 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 (%) 4.0 3.5 3.44 48 45.63 3.76 44.76 3.8 3.69 3.4 45 3.61 3.32 3.31 3.54 3.27 3.6 3.3 42 3.46 39.96 39.99 3.18 38.82 3.4 3.2 39 3.2 3
Slide 15: Key Financial Ratios
Major Highlights Financial Business Asset Quality Capital Performance Performance Key Financial Ratios Quarterly Yield on Advances (%) Yield on Funds (%) Yield on Investments (%) 8.0 6.7 7.81 6.55 6.6 6.46 7.7 6.5 6.4 7.43 6.27 6.24 7.33 6.20 6.16 6.18 7.4 6.3 6.21 7.22 6.2 6.12 7.04 7.1 6.1 6.0 5.8
Slide 16: Assets & Liabilities – An Overview
Major Highlights Financial Business Asset Quality Capital Performance Performance ( ₹ In Crore ) Assets & Liabilities – An Overview As on Assets Sept`21 Jun`22 Sep`22` Mar`22 Cash & Balance with RBI 13,838 13,761 14,483 19,722 Balances with Bank & Call Money 53 294 29 194 Total Investments (Net of D
Slide 17: 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 78 1,40,000 70 3,37,534 3,44,065 76 3,50,000 3,36,470 1,17,035 1,20,000 3,15,620 1,09,857 1,10,205 74 2,96,808 6
Slide 18: Investments
Major Highlights Financial Business Asset Quality Capital Performance Performance Investments (Quarterly) M Duration (AFS+HFT) (Quarterly) ( ₹ In Crore ) 80,000 74,329 1.80 72,285 72,328 70,731 69,093 70,000 1.75 1.70 60,000 1.63 1.63 50,000 1.60 40,000 1.50 30,000 20,000 1.40 1.40 10,000 1.30 - 1.2
Slide 19: Credit Portfolio – Balanced Loan Growth
Major Highlights Financial Business Asset Quality Capital Performance Performance Credit Portfolio – Balanced Loan Growth ( ₹ In Crore ) Particulars Sept`21 Jun`22 Sep`22` Growth (Y-o-Y) % RETAIL CREDIT Gross Advances 1,15,236 1,40,561 1,48,216 28.62 Particulars Sept`21 Jun`22 Sep`22` Growth (Y-o-Y)
Slide 20: 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 ) Sep`21 Jun`22 Sep`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 21: 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%) – Sep` 22 Petroleum, Coal Products & Nuclear Fuels 1.05 All Engineering 1.29 Top 3 selected sectors are Vehicle Loans 1.31 Housing, Ag
Slide 22: Asset Quality
Major Highlights Financial Business Asset Capital Performance Performance Quality Improved Asset Quality backed by High PCR ( ₹ In Crore ) Particulars Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Standard 1,08,833 1,22,901 1,29,913 1,35,301 1,43,177 Sub-Standard 2,362 2,566 1,986 1,940 1,787 Doubtful 3,406
Slide 23: Sector-wise Credit Deployment & NPA, Movement of NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Sector-wise Credit Deployment & NPA ( ₹ In Crore ) Movement of NPA ( ₹ In Crore ) Sep`21 Jun`22 Sep`22 Particulars Sector Sector Sector Sector Sector Sector Particulars Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Advances Adv
Slide 24: Asset Quality: Retail and MSME Sector NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Retail Sector - NPA ( ₹ In Crore ) Sep`21 Jun`22 Sep`22 Retail Sector NPA % Particulars Sector Sector Sector Sector Sector Sector Advances Advances Advances 2.0 NPA NPA % NPA NPA % NPA % NPA % 1.65 Total Retail Credit
Slide 25: 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 30.09.2022 RP Invoked RP Implemented (as on 30.09.21) RP Implemented (as on 30.06.22) RP Implemented (as on 30.09.22) % to res
Slide 26: Capital Adequacy (%)
Financial Business Major Highlights Performance Performance Asset Quality Capital Capital Adequacy (%) 20 CRAR 18 16.48 16.71 16 16.15 Tier I Capital 14.67 14.85 14.49 14.46 14 12.89 13.65 12.38 12.16 11.38 Tier II Capital 12 10.98 11.00 10.54 10.61 10 8 Bank has raised 6 Rs. 710 Crore, 4.24 4.10 Ti
Slide 27: Equity Holding (%) & Ratios
Financial Business Major Highlights Performance Performance Asset Quality Capital Equity Holding(%) & Ratios Quarterly Particulars Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Domestic Companies, Individuals, Mutual funds/ UTI, 0.25% 4.64% No. of Shares (in crore) 673.05 673.05 673.05 673.05 673.05 0.19% Ne
Slide 28: Digital Footprints
Digital Financial Expanding ESG Initiatives Products, Services & Banking Inclusion Footprints Awards Digital Footprints ATM Card Base (Lakhs) Digital transaction (%) 135 97 130.38 96.38 96.34 95.98 128 126.50 96 95.56 122.60 121 95 94.66 116.95 114 94 110.08 107 93 100 92 Sept`21 Dec`21 Mar`22 Jun`2
Slide 29: Digital Footprints
Digital Financial Expanding ESG Initiatives Products, Services & Banking Inclusion Footprints Awards Digital Footprints UPI/BHIM Users (Lakhs) Internet Banking Users (Lakhs) QR Merchant Onboarding (Lakhs) 28 25 12 24.50 24.89 10.14 21.73 24 22 10 20.3 19.30 20 19 18.30 8 17.20 17.25 15.68 16.19 16 1
Slide 30: Financial Inclusion (in Lakhs)
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 73 72.7 Bima Yojana 71.8 43 72 71.6 40.6 40 37.9 38.6 71 70.6 37 70 69.6 33.4 34 32.8 69 31 6
Slide 31: Expanding Footprints
Digital Banking Financial Expanding ESG Initiatives Products, Services & Inclusion Footprints Awards Bank has been continuously expanding its presence PAN India. No. of Branches Category Sept`21 Dec`21 Mar`22 Jun`22 Sep`22` Metro 482 486 488 484 488 Urban 401 405 412 419 431 Semi Urban 492 502 511 5
Slide 32: Environmental, Social & Governance (ESG) Initiatives
Digital Banking Financial Expanding ESG Products, Services & Inclusion Footprints Initiatives Awards Environmental, Social & Governance (ESG) Initiatives 01 02 03 04 05 In an effort to support Bank has installed climate change , the Sustainable finance ROI for finance to Bank has formulated solar pl
Slide 33: Products, Services & Awards
Products, Financial Expanding Digital Banking Inclusion Footprints ESG Initiatives Services & Awards 33 www.bankofmaharashtra.in /mahabank
Slide 34: Products, Services & Awards
Products, Financial Expanding Digital Banking Inclusion Footprints ESG Initiatives Services & Awards National MSME Awards Best Nationalized Bank in 'Best Bank 2021' Award 2022 Agriculture Finance award at at the hands of Shri. P at the hands of Hon'ble the hands of Shri Bhagwat Rajeeve, Hon'ble Prim
Slide 35: Thank You
age Aq 31 HERise Bank of Maharashtra FRG GSN ST Gar ee uRar cH da THANK YOU SS ew www.bankofmaharashtra.in @@Q@©OO @® O/mahabank
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