Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — FY2018 Earnings Presentation
40 slides from Bank Of Maharashtra's earnings presentation, March 2018
Slide 1: Financial Results for Quarter/Financial Year ended 31st March 2018
Financial Results for Quarter/ Financial Year ended 31st March 2018 SMALL STEPS TOWARDS BIG CHANGE
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 ►Suit Filed Accounts & Wilful Defaulters ►Capital & Capital Adequacy ►Resources 2
Slide 3: Performance Highlights
Cash Recoveries+Upgradation Operating Profit 111.68% 19.94% TOTAL EXPENDITURE BURDEN COST OF FUNDS 11.34% 11.08 % 68 BPS 3
Slide 4: Liabilities and Assets
As on % Growth LIABILITIES 31.03.2017 31.12.2017 31.03.2018 Y-o-Y Q-o-Q Capital 1168 1380 2598 122.41% 88.30% Reserves and Surplus 6211 5523 7346 18.26% 32.99% Deposits 139053 133593 138981 (0.05%) 4.03% Borrowings 8137 5825 4064 (50.06%) (30.23%) Other Liabilities & 4755 3969 3340 Provisions (29.76
Slide 5: Business Mix
As on % Growth Particulars Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Total Business 240590 228762 233626 (2.89%) 2.13% Deposits 139053 133593 138981 (0.05%) 4.03% of which CASA 62419 59927 66345 6.29% 10.71% CASA Share (%) to Total 44.89% 44.86% 47.74% 285 BPS 288 BPS Deposit Gross Advances 101537 95169 9464
Slide 6: Deposits and CD Ratio
Deposit CASA Deposit 139053 66345 138981 70000 62419 59927 150000 133593 54593 60000 50889 50326 130000 50000 110000 40000 30000 90000 20000 11529 9601 11753 70000 10000 50000 0 Mar 17 Dec 17 Mar 18 Mar 17 Dec 17 Mar 18 Current Deposits Savings Deposits CASA Advances CD RATIO % 101537 80.00 73.02 10
Slide 7: Priority & Non Priority Advances
As on % Growth Particulars Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Gross Advances 101537 95169 94645 (6.79%) (0.55%) of which Priorty Sector 37028 36063 37521 1.33% 4.04% Non-Priorty Sector 64509 59106 57124 (11.45%) (3.35%) Priority & Non Priority Advances 80000 64509 59106 57124 60000 37028 37521 36063 4
Slide 8: Corporate & Non-Corporate Advances
As on % Growth Particulars Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Gross Advances 101537 95169 94645 (6.79%) (0.55%) of which Amount % Amount % Amount % Corporat e/Wholesale 60811 60 54524 57 53117 56 (12.65%) (2.58%) Advances (Adv above Rs. 5 Cr) Non-Corporat e 40726 40 40645 43 41528 44 1.97% 2.17% Advan
Slide 9: Priority Sector Advances
Mar 17 Dec 17 Mar 18 Growth Y-o-Y Growth Q-o-Q % to % to % to PARTICULARS Adv Adv Adv Amt % Amt % ANBC ANBC ANBC ANBC 115432 106046 105371 (10061) (9.55%) (675) (1%) Priorty Sector 40388 34.99% 39163 36.93% 40709 38.63% 321 0.79% 1546 4% (including investment) Priorty Sector (excluding 37028 32.08%
Slide 10: Retail Credit
As on % Growth Particulars Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Total Retail Credit 15792 13537 16547 4.78% 22.24% of which Housing 13595 10748 13573 (0.17%) 26.28% Education 891 982 995 11.69% 1.39% Vehicle 669 980 1068 59.56% 8.94% Others 636 827 911 43.20% 10.26%
Slide 11: MSME Advances
As on Growth Particulars Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q MSME Advances (Priority + Non-Priority) 20419 18514 15939 (21.94%) (13.91%) Manufacturing 5965 5594 5229 (12.34%) (6.52%) Services 14454 12920 10710 (25.90%) (17.11%) Total 20419 18514 15939 (21.94%) (13.91%) Micro 10593 10004 9145 (13.67%) (
Slide 12: Break-up of exposure to Power Sector
Mar 17 Dec 17 Mar 18 % Growth % Growth Sector Amount Amount Amount Y-o-Y Q-o-Q CRE 5883 4273 3189 (45.79%) (25.37%) NBFC 12180 10832 12704 4.30% 17.28% Infra. 11054 10419 9447 (14.54%) (9.33%) of which Power 5687 4737 3853 (32.26%) (18.67%) Telecom 150 1249 644 328.08% (48.41%) Roads 3107 2716 2848
Slide 13: Asset Quality
As on % Change Mar 17 Dec 17 Mar 18 Particulars % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 84348 83.07% 77041 80.95% 76212 80.52% (9.65%) (1.08%) Sub-Standard 5284 5.20% 4011 4.21% 4130 4.36% (21.84%) 2.98% Doubtful 11726 11.55% 13858 14.56% 13126 13.87% 11.93% (5.29%
Slide 14: NPA Movement
Period Ended Particulars Mar 17 Dec 17 Mar 18 Opening Gross NPA 10386 17189 17189 Less Cash Recoveries 810 1325 1765 Less Upgradat ion 149 329 265 Less Writ e Off 1357 1817 2460 Tot al Reduct ion [A] 2316 3471 4490 Add Slippages 9035 3857 5144 Add Variat ion 84 553 591 Tot al Addit ion [B] 9119 4411
Slide 15: Sector-wise NPA
As on Mar 17 Dec 17 Mar 18 Sectors Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Agriculture* 15491 1875 12.11% 14956 2331 15.59% 15067 2490 16.53% Retail 15792 485 3.07% 13537 665 4.91% 16547 640 3.87% SME 18994 4379 23.05% 17320 4149 23.95% 15078 3090 20.49% S
Slide 16: Retail Sector NPA
As on As on As on Mar 17 Dec 17 Mar 18 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 15792 485 3.07% 13537 665 4.92% 16547 637 3.85% of which Housing 13595 369 2.72% 10748 508 4.72% 13573 487 3.59% Education 891 52 5.87% 982 90 9
Slide 17: Recovery Details
Dec 17 Mar 18 Particulars No. Of No. Of Amount Amount Accounts Accounts (Rs. Cr) (Rs. Cr) (in Lakhs) (in Lakhs) Total No. of cases elligible 3.94 3606.00 3.94 3605.67 Total receipts 1.59 912.00 1.91 1070.93 Recoveries in NPA 0.11 42.00 0.17 53.00 Sacrifice on Account of Interest 0.25 8.39 0.33 11.29
Slide 18: Suit Filed Accounts and Recovery
Number Recovery Recovery of Nine during the Particulars Accounts Month Quarter as on Amount as ended ended Recovery FY 31.03.18 on 31.03.18 31.12.17 31.03.18 17-18 SUIT FILED 2488 8571.12 22.75 32.03 54.78 DECREED 1165 1649.16 25.12 101.02 126.14 SARFAESI [13(2)] 9021 8176.89 339.45 129.17 468.62 NC
Slide 19: NCLT Cases as on 31.03.2018
RBI List 1 RBI List 2 Total NCLT Cases as on 31.03.2018 Amount Amount Amount No. of Accounts 10 10 20 Balance as on 31.03.2018 4225 1945 6170 Total Security 4982 1889 6871 Secured Balance 3561 1732 5293 Unsecured Balance 664 213 877 Provision held for the Quarter 2549 1261 3809 Provision required as
Slide 20: Details of Restructured Accounts
Standard NPA TOTAL Details of Restructured Accounts as on No. of No. of No. of 31.03.2018 Accounts Amount Accounts Amount Accounts Amount CDR 1 20 12 909 13 929 SDR 0 0 23 3692 23 3692 Outside SDR 0 0 2 219 2 219 S4A 5 385 0 0 5 385 Sub-Total 6 405 37 4820 43 5225 5/25 8 1646 4 1483 12 3130 20
Slide 21: Restructured Standard Advances Movement
As on Particulars Mar 17 Dec 17 Mar 18 Opening Standard Restrrucutured Advances 4,395.48 2,395.10 2395.1 Add: Additions in Restructured Accounts 312.91 48.61 13.79 Add: Upgradations 9.10 1.24 1.85 Less: Downgradations (1,459.79) (60.95) (228.31) Less: Ceased to attract (589.15) (401.02) (524.76) Add
Slide 22: Investments
As on % Change PARTICULARS Mar 17 Dec 17 Mar 18 Y-O-Y Q-o-Q A. SLR Investments (i) HFT 0 109 0 - (100.00%) (ii) AFS 3201 7846 7386 130.72% (5.87%) (iii) HTM 28412 27415 27084 (4.67%) (1.21%) Total SLR Investment 31613 35370 34470 9.04% (2.55%) B. Non SLR Investments (i) HFT 0 23 1 100.00% (97.80%) (
Slide 23: Income and Expenditure, Profitability
Year ended Quarter Ended %Variation (Qtr) Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Total Income 13570 12602 3355 2995 3094 (7.76%) 3.34% Total Expenses 11743 10411 2929 2575 2548 (13.01%) (1.07%) Operating Profit 1827 2191 426 419 547 28.32% 30.38% Provisions & Contingencies
Slide 24: Interest Income
% Year Ended Quarter Ended Particulars Change (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Interest on Advances 8470 7073 1953 1757 1616 (17.27%) (8.04%) Interest on Investment 2829 2962 749 720 788 5.21% 9.47% Other Interest Income 763 1061 268 248 289 7.59% 16.62% Total Interest Inc
Slide 25: Interest Expenses
Year Ended Quarter Ended % Change (Qtr) Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Interest on Deposits 8076 7133 2006 1732 1684 (16.09%) (2.82%) Other Interest Exp. 812 574 201 139 128 (36.35%) (8.43%) Total Interest Exp 8887 7707 2207 1872 1811 (17.93%) (3.24%) Interest Expe
Slide 26: Net Interest Income and NIM
Year Ended Quarter Ended % Change (Qtr) Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Net Interest Income 3175 3390 763 853 881 15.43% 3.35% NIM (%) (on Avg Interest earning 2.16 2.32 1.97 2.37 2.41 Assets) NIM (%) NII 4000 3390 3175 2.32 2.37 2.41 2.50 2.16 1.97 3000 2.00 1.50 2
Slide 27: Non-Interest Income
Year Ended Quarter Ended % Variation (Qtr) Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Fee Based Income 734 767 198 172 238 20.58% 38.86% Of which Fee Income from Gov t. 19 19 5 4 5 0.00% 25.00% Business Fee Income from 422 405 129 82 131 1.55% 59.76% Adv ances Other Fee Income
Slide 28: Operating Expenditure
Year Ended Quarter Ended % Variation (Qtr) Expenditure Item Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Staff Expenses 1807 1618 454 446 399 (12.09%) (10.35%) of which AS 15 787 561 211 170 122 (42.16%) (28.29%) Other Operating 1048 1086 267 258 337 26.05% 30.71% Expenses Total Op. Expendi
Slide 29: Non-Interest Expenses (Excl Staff Exp)
Expenditure Item Year Ended Quarter Ended %Variation (Qtr) (Excl Staff Exp) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Rent, taxes, lighting 197.56 201.57 52.10 47.50 52.82 1.38% 11.20% Printing & Stationery 21.82 18.26 7.07 5.31 4.03 (43.00%) (24.11%) Advt. & Publicity 16.03 13.40 5.08 2
Slide 30: Provision Required and Made
Total Provision to be made Provision Particulars Required Provision Quarter Ended as on Made 31.03.18 Mar 18 June 18 Sep 18 Dec 18 MTM Provion required for AFS Portfolio 105.82 52.91 26.46 26.46 - for Dec 2017 MTM Provion required for AFS Portfolio 64.08 16.02 16.02 16.02 16.02 for March 2018 MTM Pr
Slide 31: Provisions and Contingencies
Year Ended Quarter Ended Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Non Performing Assets 3,800.20 5,330.89 1,742.76 1,343.62 1,994.60 Standard/Restructured Assets (44.25) (131.93) (83.90) (61.72) (68.33) Depreciation on Investments (7.70) 54.12 3.76 107.75 (40.27) Non-performing Investment 147.
Slide 32: Financial Ratios
Year Ended Quarter Ended Particulars Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Cost of Deposits (%) 6.05 5.31 5.75 5.22 5.01 Yield on Advances (%) 8.50 7.79 7.98 7.81 7.15 Yield on Investments (%) 7.67 7.27 7.40 7.26 7.22 Cost of Funds (%) 5.56 4.88 5.29 4.80 4.58 Yield on Funds (%) 7.56 7.03 7.12 6.99 6.8
Slide 33: Capital Adequacy
As on Particulars Mar 17 Dec 17 Mar 18 Risk Weighted Assets 95473 83679 81737 % of RWA to Gross Adv ances 94.03% 87.93% 86.36% Tier I Capital 8601 7587 7363 CET I Capital 6953 6052 7335 Additional Tier I Capital 1648 1535 28 Tier I I Capital 2074 1860 1631 Total Capital Funds 10674 9446 8994 Tier I
Slide 34: Branch Network and Staff
Category of As on Category of As on Branch Mar 17 Dec 17 Mar 18 Staff Mar 17 Dec 17 Mar 18 Metro 502 482 474 Officers 6380 6389 6518 Urban 343 336 329 Clerks 4723 4756 4639 Semi- Urban 434 428 428 Rural 618 617 615 Sub-staff 1871 1775 1775 Total Branches 1897 1863 1846 Total 12974 12920 12932 Consol
Slide 35: Digital Banking Users and Transactions
As on No. of Registered Users (in lakhs) Mar 17 Dec 17 Mar 18 No. No. No. Maha Mobile 2.92 4.03 4.48 UPI 0.58 0.72 0.78 Internet Banking 6.98 7.37 7.40 ATM (cards issued) 64.54 69.49 69.44 BHIM 2.93 5.66 9.39 Mar 17 (Qtr) Dec 17 (Qtr) Mar 18 (Qtr) Transactions No. (in Amount (Rs No.(in Amount No.(in
Slide 36: Shareholding Pattern
Particulars 31.03.2017 % Holding 31.03.2018 % Holding Govt of India 953.52 81.61% 2260.92 87.01% Banks, Fis & Insur Co 153.13 13.11% 238.19 9.17% FIIs & NRIs 4.99 0.43% 6.09 0.23% Others 56.69 4.85% 93.25 3.59% Total 1168.33 100.00% 2598.45 100.00% As on 31.03.2018 Govt of India Banks, Fis & Insur S
Slide 37: Financial Inclusion: PMJDY and Insurance Schemes
As on Particulars Mar-17 Dec-18 Mar-18 No. of PMJDY Accounts (in Lakhs ) 42.28 50.85 51.57 Deposit Amount in PMJDY Accounts (Rs. in Cr) 932 1024 1149 Av erage Balance in PMJDY Accounts 2204 2013 2228 No. of Transactions routed through BCs (in lakhs) 109.75 85.61 110.74 Amount of transactions routed
Slide 38: Mudra Loan and Stand Up India
2016-17 2017-18 Mar 17 (Qtr) Dec 17 (Qtr) Mar 18 (Qtr) Amount Amount Amount disbursed Amount Amount Amount Particulars disbursed outstanding during outstanding disbursed outstanding during the as on the as on during the as on No of quarter (Rs 31.03.17 (Rs No of quarter 31.12.2017 No of quarter (Rs
Slide 39: 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 40: Thank You
THANK YOU 40