Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Non-Deal Roadshow (February 2025)
45 slides from Bank Of Maharashtra's roadshow presentation, Feb 15, 2025
Slide 1: Letter to stock exchanges: Investor Presentation
AX1/ISD/STEX/167/2024-25 Date: 15.02.2025 The General Manager The Vice President Department of Corporate Services, Listing Department, BSE Ltd., National Stock Exchange of India Ltd., P.J Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai-400 001 Bandra (East), Mumbai-400 051 B
Slide 2: Investor Presentation
INVESTOR PRESENTATION www.bankofmaharashtra.in /mahabank 1
Slide 3: Table of Contents
Table of Contents 1 Bank of Maharashtra Overview 4 2 Transformational Strategies 6 3 Key Financial Highlights 10 4 Asset Quality 17 5 Capital Adequacy 22 6 Technology & Digital Initiatives 24 7 Key Growth Strategies 33 8 Annexures 35 2
Slide 4: Abbreviations
Abbreviations Abbreviation Meaning AFS Available for Sale CASA Current Account & Savings Account CRAR Capital to Risk Weighted Asset Ratio GNPA Gross Non-Performing Asset HFT Held for Trading LAD Loan against Deposit LAP Loan against Property NII Net Interest Income NNPA Net Non-Performing Asset PCR
Slide 5: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview 4
Slide 6: Overview
Overview Shareholding Pattern Brief Snapshot Credit Rating (As of Dec`24) Founded in 1935, Bank of Maharashtra has a legacy of more than Long Term Ratings Domestic Individuals Mutual 90 years (Tier II Bonds/ Infra Bonds) funds/ Companies, , 7.31% Rating Agency: UTI, 1.13% Bank of Maharashtra has
Slide 7: Transformational Strategies
Transformational Strategies 6
Slide 8: Transformation Strategies (1/2)
Transformation Strategies (1/2) Lending Deposit Recovery Technology • Change in landscape of advances • Attractive OTS scheme to small • Improving the capabilities of Core • CASA to be maintained around i.e. corporate 40% and RAM 60% customer for speeding-up of Banking Solutions (CBS) 50% recovery •
Slide 9: Transformation Strategies (2/2)
Transformation Strategies (2/2) Cost Control Human Resource Branch Risk Use of Technology to replace Management Branch expansion to enhance the Onboarding of Internal Risk Human resources core Business of the Bank & to Rating Software Deployment of HRMS software reduce concentration risk. Surrenderi
Slide 10: Robust Banking Franchise
Robust Banking Franchise 01 Consistent improvement in financial performance 02 A relatively stable and granular RAM portfolio BoM has achieved financial turnaround over the past 3 more than half of the asset base (62% of gross advances)1 years. results in a diversified asset base with a focus on the
Slide 11: Key Financial Highlights
Key Financial Highlights 10
Slide 12: Business Performance
Business Performance Business Expansion Pace Continues Focus on RAM Advances Highest CASA Share among Banks ( ₹ In Crore ) ( ₹ In Crore ) ( ₹ In Crore ) 6% CAGR1 57.85 1,42,507 53.38 52.73 1,24,300 49.28 1,00,076 80,669 117,035 142,774 117035 124,961 234083 270747 279007 203664 228642 124961 175119
Slide 13: Diversified Credit Portfolio
Diversified Credit Portfolio Domestic Gross Advances – Growth driven by Corporate & MSME Advances Profile % Yield on Advances % Dec` 24 ( ₹ In Crore ) 2,28,642 YoY Particulars 21% CAGR2 2,03,664 Growth1 9.15 8.94 1,75,120 27% Retail 24% 37% 1,35,240 8.04 Agriculture 27% 15% 7.29 MSME 21% 21% Corpora
Slide 14: Asset Quality – Industrial Exposures Above 1.0%
Asset Quality – Industrial Exposures Above 1.0% Funded Exposure to select industries (More than 1.0%)- Dec`24 Iron & Steel 1.33% Education 1.40% Top 3 selected sectors are Loans against gold jewellery 1.43% Infrastructure, Agriculture & Vehicle Loans 1.44% Allied Activites and Housing, which cover o
Slide 15: Stable Ratings Profile despite Challenging Environment
Stable Ratings Profile despite Challenging Environment External Rating-wise Advances – Above ₹ 25Cr ( ₹ In Crore ) Dec`23 Dec`24 Particulars No. of % of O/s No. of % of O/s O/s Amount O/s Amount Borrowers Amount Borrowers Amount Total Eligible Exposure for External 435 82,483 100 508 1,00,977 100 Ra
Slide 16: Diversified and Growing Liability Profile
Diversified and Growing Liability Profile Healthy Growth in Deposits Deposit Composition ( ₹ In Crore ) 2,79,007 Dec`23 Dec`24 2,70,747 12% CAGR1 2,34,083 2,02,294 39% 37% 50% 51% 11% 12% Mar'22 Mar`23 Mar`24 Dec`24 Savings Deposit Current Deposits Term Deposits CASA Term Deposits Total Deposits ( ₹
Slide 17: A Balanced Approach to Treasury Operations
A Balanced Approach to Treasury Operations Particulars ( ₹ In Crore ) Mar`22 Mar`23 Mar`24 Dec`24 (9M) Interest on Investments 4,385 4,267 4,461 3,981 Yield on investments 6.24 % 6.11 % 6.47 % 6.91 % Gross Investments 69,093 69,215 68,593 80,852 M-Duration (AFS+HFT/ Total Portfolio) 1.63 / 3.55 1.22
Slide 18: Asset Quality
Asset Quality 17
Slide 19: Asset Quality – One of the lowest impaired/stressed assets
Asset Quality – One of the lowest impaired/stressed assets in the industry Rising Trend in Standard Advances Unprovided NPAs Pose Insignificant Risk to Networth 98.12 98.20 12.54 97.53 96.06 3.41 2.38 1.75 Mar'22 Mar`23 Mar`24 Dec`24 Mar'22 Mar`23 Mar`24 Dec`24 Stnd. Advances/ Gross Advance (%) NNPA
Slide 20: Asset Quality – Delinquency Rate and Credit Cost
Asset Quality – Delinquency Rate and Credit Cost A Declining Trend in Delinquency Ratio Lower Delinquency Rate Leads to Lower Credit Cost 2.05 1.91 1.24 1.29 1.07 1.04 0.73 0.69 Mar'22 Mar`23 Mar`24 Dec`24 Mar'22 Mar`23 Mar`24 Dec`24 Provision Coverage Ratios Improve Accompanied by Fall in Net Non-P
Slide 21: Asset Quality – Sectoral & Segmental NPA Position
Asset Quality – Sectoral & Segmental NPA Position Retail Sector - NPA ( ₹ In Crore ) MSME Sector - NPA ((₹₹ In Crore) ) In Crore Particulars (Dec`24) Advances Sector NPA Sector NPA % Particulars (Dec`24) Advances Sector NPA Sector NPA % Total Retail Credit 61,157 208 0.34 Total MSME Credit 47,606 1,
Slide 22: Consistent improvement in Profitability metrics
Consistent improvement in Profitability metrics Net Interest Income & NIM Operating Profit Net Profit ( ₹ In Crore ) ( ₹ In Crore ) ( ₹ In Crore ) YoY: 42% 3.92 3.98 8,005 YoY: 17% 3.56 4,055 4,027 3.15 YoY: 18% 6,799 6,099 4,848 2,602 9,822 8,549 7,741 1,152 6,044 Mar'22 Mar`23 Mar`24 Dec`24 (9M) M
Slide 23: Capital Adequacy
Capital Adequacy 22
Slide 24: Capital position
Capital position BoM has Stable Capital Ratios % Particulars Dec`23 Sept`24 Dec`24 18.71 18.14 17.38 RWA for Credit Risk 1,11,491 1,35,729 1,42,125 16.48 14.70 14.25 RWA for Market Risk 6,110 858 1,096 13.72 12.38 RWA for Operational Risk 14,537 17,968 17,968 Total RWA 1,32,139 1,54,555 1,61,189 CET
Slide 25: Technology & Digital Initiatives
Technology & Digital Initiatives 24
Slide 26: Leveraging IT & Technology to build a Digital Bank
Leveraging IT & Technology to build a Digital Bank Digital initiatives of Bank of Maharashtra Tab Banking & White label WhatsApp / Door Step Online Saving Payment FASTag QUICK pay Online LAD Chatbot Banking Account Gateway Opening 1 2 3 4 5 6 7 ATM Card Base Digital transaction UPI/BHIM Whatsapp (Mi
Slide 27: New Initiatives in Digital Banking
New Initiatives in Digital Banking Digital Sanctions GST Credit Scheme Video KYC • Need based Credit Scheme upto Rs. 25 lakhs for regular GST payers. • Video KYC is a streamlined process that allows individuals to open saving account online Gold Loan Journey- Branch Assisted without visiting the Bra
Slide 28: New Initiatives in Information Technology
New Initiatives in Information Technology To enhance Core Technology Infra • The bank has implemented NAC (Network Access Control) solution for enhancing the security posture and authenticating in Bank’s WAN. • To enhance the bank’s security posture to protect the CBS Database from cyber-attacks, Ba
Slide 29: ESG Initiatives
ESG Initiatives Maha Green Pehal Green Finance E-Waste Tree Plantation •Collection of Climate Risk •Maha Super Green Housing •Total E-waste collected up to •Total 11,521 trees have been related data across Bank through Loan Scheme - Green Building : 31.12.24 ~166 Ton planted nationwide as Maha Green
Slide 30: Expanding Footprints across India
Expanding Footprints across India No. of Branches Category Dec`23 Mar`24 Jun`24 Sept`24 Dec`24 Metro 586 611 614 619 632 Urban 522 548 549 553 564 Semi Urban 684 720 725 727 746 Rural 609 610 611 609 609 Total Branches 2,401 2,489 2,499 2,508 2,551 Employee Age Profile % (in Years) Below 30 18% 17%
Slide 31: Management Team
Management Team 30
Slide 32: Our Experienced Board Members
Our Experienced Board Members Started his banking career at Bank of Baroda & later moved to UCO PhD in Finance, Master in Economics, and Post Graduate Diploma in Bank. He has over 26 years of experience working in diversified HRD & Marketing. Dr. Abhijit Phukon is an officer of Indian Economic areas
Slide 33: Recent Awards
Recent Awards Best Mid Sized Bank in National MSME India during the Awards 2022 IBA Technology 'Banking & Economy at the hands of Award for seven Summit' organised by Hon'ble Prime different categories Business Today at Minister, Shri Gandhinagar, Gujarat. Narendra Modi. Brand Visibility Best Public
Slide 34: Key Growth Strategies
Key Growth Strategies 33
Slide 35: Our Growth Strategies
Our Growth Strategies Improvement in credit quality through business and technological integration Emphasis on core Retail, Agriculture, and MSME business & through collaboration (Co-lending partnership) Adopting Digital Platform for onboarding of customers, operations & compliance Increase in share
Slide 36: Annexures
Annexures 35
Slide 37: P & L Highlights
P & L Highlights ( ₹ In Crore ) Quarter Ended (Un-Audited) * Year Ended (Audited) Particulars Dec`23 Sept`24 Dec`24 Y-o-Y (%) Mar`23 Mar`24 Y-o-Y (%) Total Income 5,851 6,809 7,112 22 18,179 23,493 29 Interest Income 5,171 6,017 6,325 22 15,898 20,495 29 Non-Interest Income 680 792 788 16 2,280 2,99
Slide 38: Interest and Non-Interest Income
Interest and Non-Interest Income ( ₹ In Crore ) Quarter Ended (Un-Audited)* Year Ended (Audited) Particulars Dec`23 Sep`24 Dec`24 Y-o-Y (%) Mar`23 Mar`24 Y-o-Y (%) Interest on Advances 4,026 4,684 4,917 22 11,486 15,826 38 Interest on Investment 1,110 1,313 1,367 23 4,267 4,461 5 Other Interest Inco
Slide 39: Provisions – Credit cost provision trending down
Provisions – Credit cost provision trending down ( ₹ In Crore ) Quarter Ended (Un-Audited) * * Year Ended (Audited) Particulars Dec`23 Sept`24 Dec`24 Mar`23 Mar`24 Prov for Non Performing Assets 581 598 593 2,253 2,174 Prov for Standard/Restructured 254 193 244 (114) 1,319 Assets Prov for Non-perfor
Slide 40: Balance Sheet Highlights
Balance Sheet Highlights ( ₹ In Crore ) Year Ended (Audited) * (Un-Audited) Assets Mar`22 Mar`23 Mar`24 Dec`24 Cash & Balance with RBI 19,722 18,508 21,161 15,466 Balances with Bank & Call Money 194 21 9,150 20 Total Investments (Net of Depreciation & Provision) 68,590 68,867 68,274 80,544 Total Adv
Slide 41: Disclaimer
Disclaimer This presentation has been prepared for general information purposes in respect of Bank of Maharashtra (“Bank”) together with its subsidiary and associate, as applicable (together, with the Bank, the “Group”) only, without regard to any specific objectives, suitability, financial situatio
Slide 42: Disclaimer
Disclaimer This presentation includes certain industry data and projections that have been obtained from industry publications and surveys. Industry publications and surveys and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable, b
Slide 43: Notes
Notes ( ₹ In Crore ) * 42
Slide 44: Notes
Notes ( ₹ In Crore ) * 43
Slide 45: Thank You
Thank You www.bankofmaharashtra.in /mahabank
Bank of Maharashtra — Non-Deal Roadshow (February 2025) on 6ix