Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — H1 FY2017 Earnings Presentation
28 slides from Bank Of Maharashtra's earnings presentation, September 2016
Slide 1: Financial Results Half Year ended September 2016
PLATINUM Financial Results TVAtL NTA; mmnaNn Half Year ended tember 20
Slide 2: 2.65 % 2.42 % 2.83 % 15.39% 2.21 % 11.14 % 26.59 %
2.65 % 2.42 % 2.83 % 15.39% 2.21 % 11.14 % 26.59 % 2
Slide 3: Shareholding Pattern
30.09.2015 30.09.2016 Particulars No. of Share % Holding No. of Share % Holding Govt of India 84.84 79.80% 95.35 81.61% Banks, Financial & Insur Co 15.31 14.40% 15.31 13.11% FIIs & NRIs 0.55 0.51% 0.51 0.43% Others 5.62 5.28% 5.66 4.85% Total 106.32 116.83 As on 30 Sep 2016 Share Cap (Rs. In Cr) 1,1
Slide 4: Capital Adequacy
As on Particulars Sep 15 Jun 16 Sep 16 Risk Weighted Assets 97821 99028 99472 % of RWA to Gross Advances 97.93% 96.01% 97.04% Tier I Capital 8171 8780 8436 CET I Capital 6982 7613 7273 Additional Tier I Capital 1189 1166 1163 Tier II Capital 2804 2641 2648 Total Capital Funds 10975 11420 11084 Tier
Slide 5: Total Business
As on % Growth Particulars Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Total Business 226892 230533 232901 2.65% 1.03% Deposits 126800 127385 130391 2.83% 2.36% of which CASA 44960 49455 51880 15.39% 4.90% Gross Advances 100092 103148 102509 2.42% (0.62%) Gross Investment 35327 34821 35445 0.33% 1.79% 232901 2
Slide 6: Total Deposits and CASA
Total Deposits CASA 130391 CA SB CASA 131000 127385 51880 126800 60000 49455 44960 50000 40150 41554 35467 40000 116000 30000 20000 9493 9305 10326 10000 101000 0 Sep 15 Jun 16 Sep 16 Sep 15 Jun 16 Sep 16 CASA % : Sep 15 – 35.46% Jun 16 – 38.82% Sep 16 – 39.78% 6
Slide 7: Gross Advances
110000 85.00 103148 102509 100092 100000 80.97 80.00 78.94 78.62 90000 75.00 Sep 15 Jun 16 Sep 16 7
Slide 8: Investment Portfolio
As on Particulars Sep 15 Jun 16 Sep 16 A. SLR (i) HFT 0 0 57 (ii) AFS 3846 1496 2162 (iii) HTM 26279 27756 26928 Total SLR Investment 30126 29252 29147 B. Non SLR (i) HFT 10 0 0 (ii) AFS 5092 3976 4728 (iii) HTM 100 1593 1569 Total Non SLR Investment 5202 5569 6298 C. Gross Investment 35327 34821 35
Slide 9: Gross Advances: Priority and Non-Priority Sector
As on % Growth Particulars Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Gross Advances 100092 103148 102509 2.42% (0.62%) of which Priorty Sector 37725 38194 38173 1.19% (0.05%) Non-Priorty Sector 62367 64954 64336 3.16% (0.95%) 80000 62367 64954 64336 60000 37725 38194 38173 40000 20000 Sep 15 Jun 16 Sep 16 Pr
Slide 10: Retail Credit
As on % Growth Particulars Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Total Retail Credit 11971 12735 12820 7.09% 0.67% of which Housing 10035 10670 10698 6.61% 0.26% Education 776 814 870 12.02% 6.81% Vehicle 607 617 612 0.69% (0.83%) Others 552 634 640 15.98% 0.99% Sep 15 Jun 16 Sep 16 5% 5% 5% 5% 5% 5% 6%
Slide 11: Exposure to Sectors and Power Sector
As on % Growth Sector Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q CRE 6929 6750 6939 0.15% 2.80% NBFC 12795 15770 14952 16.86% (5.19%) Infra. 15179 12530 12099 (20.29%) (3.44%) of which Power 10282 7360 7260 (29.39%) (1.36%) Total 34903 35050 33990 (2.62%) (3.03%) Break-up of exposure to Power Sector As on % G
Slide 12: Asset Classification
As on % Rise Sep 15 Jun 16 Sep 16 Particulars % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 92106 92.02% 90108 87.36% 88075 85.92% (4.38%) (2.26%) Sub-Standard 4325 4.32% 6803 6.60% 7623 7.44% 76.25% 12.05% Doubtful 3245 3.24% 5446 5.28% 6182 6.03% 90.50% 13.51% Loss 416
Slide 13: NPA Movement
Half Year Ended Quarter Ended Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Opening Gross NPA 6402 10386 7575 10386 13040 Less Cash Recoveries 346 326 232 201 230 Less Upgradation 219 112 314 69 290 Less Write Off 784 351 783 2 349 Total Reduction [A] 1349 789 1329 272 870 Add Slippages 2843 4774 1
Slide 14: Sector-wise NPA
As on Y-o-Y Growth Sectors Sep 2015 Jun 2016 Sep 2016 Sector Sector Sector Sector Sector Sector Adv Adv Adv Abs % NPA NPA % NPA NPA % NPA NPA % Agriculture 13924 1000 7.18% 15459 1531 9.90% 15566 1730 11.11% 1642 11.79 Retail 11971 424 3.54% 12735 534 4.20% 12820 598 4.66% 849 7.09 MSE 17704 3033 17
Slide 15: Retail Credit NPA
Sep 2015 Jun 2016 Sep 2016 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 11971 424 3.54% 12735 534 4.20% 12820 598 4.66% of which Housing 10035 318 3.16% 10670 407 3.81% 10698 461 4.31% Education 776 41 5.29% 814 58 7.12% 612 43
Slide 16: Restructured Advances
Particulars Sep-15 Jun-16 Sep-16 Standard Restructured Advances 7145 3872 3518 % of Standard Restructured Adv. to Gross Adv. 7.14 3.75 3.43 Restructured during the Quarter 396 30 331 16
Slide 17: Interest Income
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Interest on Advances 5023 4456 2475 2255 2201 (11.07%) (2.40%) Interest on Investment 1371 1365 707 722 643 (9.04%) (10.94%) Other Interest Income 185 349 75 179 170 125.76% (5.06%) Total Intere
Slide 18: Interest Expenses
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Interest on Deposits 4166 4044 2100 2082 1962 (6.56%) (5.74%) Other Interest Exp. 420 417 188 210 207 10.09% (1.57%) Total Interest Exp 4586 4461 2288 2292 2169 (5.19% ) (5.36% ) Interest Expens
Slide 19: Net Interest Income and NIM
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Net Interest Income 1992 1709 969 864 845 (12.84%) (2.24%) Net Interest Margin (% ) 2.69 2.21 2.62 2.21 2.20 NII NIM (%) 1992 1709 2000 4.00 2.69 2.62 2.21 2.21 2.20 1550 969 864 2.00 845 1100 6
Slide 20: Non-Interest Income
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Fee Based Income 304 366 158 184 182 15.71% (0.76%) Treasury Income 98 162 66 76 86 30.09% 13.64% Of which Net Profit from sale of Investment 58 113 44 55 58 30.37% 4.32% Exchange profit 40 50 2
Slide 21: Operating Expenditure
Half Year Ended Quarter Ended % Increase (Qtr) Expenditure Item Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Staff Expenses 752 891 366 445 446 21.78% 0.24% of which AS 15 & Wage revision 323 383 159 187 196 23.54% 5.00% Other Operating Expenses 468 503 235 249 255 8.36% 2.47% Total Op. Expenditur
Slide 22: Non-Interest Expenses
Expenditure Item Half Year Ended Quarter Ended % Increase (Qtr) (Excl Staff Exp) Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Rent, taxes, lighting 97.90 97.40 53.38 48.73 48.67 (8.82%) (0.12%) Printing & Stationery 10.00 9.25 4.86 5.37 3.88 (20.16%) (27.75%) Advt. & Publicity 7.83 6.59 3.86 2.57
Slide 23: Provisions
Half Year Ended Quarter Ended Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Non Performing Assets 1074 1525 432 869 656 Standard/Restructured Assets (244) (2) 9 (3) 1 Depreciation on Investments 12 (26) (70) (16) (9) Non-performing Investment 16 14 7 2 12 Other provisions 45 40 41 (8) 49 (net of wr
Slide 24: Profit and Loss Summary
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Y-o-Y Q-o-Q Total Income 7029.61 6741.45 3503.48 3444.15 3297.30 (5.89%) (4.26%) Total Expenses 5805.67 5855.44 2889.31 2985.42 2870.02 (0.67%) (3.87%) Operating Profit 1223.94 886.01 614.17 458.73 427.28 (
Slide 25: Key Ratios
Half Year Ended Quarter Ended Particulars Sep 15 Sep 16 Sep 15 Jun 16 Sep 16 Cost of Deposits (%) 6.83 6.25 6.81 6.32 6.17 Yield on Advances (%) 10.41 8.84 10.45 8.77 8.91 Yield on Investments (%) 7.91 7.85 7.92 7.86 7.69 Cost of Funds (%) 6.20 5.76 6.18 5.87 5.64 Yield on Funds (%) 8.90 7.96 8.80 8
Slide 26: Branch Network and Staff Strength
Branch Network Staff Strength 2000 16000 1800 14000 2179 1600 663 656 656 1992 1948 12000 1400 10000 5368 1200 4895 4874 434 429 429 1000 8000 800 6000 366 372 373 600 4000 6562 6523 6550 400 426 438 438 2000 200 0 0 Sep 15 Jun 16 Sep 16 Sep 15 Jun 16 Sep 16 Metro Urban Semi Urban Rural Officers Cle
Slide 27: ATMs and Digital Banking Users
ATMs(No) Internet banking Users (Lacs) SMS/ Mobile Banking Users ('000) 159.73 1868 5.43 5.72 1866 1870 6 4.64 132.63 5 160 1865 1859 4 1860 3 66.30 90 2 1855 1 1850 0 20 Sep 15 Jun 16 Sep 16 Sep 15 Jun 16 Sep 16 Sep 15 Jun 16 Sep 16 ATM Card Base (Lacs) E-transaction (%) 63.52 58.9 61.02 60 58.18 6
Slide 28: WALA RE A
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