Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q2 FY2018 Earnings Presentation
36 slides from Bank Of Maharashtra's earnings presentation, Sep 30, 2017
Slide 1: Performance Analysis Q2 FY 2018
Performance Analysis Q2 FY 2018
Slide 2: CASA Deposit Share, NIM, Cost to Income Ratio
CASA Dep Share NIM 44.26% 2.64% TOTAL OPERATING EXP BURDEN COST TO INCOME RATIO 8.66 % 35% 1406 BPS 2
Slide 3: Balance Sheet
As on As on As on % Growth Particulars 30.09.2016 31.03.2017 30.09.2017 Y-o-Y Liabilities Capital 1168 1168 1257 7.61% Reserves & Surplus 6876 6211 5949 (13.48%) Deposits 130391 139053 135097 3.61% Borrowings 8645 8137 5844 (32.40%) Other Lia.and Provisions 3895 4755 3500 (10.15%) TOTAL 150975 15932
Slide 4: Total Business
As on % Growth Particulars Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Total Business 232901 233725 228062 -2.08% -2.42% Deposits 130391 136629 135097 3.61% -1.12% of which CASA 51880 60235 59788 15.24% -0.74% Gross Advances 102509 97096 92965 -9.31% (4.25%) Gross Investment 35445 40563 37466 5.70% -7.64% Tota
Slide 5: Total Deposits, CASA and CD Ratio
Total Deposits (Rs. in Cr) CASA (Rs. in Cr) Current Deposits Savings Deposits CASA 140000 136629 135097 70000 60235 59788 51880 60000 49453 49880 130391 41554 50000 130000 40000 30000 20000 10326 10782 9908 10000 120000 Sep 16 Jun 17 Sep 17 0 Sep 16 Jun 17 Sep 17 CASA %: Sept 16 – 39.78%; Jun 17 – 4
Slide 6: Gross Advances: Priority and Non-Priority Sector
As on % Growth Particulars Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Gross Advances 102509 97096 92965 (9.31%) (4.25%) of which Priorty Sector 38173 36672 36916 (3.29%) 0.67% Non-Priorty Sector 64336 60424 56049 (12.88%) (7.24%) Priority & Non Priority Advances 70000 64336 60424 60000 56049 50000 38173 36916
Slide 7: Priority Sector Advances and Retail Credit
Sep 16 Jun 17 Sep 17 % Growth % to % to % to Priorty Sector Adv Adv Adv Adv Y-o-Y Q-o-Q ANBC ANBC ANBC ANBC 102675 106526 106135 Priorty Sector 38173 37.18% 36672 34.43% 36916 34.78% (3.29%) 0.67% of which Agriculture 17974 17.51% 17713 16.63% 18056 17.01% 0.46% 1.94% MSME 15432 15.03% 13678 12.84%
Slide 8: Sector Exposure and Power Sector Break-up
As on % Growth Sector Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q CRE 6939 5292 4730 (31.84%) (10.63%) NBFC 14952 8750 9498 (36.48%) 8.54% Infrastructure 12099 9792 9230 (23.71%) (5.74%) of which Power 7260 5443 4542 (37.43%) (16.55%) Telecom 0 972 850 - (12.53%) Total 33990 23834 23457 (30.99%) (1.58%) Break-
Slide 9: Industry-wise Exposure
Y-o-Y Industry Sep-16 Jun-17 Sep-17 Growth (%) Infrastructure 10619 8992 8497 (19.98) Basic Metal & Metal Product 5230 5143 6349 21.39 All Engineering 3504 3327 3159 (9.87) Chemicals & Chemical Products 3188 2425 2385 (25.19) Textiles 2265 2191 2216 (2.16) Vehicles, Vehicle Parts & Transport Equip.
Slide 10: Infrastructure Exposure Break-up
Y-o-Y Particulars Sep-16 Jun-17 Sep-17 Growth (%) Power 6499 5050 4431 (31.83) Of which: State-owned Power Utilities 1821 1633 1519 (16.59) Telecommunication 153 97 305 99.43 Roads 2362 2368 2286 (3.26) Airports 302 2 2 (99.18) Ports 352 339 334 (5.07) Railways (other than Indian Railways) 17 16 16
Slide 11: Asset Classification and Gross NPA
As on % Rise Sep 16 Jun 17 Sep 17 Particulars % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard 88075 85.92% 79047 81.41% 75726 81.46% (14.02%) (4.20%) Sub-Standard 7623 7.44% 4428 4.56% 4067 4.38% (46.64%) (8.14%) Doubtful 6182 6.03% 13195 13.59% 12985 13.97% 110.02% (1.59%
Slide 12: Movement of Gross NPA
Half Year Ended Quarter Ended Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Opening Gross NPA 10386 17189 13040 17189 18049 Less Cash Recoveries 326 1015 230 630 429 Less Upgradation 112 297 290 177 271 Less Write Off 351 1684 349 315 1368 Total Reduction [A] 789 2996 870 1122 2069 Add Slippages 47
Slide 13: Sector-wise NPA
Sep 2016 Jun 2017 Sep 2017 Sector Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Agriculture* 15566 1730 11.11% 15226 2095 13.76% 15678 2282 14.56% Retail 12820 598 4.66% 16116 610 3.79% 13303 666 5.01% MSE 19558 3955 20.22% 18422 4425 24.02% 17662 4283 24.25% Su
Slide 14: Retail Credit NPA
As on Sep 2016 Jun 2017 Sep 2017 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 12820 598 4.66% 16116 610 3.79% 13303 666 5.00% of which Housing 10698 461 4.31% 13659 458 3.35% 10687 504 4.72% Education 870 64 7.33% 906 83 9.16% 9
Slide 15: Restructured Advances
Particulars Sep-16 Jun-17 Sep-17 Standard Restructured Advances 3518 2292 2184 % of Standard Restructured Adv. to Gross 3.43 2.36 2.35 Adv. Restructured during the Quarter 310 17 4 PARTICULARS AS ON 30.09.2017 No. of Accounts Amount CDR 23 1801 SDR 23 3940 S4 A 5 638 15
Slide 16: Restructured Accounts: CDR, SDR, S4A
Sept 16 (Qtr) June 16 (Qtr) Sept 17 (Qtr) Particulars No. of No. of No. of Amount Amount Amount Accounts Accounts Accounts CDR 33 3180 23 2552 23 1801 SDR 0 0 24 4099 23 3940 S4A 0 0 6 771 5 638 5/25 0 0 11 2979 11 2965 Others 34997 3780 37791 3889 37696 3616 Total 35030 6960 37855 14290 37758 12960
Slide 17: SMA-1 and SMA-2 Accounts
Particulars March 17 (Qtr) June 17 (Qtr) Sept 17 (Qtr) SMA-1 9115 6988 7419 SMA-2 7110 7806 7601 Total 16225 14795 15019 Of which Slippage 3520 1626 1027 % of Slippage 21.69% 10.99% 6.84% 17
Slide 18: Provisions under IBC
Particulars Amount Balance as on 30.06.2017 4184 Total Security 7375 Secured Balance 4005 Unsecured Balance 179 Provision held for June 17 Quarter 1784 Additional Provision required till March 18 833 under IBC Additional Provision made in Q2 under IBC 278 18
Slide 19: Investment Portfolio: SLR and Non-SLR
As on % Growth Particulars Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q A. SLR (i) HFT 57 0 0 (ii) AFS 2162 7834 5282 144.27% -32.58% (iii) HTM 26928 25763 27605 2.51% 7.15% Total SLR Investment 29147 33596 32887 12.83% -2.11% B. Non SLR (i) HFT 0 0 1 (ii) AFS 4728 5406 3018 -36.18% -44.18% (iii) HTM 1569 1561
Slide 20: Net Investments Break-up
As on As on As on % Growth Particulars Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Government Securities 30627 35113 34403 12.33% (2.02%) Shares 237 360 354 49.30% (1.71%) Debentures & Bonds 1550 1715 1664 7.34% (2.97%) Subsidiaries & JVs 73 73 73 0.00% 0.00% Others 2859 3032 697 (75.61%) (77.00%) Net Investme
Slide 21: Key Ratios: Yields, Costs, NIM, ROE, ROA
Half Year Ended Quarter Ended Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Cost of Deposits (%) 6.25 5.51 6.17 5.58 5.44 Yield on Advances (%) 8.84 8.09 8.91 7.70 8.45 Yield on Investments (%) 7.85 7.31 7.69 7.33 7.29 Cost of Funds (%) 5.76 5.08 5.64 5.14 5.01 Yield on Funds (%) 7.96 7.17 7.84 6.8
Slide 22: Profit and Loss Summary
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Total Income 6741 6513 3297 3210 3304 0.19% 2.92% Total Expenses 5855 5288 2870 2676 2612 (9.00%) (2.41%) Operating Profit 886 1225 427 533 692 61.91% 29.68% Provisions & 1551 1943 709 1152 791
Slide 23: Interest Income
Half Year Ended Quarter Ended % Growth Particulars Sep 16 Sep 17 Sep 16 Jun 16 Sep 17 Y-o-Y Q-o-Q Interest on Advances 4456 3700 2201 1824 1876 (14.78%) 2.82% Interest on Investment 1365 1455 643 720 735 14.27% 2.02% Other Interest Income 349 525 170 201 324 90.81% 61.38% Total Interest Income 6170
Slide 24: Interest Expenses
Half Year Ended Quarter Ended % Growth (Qtr) Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Interest on Deposits 4044 3717 1962 1891 1827 (6.93%) (3.39%) Other Interest Exp. 417 306 207 161 145 -29.93% (9.91%) Total Interest Exp 4461 4024 2169 2052 1972 (9.12%) (3.90%) Interest Expenses(
Slide 25: Net Interest Income and NIM
Half Year Ended Quarter Ended % Growth (Qtr) Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Net Interest Income 1709 1656 845 693 963 14.03% 39.02% Net Interest Margin (%) 2.38 2.25 2.38 1.87 2.64 NII NIM (%) 2400 1709 1656 2.64 3.00 2.38 2.25 2.38 1.87 1600 963 2.00 845 693 800 1.00 0.0
Slide 26: Non-Interest Income
Half Year Ended Quarter Ended % Increase (Qtr) Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Fee Based Income 366 357 182 172 185 1.25% 7.31% Treasury Income 162 368 86 216 152 76.03% (29.63%) Of which Profit from sale of Investment 113 312 58 188 124 115.96% (33.93%) Exchange profit 50
Slide 27: Operating Expenses
Half Year Ended Quarter Ended % Increase (Qtr) Expenditure Item Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Staff Expenses 891 773 446 392 381 (14.52%) (2.62%) of which Defined Retirement 383 268 187 133 135 (27.80%) (1.50%) Benefit Prov Other Operating 503 491 255 233 259 1.61% 11.25% Total Op.
Slide 28: Non-Interest Expenses (Excluding Staff)
Expenditure Item Half Year Ended Quarter Ended % Increase (Qtr) (Excl Staff Exp) Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Y-o-Y Q-o-Q Rent, taxes, lighting 97.40 101.25 48.67 50.01 51.24 5.28% 2.46% Printing & Stationery 9.25 8.92 3.88 5.39 3.53 (9.02%) (34.51%) Advt. & Publicity 6.59 6.77 4.02 3.55 3.22
Slide 29: Provisions and Contingencies
Half Year Ended Quarter Ended Particulars Sep 16 Sep 17 Sep 16 Jun 17 Sep 17 Non Performing Assets 1525 1993 656 1158 835 Standard/Restructured Assets (2) (2) 1 (32) 30 Depreciation on Investments (26) (13) (9) (9) (4) Non-performing Investment 14 13 12 12 1 Other provisions 40 (48) 49 23 (71) (net
Slide 30: Branches, Staff and Rationalisation
As on As on Category Category Sep 16 Jun 17 Sep 17 Sep 16 Jun 17 Sep 17 Metro 502 502 492 Officers 6550 6567 6491 Urban 343 343 340 Semi- Urban 434 434 434 Clerks 4874 4851 4784 Rural 617 618 617 Sub-staff 1948 1816 1796 Total Branches 1896 1897 1883 Total 13372 13234 13071 Consolidation & Planned f
Slide 31: Digital Banking Users and Transactions
Sep 16 (Qtr) Jun 17 (Qtr) Sep 17 (Qtr) No. of Registered Users No. No. No. Maha Mobile 1 59 731 3 26 711 3 59 686 UPI 4 275 64 371 69 390 Internet Banking 5 72 084 7 05 528 7 18 882 ATM (cards issued) 58 90 103 66 76 547 68 41 599 BHIM -- 4 40 281 5 77 121 Sep 16 (Qtr) Jun 17 (Qtr) Sep 17 (Qtr) Tran
Slide 32: Financial Inclusion: PMJDY and Social Security
Sep 16 Jun 17 Sep 17 Particulars (Qtr) (Qtr) (Qtr) No. of PMJDY Accounts (Lacs ) 35.78 45.40 49.36 Balance in PMJDY Accounts (Rs. in Cr) 625 934 942 Average Balance in PMJDY Accounts 1747 2057 1907 Overdraft in PMJDY A/cs (Amt. in Cr) 0.34 0.31 0.32 No. of Transactions routed through BCs (Lacs) 46.8
Slide 33: Shareholding Pattern
30.09.2016 30.09.2017 Particulars No. of Share % Holding No. of Share % Holding Govt of India 95.35 81.61% 104.24 82.91% Banks, Financial & Insur Co 15.31 13.11% 15.31 12.18% FIIs & NRIs 0.54 0.46% 0.50 0.40% Others 5.63 4.82% 5.67 4.51% Total 116.83 125.72 Govt of India As on 30 Sep 2017 Banks, Fis
Slide 34: Capital Adequacy
As on Particulars Sep 16 Jun 17 Sep 17 Risk Weighted Assets 99472 88904 83973 % of RWA to Gross Advances 97.04% 91.56% 90.33% Tier I Capital 8436 7869 7559 CET I Capital 7273 6222 6024 Additional Tier I Capital 1163 1648 1535 Tier II Capital 2648 1977 1911 Total Capital Funds 11084 9846 9470 Tier I
Slide 35: Disclaimer
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
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