Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q1 FY2016 Earnings Presentation
32 slides from Bank Of Maharashtra's earnings presentation, Jun 1, 2015
Slide 1: Bank of Maharashtra
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Slide 2: Performance Highlights (Y-o-Y)
2 Performance Highlights (Y-o-Y) 5.42 10.71 29.36 11.88 % % % % 2.77 11.61 7.58 7.30 % % % %
Slide 3: Share Holding Pattern
3 Share Holding Pattern (Fig in crore) 30.06.2014 30.06.2015 Particulars No. of Share % Holding No. of Share % Holding Govt of India 84.84 85.21% 84.84 79.80% Banks Fis & Ins Banks, Insurr Co 14 91 14.91 7 07% 7.07% 15 18 15.18 14 23% 14.23% FIIs & NRIs 0.55 0.65% 0.67 0.63% Others 6.03 7.07% 5.63 5
Slide 4: Capital Adequacy
LOGO CAPITAL ADEQUACY Jun 14 Mar 15 Risk Ri k Weighted W i ht d Assets A t 84818 93435 95369 Total Capital Funds 9119 11158 11074 Tier I Capital 6295 8188 8170 Tier II Capital 2824 2970 2904 Under Basel III (CRAR) 10.75% 11.94% 11.61% Tier I Capital C 7 42% 7.42% 8 76% 8.76% 8 57% 8.57% Tier II Capi
Slide 5: Topline - Business
5 Topline - Business As on % Growth Particulars Jun 14 Mar 15 Jun 15 Y-o-Y Q-o-Q Total Business 205199 223329 219032 6.74% -1.92% Deposits 116365 122119 122667 5.42% 0.45% of which CASA Deposit 39576 45297 43812 10.71% -3.28% Gross Advances 88835 101210 96365 8.48% -4.79% Gross Investment 32609 3281
Slide 6: Resources
6 Resources B hN Branch t k Network Staff Strength 2000 16000 2345 2256 2196 1600 649 657 657 12000 1200 5565 5455 5653 424 433 433 8000 800 363 364 364 4000 6368 6672 400 5971 422 426 426 0 0 Jun 14 Mar 15 Jun 15 Jun 14 Mar 15 Jun 15 Officers Clerks Sub-staff Metro Urban Semi Urban Rural As on As o
Slide 7: Customer Reach
7 Customer Reach ATMs(No) Internet banking Users SMS/ Mobile Banking (Lacs) Users (Lacs) 1849 1850 1850 4.32 3.62 5 4.03 4 3.35 1840 1829 4 3.29 2.67 3 1830 3 1820 2 2 1810 1 1 1800 0 0 Jun 14 Mar 15 Jun 15 Jun 14 Mar 15 Jun 15 Jun 14 Mar 15 Jun 15 ATM Card Base (Lacs) e-transaction (%) 56.58 55.74
Slide 8: Deposits
8 Deposits Total Deposits CASA Deposits 122667 50000 130000 122119 45297 43812 116365 39576 40000 33890 34677 31113 30000 95000 20000 11407 8463 9135 10000 0 60000 Jun 14 Mar 15 Jun 15 Jun 14 Mar 15 Jun 15 Current g Savings p CASA Deposit CASA as a % to Total Deposits : Jun 14 – 34.01% Mar 15 – 37.0
Slide 9: Advances & CD Ratio
9 Advances & CD Ratio 110000 95.00 101210 100000 96365 90.00 88835 90000 85.00 82 88 82.88 80000 78.56 80.00 70000 76.34 75.00 60000 50000 70.00 Jun 14 Mar 15 Jun 15 Advances CD Ratio
Slide 10: Investments
10 Investments As on Particulars Jun 14 Mar 15 Jun 15 A. SLR Investments (i) HFT 417 478 457 (ii) AFS 682 1345 3770 (iii) HTM 28368 27446 27807 Total SLR Investment 29467 29269 32035 B. Non SLR Investments (i) HFT 0 51 75 (ii) AFS 3037 3402 4677 (iii) HTM 105 98 99 Total Non SLR Investment 3142 3551
Slide 11: Advances
11 Advances As on % Growth Particulars Jun 14 Mar 15 Jun 15 Y-o-Y Q-o-Q Gross Advances 88835 101210 96365 8.48% -4.79% 4.79% of which Priorty Sector 35454 39094 38367 8.22% -1.86% Non-Priorty Sector 53381 62116 57998 8.65% -6.63% 70000 62116 57998 53381 50000 30000 39094 38367 35454 10000 Jun 14 Mar
Slide 12: Advances : Priority Sector
12 Advances : Priority Sector As on PARTICULARS % to % to % to Jun 14 Mar 15 Jun 15 ANBC ANBC ANBC ANBC 93621 93621 104180 (As of previous year) Priority Sector 35454 37.87% 39094 41.76% 38367 36.83% of which Direct Agriculture 8710 9.30% 10270 10.97% 10439 10.02% Indirect Agriculture 1965 2.10% 180
Slide 13: Retail Credit
13 Retail Credit As on Particulars Jun 14 Mar 15 Jun 15 Total Retail Credit 11240 11817 11875 of which Housing 9243 9868 9931 Vehicle 711 649 623 Education 641 703 716 Others 645 597 605 Jun 14 Mar 15 Jun 15 6% 6% 6% 5% 6% 5% 6% 5% 5% 82% 84% 84% Housing Vehicle Education Others Housing Vehicle Educ
Slide 14: Exposure to select sector
14 Exposure to select sector As on % Growth Sector Jun 14 Mar 15 Jun 15 Y-o-Y Q-o-Q CRE 6220 7047 7480 20.27% 6.15% NBFC 8580 13322 10327 20.37% -22.48% Infra. 14023 15030 14798 5.53% -1.54% of which Power 9666 10324 10103 4.52% -2.15% Total 28822 35399 32606 13.13% -7.89% Break--up of exposure to P
Slide 15: Assets Quality
15 Assets Quality As on Jun 14 Mar 15 Jun 15 Category g y % off % off % off Amount Amount Amount G Adv G Adv G Adv Standard 85073 95.77% 94808 93.67% 88790 92.14% Sub-Standard 2680 3.02% 2975 2.94% 3632 3.77% Doubtful 1013 1.14% 2375 2.35% 3124 3.24% Loss 68 0.08% 1052 1.04% 819 0.85% Gross NPA 3761
Slide 16: Movement Of NPA
16 Movement Of NPA Quarter Q t Ended E d d Particulars Jun 14 Mar 15 Jun 15 Opening Gross NPA 2859.85 6186.66 6402.06 C hR Cash Recoveries i 96 38 96.38 293 84 293.84 178 81 178.81 Upgradation 115.88 430.21 134.07 Write Off 93.96 112.77 0.48 Total Reduction [A] 306 22 306.22 836 82 836.82 313 36 313
Slide 17: Sector-wise Exposure
17 Sector--wise Exposure Sector As on Sectors June 2014 March 2015 June 2015 Sector Sector Sector Sector Sector Sector Ad Adv Ad Adv Ad Adv NPA NPA % NPA NPA % NPA NPA % Agriculture 10675 723 6.78% 12080 739 6.12% 12116 902 7.44% Retail 11240 264 2.35% 11817 270 2.29% 11875 383 3.22% MSE 14761 1257
Slide 18: Advances: Industry-wise
18 Advances: Industry Industry--wise As on Nature of Industry June 2014 March 2015 June 2015 Sector Sector Sector Sector Sector Sector Adv Adv Adv NPA NPA % NPA NPA % NPA NPA % Total Mfg Sector 33839 1602 4.73% 38632 2333 6.04% 36675 2942 8.02% of which Textiles 1921 336 17.50% 2275 247 10.87% 2071
Slide 19: Retail Sector - NPA
19 Retail Sector- Sector-NPA As on Jun 14 Mar 15 Jun 15 Sector Sector Sector Sector Sector Sector Sector G Adv G Adv G Adv NPA NPA % NPA NPA % NPA NPA % Total Retail Credit 11240 264 2.35% 11817 270 2.29% 11875 383 3.22% of which Housing 9243 177 1.91% 9868 196 1.99% 9931 285 2.87% Vehicle 711 34 4.
Slide 20: Restructured Advances
20 Restructured Advances As on Particulars Jun 14 Mar 15 Jun 15 Total Restructured Advances 6251 8679 8877 of which Standard Restructured 5805 7234 7183 % of Restructured Adv to Gross Adv 7.04% 8.58% 9.21% % of Std Restructured Adv to Gross Adv 6.53% 7.15% 7.45% Restructured during the quarter 165 9
Slide 21: Restructured Advances: Industry-Wise
21 Restructured Advances: Industry- Industry-Wise O/s as on % O/s as on % O/s as on % Name of the industry 30.06.14 to Total 31.03.15 to Total 30.06.15 to Total Hotel H t l 10 0 15% 0.15% 54 0 63% 0.63% 55 0 62% 0.62% Cement 46 0.74% 56 0.65% 58 0.65% Education Trusts / Institution 106 1.70% 204 2.3
Slide 22: Interest Earnings
22 Interest Earnings Quarter Ended % Increase Particulars Jun 14 Mar 15 Jun 15 Y-o-Y Q-o-Q Interest on Advances 2393.90 2497.11 2547.96 6.44% 2.04% Interest on Investment 617.74 659.28 664.01 7.49% 0.72% Others 84.05 60.91 109.29 30.03% 79.43% of which Int on RIDF 54.43 54 43 52.81 52 81 52.64 52 64
Slide 23: Interest Expenditure
23 Interest Expenditure Quarter Ended % Increase Particulars Jun 15 Mar 15 Jun 15 Y-o-Y Q-o-Q Interest on Deposits 2014 42 2033.46 2014.42 2033 46 2065.97 2065 97 2 56% 2.56% 1 60% 1.60% Others 166.73 212.63 232.09 39.20% 9.15% of which Int on Tier 1 & 2, Infra Bonds 72.18 116.04 119.26 65.23% 2.77%
Slide 24: NII & NIM
24 NII & NIM Quarter Ended % Increase Particulars Jun 14 Mar 15 Jun 15 Y-o-Y Q-o-Q Net Interest Income 914.54 971.21 1023.20 11.88% 5.35% Net Interest Margin (% ) 2.70 2.73 2.77 NII NIM (%) 1023 1000 971 Jun 15, 2.77 950 915 Mar 900 15, 2.73 850 Jun 14, 2.70 800 Jun 14 Mar 15 Jun 15 2.50 2.60 2.70 2
Slide 25: Non-Interest Income
25 Non--Interest Income Non Quarter Ended Particulars Jun 14 Mar 15 Jun 15 Fee Based Income 125.79 179.73 146.03 Treasury Income 35.09 149.38 31.17 Of which Net Profit from sale of Investment 18.02 128.22 13.81 Exchange profit 17.07 21.16 17.36 Recovery in written off accounts 12.25 46.57 8.87 Misce
Slide 26: Operating Expenditure
26 Operating Expenditure Quarter Ended Expenditure Item Jun 14 Mar 15 Jun 15 Staff Expenses 423.20 422.45 385.74 of which Salary 232 96 232.96 215 26 215.26 221 26 221.26 Provision - 190.24 207.19 164.48 AS 15 & Wage revision Other Operating Expenses 210.41 253.95 232.56 Total Operating Expenditure
Slide 27: Other Operating Expenditure
27 Other Operating Expenditure Quarter Ended Nature of expense Jun 14 Mar 15 Jun 15 Rent, taxes, lighting 41.30 46.21 44.52 Printing & Stationery 5.60 6.51 5.14 Advt. & Publicity y 0.70 6.56 3.97 Depreciation on fixed assets 28.97 26.32 26.81 Auditors Fees 5.65 3.65 4.94 Law Charges 1 89 1.89 4 06 4
Slide 28: Provisions & Contingencies
28 Provisions & Contingencies Quarter Ended Particulars Jun 14 Mar 15 Jun 15 Non P N Performing f i AAssets t 239 59 467.59 239.59 467 59 642.28 642 28 Standard/Restructured Assets 22.70 -66.63 -253.25 Depreciation on Investments -26.33 -0.29 82.44 Non performing Investment Non-performing 1 44 1.44
Slide 29: Profitability
29 Profitability Quarter Ended Particulars J 14 Jun M 15 Mar J 15 Jun Total Income 3286.12 3598.89 3526.13 Total Expenses 2814.76 2922.49 2916.36 Operating Profit 471.36 676.40 609.77 Provisions & Contingencies 236.25 431.91 483.91 other than taxes Profit before tax 235.11 244.49 125.86 p Tax Expens
Slide 30: Key Financial Ratios
30 Key Financial Ratios Quarter ended Particulars Jun 14 Mar 15 Jun 15 Cost of Deposits (%) 7.05 6.97 6.85 Yield on Advances (%) 10.89 10.75 10.40 Yield on Investments (%) 7.82 7.94 7.90 Cost of Funds (%) 6.44 6.31 6.22 Yield on Funds (%) 9.14 9.04 8.99 NIM ((%)) 2.70 2.73 2.77 Return on Equity (%)
Slide 31: Notes
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Slide 32: Thank You!
«Thank You ! » 45 Sis Wares Bank of Maharashtra URE Fat et aor
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