Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q4 FY2022 Earnings Presentation
37 slides from Bank Of Maharashtra's earnings presentation, Mar 31, 2022
Slide 1: Financial Results for Quarter/Year Ended March 31st, 2022
FINANCIAL RESULTS For Quarter/Year Ended March 31st, 2022 1
Slide 2: Major Highlights
Major Financial Business Asset Quality Capital Highlights Performance Performance Net Interest Net Profit Return on Asset NIM % Cost of Deposit Cost of Funds Income Increased by Improved by 30 Increased by Increased by 6 Improved by 36 Improved by 28 Q4 `22 115.19% basis points 16.56% basis points b
Slide 3: Major Highlights (Y-o-Y)
Major Financial Business Asset Quality Capital Highlights Performance Performance (Y-o-Y) (Q: Mar` 22 vis-à-vis Q: Mar` 21) 20 % 16 % 18 % 52 % Total Business Saving Deposit Current Deposit Total Deposit 26% 24% 17 % 14 % Gross Advances Retail Advances Agri. Advances MSME Advances 58% 0.97 % 95% 38%
Slide 4: Profitability
Major Highlights Financial Business Asset Quality Capital Performance Performance Profitability ( ₹ In Crore ) Operating Profit (Quarterly) ( ₹ In Crore ) Net Profit (Quarterly) 2,000 400 355 1,541 325 1,600 1,400 320 264 1,107 1,162 1,179 1,200 240 208 165 800 160 400 80 0 0 Q4 FY`21 Q1 FY`22 Q2 FY
Slide 5: NIM % Net Interest Income
Major Highlights Financial Business Asset Quality Capital Performance Performance Net Interest Income NIM % ( ₹ In Crore ) (Last 8 Quarters) (Last 8 Quarters) 1,800 4.0 1,612 1,600 1,500 1,527 3.6 3.27 1,383 1,406 3.11 3.11 3.17 1,400 3.2 3.06 3.05 1,306 1,200 1,120 2.8 2.62 1,088 2.43 1,000 2.4 800
Slide 6: Statement of Income and Expenditure
Major Highlights Financial Business Asset Quality Capital Performance Performance Statement of Income and Expenditure ( ₹ In Crore ) PARTICULARS Q4 FY`21 Q3 FY`22 Q4 FY`22 Y-o-Y (%) FY`21 FY`22 Y-o-Y (%) Total Income 4,335 3,893 3,949 (9) 14,496 15,672 8 Interest Income 3,098 3,282 3,426 11 11,869 1
Slide 7: Interest Earnings
Major Highlights Financial Business Asset Quality Capital Performance Performance Interest Earnings Last 5 Quarters ( ₹ In Crore ) 4,000 Quarter Ended Last 5 Years ( ₹ In Crore ) 14,000 13,019 3,426 11,869 3,500 3,282 11,495 3,207 12,000 3,098 3,104 11,096 10,850 3,000 10,000 2,500 8,000 2,000 6,000
Slide 8: Non-Interest Income
Major Highlights Financial Business Asset Quality Capital Performance Performance ( ₹ In Crore ) Non-Interest Income PARTICULARS Q4 FY`21 Q1 FY`22 Q2 FY`22 Q3 FY`22 Q4 FY`22 Last 5 Years ( ₹ In Crore ) Fee Based Income 329 253 303 305 372 3,000 Treasury Income 211 300 113 114 28 2,628 2,652 Miscella
Slide 9: Interest Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Interest Expenses Last 5 Quarters ( ₹ In Crore ) Last 5 Years ( ₹ In Crore ) 1,850 8,100 1,814 1,800 7,800 7,707 1,755 7,500 1,750 1,715 7,217 1,708 7,116 1,698 7,200 1,700 6,971 6,975 6,900 1,650 6,600 1,600 6,300 1,5
Slide 10: Operating Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Operating Expenses Last 5 Quarters ( ₹ In Crore ) Last 5 Years ( ₹ In Crore ) 1,200 4,500 1,079 4,000 3,849 987 976 3,565 1,000 955 932 3,500 3,083 3,081 800 3,000 2,704 2,500 600 2,000 400 1,500 1,000 200 500 - - Q4 F
Slide 11: Other Operating Expenses
Major Highlights Financial Business Asset Quality Capital Performance Performance Other Operating Expenses ( ₹ In Crore ) EXPENDITURE ITEM Q4 FY`21 Q3 FY`22 Q4 FY`22 FY`21 FY`22 (Excluding staff expenses) Rent, taxes, lighting 57 57 59 218 228 Printing & Stationery 6 6 7 18 22 Depreciation on fixed
Slide 12: Provisions & Contingencies
Major Highlights Financial Business Asset Quality Capital Performance Performance Provisions & Contingencies ( ₹ In Crore ) Particulars Q4 FY`21 Q3 FY`22 Q4 FY`22 FY`21 FY`22 Prov for Non Performing Assets 1,376 587 568 2,214 2,578 Prov for Standard/Restructured Assets 80 141 (118) 642 302 Prov for
Slide 13: Key Financial Ratios
Major Highlights Financial Business Asset Quality Capital Performance Performance Key Financial Ratios Last 5 Quarters Cost of Deposits (%) Cost of Funds (%) Cost to Income (%) 3.97 3.8 4.0 50 47.13 3.60 45.63 3.6 3.9 46 3.44 44.76 3.5 3.38 41.17 3.8 3.76 42 39.96 3.73 3.32 3.7 3.3 38 3.61 3.69 3.27
Slide 14: Key Financial Ratios
Major Highlights Financial Business Asset Quality Capital Performance Performance Key Financial Ratios Last 5 Quarters Yield on Advances (%) Yield on Funds (%) Yield on Investments (%) 9.0 9.0 7.0 6.54 8.0 7.47 7.58 8.0 6.6 6.35 7.22 7.33 6.20 7.04 6.24 6.16 7.0 7.0 6.50 6.46 6.2 6.19 6.12 6.27 6.0
Slide 15: Assets & Liabilities – An Overview
Major Highlights Financial Business Asset Quality Capital Performance Performance Assets & Liabilities – An Overview ( ₹ In Crore ) Assets FY`18 FY`19 FY`20 FY`21 FY`22 Cash & Balance with RBI 15,809 7,920 10,354 12,882 19,722 Balances with Bank & Call Money 75 1,235 93 59 194 Total Investments (Net
Slide 16: Business Mix
Major Highlights Financial Business Asset Quality Capital Performance Performance BUSINESS MIX ( ₹ In Crore ) ( ₹ In Crore ) 4,00,000 Last 5 Quarters 4,00,000 Last 5 Years 3,50,000 3,37,534 3,50,000 3,37,534 3,15,620 2,96,808 3,00,000 2,81,659 2,84,970 3,00,000 2,81,659 2,44,955 2,50,000 2,50,000 2,
Slide 17: Total Deposits Gross Advances
Major Highlights Financial Business Asset Quality Capital Performance Performance Total Deposits Gross Advances ( ₹ In Crore ) Last 5 Years 100% Last 5 Years ( ₹ In Crore ) 2,02,294 1,40,000 1,35,240 100% 2,00,000 90% 1,74,006 90% 80% 1,20,000 1,07,654 80% 1,60,000 1,50,066 1,40,650 70% 94,645 93,46
Slide 18: Investments
Major Highlights Financial Business Asset Quality Capital Performance Performance Investments ( ₹ In Crore ) 79,800 QuarterLast 5 Quarters Ended M Duration (Total) 72,821 72,285 72,328 4.2 4.08 68,647 69,093 69,800 4.0 3.82 3.8 3.67 59,800 3.56 3.55 3.6 49,800 3.4 3.2 39,800 Mar`21 Jun'21 Sep'21 Dec
Slide 19: Credit Portfolio – Balanced Loan Growth
Major Highlights Financial Business Asset Quality Capital Performance Performance Credit Portfolio – Balanced Loan Growth ( ₹ In Crore ) Particulars Mar`21 Dec`21 Mar`22 Growth (Y-o-Y) % RETAIL CREDIT Gross Advances 1,07,654 1,29,006 1,35,240 25.62 Particulars Mar`21 Dec`21 Mar`22 Growth (Y-o-Y) % T
Slide 20: External Rating-wise Advances – Above 25 Cr
Major Highlights Financial Business Asset Capital Performance Performance Quality External Rating-wise Advances – Above 25 Cr ( ₹ In Crore ) Mar`21 Dec`21 Mar`22 Particulars No. of % of O/s No. of % of O/s No. of % of O/s O/s Amount O/s Amount O/s Amount Borrowers Amount Borrowers Amount Borrowers A
Slide 21: Funded exposure to selected sectors & industries
Major Highlights Financial Business Asset Capital Performance Performance Quality Funded exposure to selected sectors & industries with total exposure (more than 1%) – Mar` 22 Petroleum, Coal Products & Nuclear Fuels 1.01 All Engineering 1.18 Top 3 selected sectors are Education 1.25 Infrastructure,
Slide 22: Improved Asset Quality backed by High PCR
Major Highlights Financial Business Asset Capital Performance Performance Quality Improved Asset Quality backed by High PCR Provision Coverage Ratio (%) ( ₹ In Crore ) Particulars Mar`21 Jun`21 Sept`21 Dec`21 Mar`22 Last 8 Quarters 100 94.79 93.77 Standard 99,874 1,03,571 1,08,833 1,22,901 1,29,913
Slide 23: Gross & Net NPA (%) and Special Mention Account
Major Highlights Financial Business Asset Capital Performance Performance Quality Gross & Net NPA (%) Special Mention Account * ( ₹ In Crore ) Last 8 Quarters Particulars Mar 21 June 21 Sept 21 Dec 21 Mar`22 12 10.93 SMA 1 1,012 1,081 1,335 1,430 882 10 8.81 7.69 7.23 SMA2 238 391 590 850 208 8 6.35
Slide 24: Movement of NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Movement of NPA ( ₹ In Crore ) Particulars Q4 FY`21 Q1 FY`22 Q2 FY`22 Q3 FY`22 Q4 FY`22 FY`18 FY`19 FY`20 FY`21 FY`22 Opening Level of Gross NPAs 8,072 7,780 7,022 6,403 6,105 17,189 18,433 15,324 12,152 7,780 Total Re
Slide 25: Sector-wise Credit Deployment & NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Sector-wise Credit Deployment & NPA ( ₹ In Crore ) Mar`21 Dec`21 Mar`22 Particulars Sector Sector Sector Advances Sector NPA Advances Sector NPA Advances Sector NPA NPA % NPA % NPA % Retail Sector 28,651 682 2.38 32,74
Slide 26: Retail Sector - NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality Retail Sector - NPA ( ₹ In Crore ) Mar`21 Dec`21 Mar`22 Particulars Sector Sector Sector Advances Sector NPA Advances Sector NPA Advances Sector NPA NPA % NPA % NPA % Total Retail Credit 28,651 682 2.38 32,743 429 1.31
Slide 27: MSME Sector - NPA
Major Highlights Financial Business Asset Capital Performance Performance Quality MSME Sector - NPA ( ₹ In Crore ) Mar`21 Dec`21 Mar`22 Particulars Sector Sector NPA Sector Advances Sector NPA Advances Sector NPA Advances Sector NPA NPA % % NPA % Total MSME Credit 23,133 2,407 10.40 25,091 1,653 6.5
Slide 28: Restructuring of Advances
Major Highlights Financial Business Asset Capital Performance Performance Quality Restructuring of Advances ( ₹ In Crore ) Sector-wise COVID Restructuring under RP 1.0 as on 31.03.2022 RP Invoked RP Implemented (as on 31.03.21) RP Implemented (as on 31.12.21) RP Implemented (as on 31.03.22) Std % to
Slide 29: Capital Adequacy (%)
Financial Business Major Highlights Performance Performance Asset Quality Capital Capital Adequacy (%) Last 5 Quarters Last 5 Years 18 16.85 18 16.85 16 16 14.67 14.85 14.49 14.49 14.46 4.09 4.09 13.52 14 14 3.52 3.46 3.29 4.24 11.86 3.51 12 12 11.00 2.85 11.50 11.50 1.95 10 10 1.99 9.50 9.50 8 8 12
Slide 30: Equity Holding(%) & Ratios
Financial Business Major Highlights Performance Performance Asset Quality Capital Equity Holding(%) & Ratios 0.09% 0.37% 4.65% Particulars FY`18 FY`19 FY`20 FY`21 FY`22 0.27% No. of Shares (in crore) 259.85 572.41 582.41 656.02 673.05 3.65% Net Worth (in crore) 6,160 5,860 6,986 8,019 10,512 Return
Slide 31: Digital Footprints
Digital Financial Expanding Products & Awards Banking Inclusion Footprints Services Digital Footprints ATM Card Base (Millions) E-transaction (%) 15 97 11.69 12.26 95.98 12 11.01 96 95.56 9.64 10.03 9 95 94.66 94.17 93.89 6 94 3 93 0 92 Mar'21 Jun'21 Sep'21 Dec'21 Mar`22 Mar'21 Jun'21 Sep'21 Dec'21
Slide 32: Digital Footprints
Digital Financial Expanding Products & Awards Banking Inclusion Footprints Services Digital Footprints Mobile Banking Users (Millions) UPI/BHIM Users (Millions) 2.0 1.89 2.0 1.80 1.65 1.72 1.57 1.62 1.6 1.49 1.6 1.46 1.51 1.36 1.2 1.2 0.8 0.8 0.4 0.4 0.0 0.0 Mar'21 Jun'21 Sep'21 Dec'21 Mar`22 Mar'21
Slide 33: Financial Inclusion (in Mio)
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services As on date Financial Inclusion (in Mio) No. of PMJDY Accounts No. of policies issued under Pradhan Mantri 7.2 7.16 Suraksha Bima Yojana 7.06 4.0 6.96 3.79 7.0 3.7 6.81 6.82 6.8 3.34 3.4 3.28 3.11 3.13 6.6 3.1 6.4 2.8
Slide 34: Expanding Footprints
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services Bank has decided to expand its services to all parts of India. No. of Branches Category Mar 20 Mar 21 Mar 22 Metro 458 471 488 Urban 331 372 412 Semi Urban 428 461 511 Rural 616 660 611 Branches 1,833 1,964 2,022 34
Slide 35: Products & Services
Digital Banking Financial Expanding Products & Awards Inclusion Footprints Services 35 www.bankofmaharashtra.in /mahabank
Slide 36: Awards
Financial Expanding Products & Digital Banking Inclusion Footprints Services Awards 36 www.bankofmaharashtra.in /mahabank
Slide 37: Thank You
@@ 3il HeRise Bank of Maharashtra FARA GRR ST ST ow uRaz va da THANK YOU www.bankofmaharashtra.in 000080 O/mahabank
Bank of Maharashtra — Q4 FY2022 Earnings Presentation on 6ix