Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q2 FY2020-21 Earnings Presentation

37 slides from Bank Of Maharashtra's earnings presentation, Oct 19, 2020

  1. Slide 1: Financial Results Quarter/Half Year Ended 30th Sep 2020

    FINANCIAL RESULTS Quarter/ Half Year Ended 30th Sep 2020 19/10/2020

  2. Slide 2: Key highlights Q2 FY20-21

    2  Total Business increased by 12.53%, Total Advances increased by 13.13% & Total Deposit increased by 12.15% YoY as on 30th Sep, 2020 as compare to 30th Sep, 2019.  Net Profit for Q2FY20-21 increased by 13.44% YoY to INR 130.07 crores & increased by 28.76% on sequential basis.  Operating profit

  3. Slide 3: Key performance indicators

    3 Net Profit 13.44 % Total Advance 13.13 % Operating Profit 7.18 % RoA @ 0.28% Retail Business 34.42 % RoE @ 7.64% Cost to Income Ratio @ 48.73% MSME Business 32.75 % GNPA @ 8.81% Total Deposit 12.15 % NNPA @ 3.30% NII 4.38 % CASA% to Total Deposit @ 50.51 % NIM @ 2.62% Capital Adequacy (CRAR) @ 13.

  4. Slide 4: Operating Profit and Net Profit

    4 QUARTER HALF YEAR 900 1600 1516 806 1410 800 752 1400 710 700 1200 600 1000 500 800 400 300 600 200 400 115 130 231 101 196 100 200 0 0 Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Opearting Profit 752 710 806 Operating Profit 1410 1516 Net Profit 115 101 130 Net Profit 196 231 www.bankofmaharashtra.in @mah

  5. Slide 5: Profit and Loss Statement

    5 Quarter Ended Half Year Ended Particulars Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Total Income 3,296 3,265 3,319 6,488 6,584 Total Expenses 2,544 2,555 2,513 5,078 5,068 Operating Profit 752 710 806 1,410 1,516 Provisions & Contingencies 359 609 421 1,280 1,030 other than taxes Profit before tax 393 10

  6. Slide 6: Interest Income

    6 QUARTER HALF YEAR 3,500 5,764 6,000 5,673 2,900 2,896 418 317 3,000 2,868 196 208 109 5,000 2,500 2,048 4,000 2,116 1,088 997 1,051 2,000 3,000 1,500 2,000 1,000 3,399 1,616 1,691 1,708 3,139 500 1,000 - - Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Total Interest Income 2,900 2,896 2,868 Total Interest In

  7. Slide 7: Non-Interest Income

    7 QUARTER HALF YEAR 451 900 815 820 396 60 400 369 105 700 165 87 45 127 300 304 500 262 108 177 200 300 265 388 411 100 201 100 146 - -100 Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Total Non-Interest Total Non-Interest 396 369 451 815 820 Income Income Other Income 87 45 60 Other Income 165 105 Trading In

  8. Slide 8: Interest Expense

    8 QUARTER HALF YEAR 1,900 1,827 1,808 1,747 3,900 3,603 3,556 1,700 3,400 1,500 2,900 1,300 1,100 2,400 1,710 1,677 1,632 900 1,900 3,400 3,308 700 1,400 500 900 300 100 400 117 132 116 203 247 -100 -100 Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Total Interest Expense 1,827 1,808 1,747 Total Interest Expen

  9. Slide 9: Operating Expense

    9 QUARTER HALF YEAR 800 746 766 1,600 1,512 717 1,475 700 1,400 600 1,200 397 451 827 937 500 486 1,000 400 800 300 600 200 400 320 315 648 575 260 100 200 - - Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Total Operating Total Operating 717 746 766 1,475 1,512 Expense Expense Staff Expense 397 486 451 Staff E

  10. Slide 10: Other Operating Expense (Excluding Staff Exp)

    10 Other Operating Expense Quarter Ended Half Year Ended (Excluding Staff Exp) Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Rent , t axes, light ing 55 48 58 108 106 Printing & St ationery 5 2 5 9 7 Advert isement & Publicity 4 2 11 7 13 Depreciation on fixed asset s 50 44 46 102 90 Directors Fees & Expenses

  11. Slide 11: Provisions and Contingencies

    11 Quarter Ended Half Year Ended Particulars Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Non Performing Assets 404 409 43 1441 452 Standard/Restructured (40) 198 273 (138) 471 Assets Depreciation on 5 2 2 0 4 Investments Non-performing Investment 1 5 111 7 116 Other provisions (11) (5) (8) (30) (13) Provisio

  12. Slide 12: Yields, Credit Cost, Return and Cost of Funds

    12 Yield on Investment, Yield on Advance & Credit Cost, Return on Equity & Return on Cost of Deposit & Cost of funds Yield on Funds [Qtr %] Asset[Qtr %] [Qtr %] 8.00 5.00 4.91 7.69 7.64 8.00 7.24 7.43 7.50 7.09 5.70 4.44 7.31 6.00 4.50 7.00 6.81 4.34 4.23 6.90 6.83 4.00 6.50 6.24 3.96 4.00 1.77 1.69

  13. Slide 13: NIM and Cost to Income

    13 NIM(QTR) (%) NIM(HY) (%) 3.40 3.00 3.00 2.80 2.77 2.68 2.62 2.57 2.60 2.43 2.60 2.20 2.40 1.80 2.20 Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 Cost to Income (QTR) (%) Cost to Income(HY) (%) 57.00 60.00 52.00 51.25 51.12 48.82 49.94 48.73 50.00 47.00 42.00 40.00 Sep 19 Jun 20 Sep 20 Sep 19 Sep 20 www.ban

  14. Slide 14: Balance Sheet

    14 As on LIABILITIES Sep 19 Jun 20 Sep 20 Capit al 5,824 5,824 6,560 Reserves and Surplus 4,741 5,032 5,257 Deposits 1,41,440 1,52,987 1,58,626 Borrowings 5,120 12,768 5,288 Other Liabilit ies & Provisions 3,286 5,060 3,980 TOTAL 1,60,412 1,81,671 1,79,711 ASSETS Cash and Balances with Reserve Bank

  15. Slide 15: Total Business

    15 2,62,034 2,49,608 2,50,000 2,32,847 1,03,408 2,00,000 96,621 91,406 1,50,000 1,00,000 1,52,987 1,58,626 1,41,440 50,000 - Sep 19 Jun 20 Sep 20 Total Business 2,32,847 2,49,608 2,62,034 Gross Advances 91,406 96,621 1,03,408 Total Deposit 1,41,440 1,52,987 1,58,626 www.bankofmaharashtra.in @mahaban

  16. Slide 16: CASA Deposit

    CASA Deposit 16 51.00 82000 50.51 50.50 50.29 80000 78000 50.00 49.56 76000 49.50 74000 49.00 72000 48.50 80,125 48.23 48.07 70000 48.00 75,475 75,824 68000 47.50 66000 68,212 68,246 47.00 64000 46.50 62000 Sep 19 Dec 19 Mar 20 Jun 20 Sep 20 CASA 68212 68246 75475 75824 80125 CASA (%) 48.23 48.07 50

  17. Slide 17: Investments

    Investments 17 63,581 60,303 61,150 60000 50000 36,337 36,266 40,425 40000 30000 20000 23,939 24,680 23,075 10000 0 26 204 80 Sep 19 Jun 20 Sep 20 Gross Investment 60303 61150 63581 HTM 36337 36266 40425 AFS 23939 24680 23075 HFT 26 204 80 www.bankofmaharashtra.in @mahabank

  18. Slide 18: Credit Portfolio

    18 Credit Portfolio 1,03,408 1,00,000 96,621 91,407 80,000 41,683 39,220 42,077 60,000 19,057 18,414 40,000 14,357 16,039 14,796 15,164 20,000 24,191 26,628 19,809 - Sep 19 Jun 20 Sep 20 Total Advances 91,407 96,621 1,03,408 Corporate & Other 42,077 39,220 41,683 MSME 14,357 18,414 19,057 Agricultur

  19. Slide 19: External Rating-wise Advances

    19 External Rating-wise Advances Sep 20 13.60% Sep-19 Jun-20 Sep-20 7.62% Particulars No. of Balance No. of Balance No. of Balance Borrower (F+NF) Borrower (F+NF) Borrower (F+NF) 12.65%18.30% STD Borrowers eligible Sep-19 819 45,199 1,051 46,941 1,130 50,694 for external rating 10.84% 63.24% of whic

  20. Slide 20: Sector-wise Funded Advances (Above 1%)

    20 Sector-wise Funded Advances (Above 1%) Tourism, Hotels and Restaurants 1.08 Chemicals & Chemical Products 1.21 Public Financial Institutions (PFIs) 1.22 Transport Operators 1.33 Textiles 1.54 Basic Metal & Metal Product 1.70 Commercial Real Estate 1.78 Housing Finance Companies (HFCs) 3.86 Profes

  21. Slide 21: Classification of Advances

    21 1,03,408 1,00,000 96,621 91,406 80,000 60,000 75,998 86,062 94,303 40,000 20,000 - Amount Amount Amount Sep 19 Jun 20 Sep 20 Total Advances 91,406 96,621 1,03,408 Standard 75,998 86,062 94,303 Sub-Standard 3,704 1,557 1,100 Doubtful 9,607 8,472 7,484 Loss 2,098 529 521 www.bankofmaharashtra.in @m

  22. Slide 22: Gross & Net NPA (%)

    Gross & Net NPA (%) 22 18.00 16.86 16.77 16.00 14.00 12.81 12.00 10.93 10.00 8.81 8.00 6.00 5.48 5.46 4.77 4.10 4.00 3.30 2.00 - Sep 19 Dec 19 Mar 20 Jun 20 Sep 20 Gross NPA (%) 16.86 16.77 12.81 10.93 8.81 Net NPA (%) 5.48 5.46 4.77 4.10 3.30 www.bankofmaharashtra.in @mahabank

  23. Slide 23: Movement of Gross NPAs

    23 Quarter Ended Half Year Ended Particular Sep-19 Jun-20 Sep-20 Sep-19 Sep-20 Opening Level of Gross NPAs 16,650 12,152 10,559 15,324 12,152 Total Reductions 1,849 1,698 1,578 2,066 3,238 of which : Recovery + 678 883 678 Upgradation 156 556 Gross Addition 608 105 125 2,150 191 of which : Variable

  24. Slide 24: Sector-wise Advances and NPA

    24 As on Sep 19 Jun 20 Sep 20 Sectors Sector Sector Sector Sector Sector Sector Advance Advance Advance NPA NPA (%) NPA NPA (%) NPA NPA (%) Agriculture 15,164 3,460 22.81 14,796 3,676 24.84 16,039 3,480 21.70 Retail 19,809 775 3.91 24,191 738 3.05 26,628 696 2.61 Micro & Small 13,514 2,191 16.21 16,

  25. Slide 25: Retail Credit and NPA

    25 Sep 19 Jun 20 Sep 20 Sector Gross Sector Sector Gross Sector Sector Gross Sector Sector Advance NPA NPA (%) Advance NPA NPA (%) Advance NPA NPA (%) Total Retail Credit 19809 773 3.90 24191 738 3.05 26628 696 2.61 of which Housing 12671 597 4.72 14954 580 3.88 15881 552 3.47 Education 1180 78 6.59

  26. Slide 26: SMA-1 and SMA-2 Accounts

    26 Particulars Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Gross Advances 91406 93882 94889 96621 103408 SMA - 2 1489 1886 702 147 502 SMA - 1 2250 2926 2128 825 2471 2.50 3.5 3.0 2.00 3.12 2.01 2.5 1.50 2.46 2.39 1.63 2.0 2.24 1.00 1.5 1.0 0.50 0.74 0.5 0.85 0.49 - 0.15 0.0 Sep 19 Dec 19 Mar 20 Jun 20 Sep 2

  27. Slide 27: Capital Adequacy

    27 14.00 13.21 13.18 11.83 12.00 10.00 8.00 10.23 10.31 10.01 6.00 4.00 2.00 2.99 2.87 1.82 - Sep 19 Jun 20 Sep 20 CRAR (%) 11.83 13.21 13.18 Tier I Capital (%) 10.01 10.23 10.31 Tier II Capital (%) 1.82 2.99 2.87 www.bankofmaharashtra.in @mahabank

  28. Slide 28: Digital Banking Metrics

    28 Internet banking Users UPI /BHIM Transactions Internet Banking UPI/BHIM Users (In lacs) (Lacs) Transactions (In lacs) 15 900 14 30 650 10 20 400 12 5 10 150 0 10 0 -100 Dec 19 Jun 20 Sep 19 Mar 20 Sep20 Sep 19 Dec 19 Jun 20 Mar 20 Sep20 Sep 19 Mar 20 Sep20 Dec 19 Jun 20 Sep 19 Sep 20 Jun 20 Mar 2

  29. Slide 29: @mahabank

    29 www.bankofmaharashtra.in @mahabank

  30. Slide 30: @mahabank

    30 www.bankofmaharashtra.in @mahabank

  31. Slide 31: What makes us well placed to tide over Covid pandemic?

    31 Loyal Customer Base- Banks have opened 4.23 lac new SB account & 11 thousand new current account in Sep20 quarter. RAM Business- Bank is focusing more on Retail, Agriculture & MSME Business where Risk is less. Bank has achieved growth of 25.12% in RAM portfolio. WHAT MAKES Focus on Tier 2 and Tie

  32. Slide 32: @mahabank

    32 www.bankofmaharashtra.in @mahabank

  33. Slide 33: @mahabank

    33 www.bankofmaharashtra.in @mahabank

  34. Slide 34: Shareholding Pattern

    34 Govt of India Banks, FIs & Insurance Co FIIs, NRIs and OCBs Others 93.33% 3.50% 0.17% 3.00% Quarter Particular Sep 19 Jun 20 Sep 20 No. of Share (crore) 572 582 656 Net worth (Rs in crore) 6,331 7,095 7,363 Book Value per share 11.06 12.18 11.22 Return on Equit y (%) 7.24 5.70 7.64 www.bankofmaha

  35. Slide 35: Branch Network and Staff

    35 Category of As on Branch Sep 19 Jun 20 Sep 20 Metro 466 458 462 4 2 Urban 325 331 338 30 5 39 Semi- Urban 426 428 437 6 1 30 Rural 615 616 613 1 Total Branches 1832 1833 1850 35 83 10 2 16 As on 1 Particular 67 146 9 31 1 1 Sep 19 Jun 20 Sep 20 36 1 Number of ATM 1860 1819 1735 9 1122 2 Category

  36. Slide 36: Business per Employee and Branch

    36 160 142 140 136 127 120 100 80 60 40 18 20 21 20 - Sep 19 Jun 20 Sep 20 Business per Employee 18 20 21 Business per Branch 127 136 142 www.bankofmaharashtra.in @mahabank

  37. Slide 37: Thank You!

    Thank You! Q@ 3ilw HEaRise Bank of Maharashtra URN UPR HT SIA — oe ae Cem Uae Ca aa

Bank of Maharashtra — Q2 FY2020-21 Earnings Presentation on 6ix