Bank Of Maharashtra · NSE:MAHABANK

Bank Of Maharashtra — Q1 FY2017 Earnings Presentation

22 slides from Bank Of Maharashtra's earnings presentation, June 2016

  1. Slide 1: Financial Results Quarter Ended 30th June 2016

    FINANCIAL RESULTS QUARTER ENDED 30™ JUNE 2016

  2. Slide 2: Key highlights: Total Business, Gross Advances, CASA, NIM, CRAR

    Total Business Gross Advances Non- Interest Income 7.04 % 40.52 % 5.25 % CASA NIM CRAR Basel III 2.21 % 11.53% 12.88 % 2

  3. Slide 3: Capital adequacy Basel III

    Particulars Jun 15 Mar 16 Jun 16 Risk Weighted Assets 95369 101690 99028 % of RWA to Gross Advances 98.97% 91.41% 96.01% Tier 1 Capital 8170 9177 8780 CET 1 Capital 6982 8009 7613 Additional Tier 1 Capital 1188 1168 1166 Tier 2 Capital 2904 2222 2641 Total Capital Funds 11074 11399 11420 Tier 1 Rati

  4. Slide 4: Shareholding pattern as on June 2016

    30.06.2015 30.06.2016 PARTICULARS No. of Share % Holding No. of Share % Holding Govt of india 84.84 79.80% 95.35 81.61% Bank FIS & Insurance Co. 15.18 14.28% 15.31 13.11% FII & NRI 0.67 0.63% 0.54 0.46% Other 5.63 5.29% 5.63 4.82% Total 106.32 100.00% 116.83 100.00% As on June 2016 81.61% Share Cap

  5. Slide 5: Total business: deposits and advances

    As on % Growth Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Q-o-Q Total Business 219032 250230 230533 5.25% -7.87% Deposits 122667 138990 127385 3.85% -8.35% of which CASA 43812 50967 49455 12.88% -2.97% Gross Advances 96365 111240 103148 7.04% -7.27% Gross Investments 36886 36332 34821 -5.60% -4.16% 2600

  6. Slide 6: Deposits and CASA

    150000 138990 60000 127385 130000 122667 50967 49455 50000 110000 43812 90000 40000 70000 50000 30000 Jun 15 Mar 16 Jun 16 Jun 15 Mar 16 Jun 16 6

  7. Slide 7: Gross advances and CD ratio

    111240 110000 103148 90.00 96365 90000 80.00 80.97 80.03 70000 78.56 50000 70.00 Jun 15 Mar 16 Jun 16 Advances CD Ratio (%) 7

  8. Slide 8: Investment portfolio

    As on Particulars Jun 15 Mar 16 Jun 16 A. SLR Investments (i) HFT 457 0 0 (ii) AFS 3771 3883 1496 (iii) HTM 27807 26337 27756 Total SLR Investment 32035 30220 29252 B. Non SLR Investments (i) HFT 75 0 0 (ii) AFS 4677 3919 3976 (iii) HTM 99 2192 1593 Total Non SLR Investment 4851 6111 5569 C. Gross I

  9. Slide 9: Gross advances: priority and non-priority sector

    As on % Growth Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Q-o-Q Gross Advances 96365 111240 103148 7.04% -7.27% of which Priorty Sector 35137 38401 38194 8.70% -0.54% Non-Priorty Sector 61228 72839 64954 6.09% -10.82% 80000 72839 64953 61227 60000 38401 38194 40000 35137 20000 0 Jun 15 Mar 16 Jun 16 Pri

  10. Slide 10: Priority sector advances

    As on PARTICULARS % to % to % to Jun 15 Mar 16 Jun 16 ANBC ANBC ANBC ANBC 104180 104180 99264 (As of previous year) Priority Sector * 38367 36.83% 41485 39.82% 41065 41.37% of which Agriculture 12116 11.63% 14852 14.26% 15317 15.43% Total Agri including RIDF 15345 14.73% 17174 16.49% 17426 17.56% MS

  11. Slide 11: Retail credit

    As on % Growth Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Q-o-Q Total Retail Credit 11,875 12,568 12,735 7.24% 1.33% of which Housing 9,931 10,550 10,670 7.45% 1.14% Education 716 804 814 13.68% 1.26% Vehicle 623 614 617 -1.07% 0.42% Others 605 600 634 4.86% 5.71% Jun 15 Mar 16 Jun 16 5% 6% 5% 6% 6% 5%

  12. Slide 12: NPA movement

    Quarter Ended Particulars Jun 15 Mar 16 Jun 16 OPENING GROSS NPA 6402 8302 10386 Less- CASH RECOVERIES 179 355 201 LESS UPGRADATION 134 311 69 LESS WRITE OFF 0 20 2 TOTAL REDUCTION 313 686 272 ADD SLIPPAGES 1405 2712 2888 ADD VARIATION 81 58 38 GROSS NPA 7575 10386 13040 GROSS NPA [%] 7.86 9.34 12.6

  13. Slide 13: Interest income

    Quarter Ended % Increase Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Interest on Advances 2548 2396 2255 -11.49% Interest on Investment 664 688 722 8.69% Other Interest Income 109 136 179 64.15% Total Interest Income 3321 3220 3156 -4.97% Interest Income 3400 3321 3300 3220 3200 3156 3100 3000 13 Jun 15

  14. Slide 14: Interest expenses

    Quarter Ended % Increase Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Interest on Deposits 2066 2138 2082 0.76% Other Interest Exp 232 167 210 -9.44% Total Interest Exp 2298 2305 2292 -0.27% Interest Expenses 2310 2305 2305 2300 2298 2295 2292 2290 2285 14 Jun 15 Mar 16 Jun 16

  15. Slide 15: Net interest income and margin

    NII NIM (%) 1050 1023 1000 3.00 950 915 900 864 2.00 2.77 850 2.37 2.21 800 750 1.00 Jun 15 Mar 16 Jun 16 Jun 15 Mar 16 Jun 16 Quarter Ended % Increase Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Net Interest Income 1023 915 864 -15.51% Net Interest Margin (% ) 2.77 2.37 2.21 15

  16. Slide 16: Non-interest income

    Quarter Ended % Increase Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Fee Based Income 146 217 184 25.92% Treasury Income 31 98 76 143.82% Of which Net Profit from sale of Investment 14 76 55 299.28% Exchange profit 17 23 21 20.16% Recovery in written off accounts 9 23 5 -48.59% Miscellaneous Income 19 9

  17. Slide 17: Operating expenditure

    Quarter Ended % Increase Expenditure Item Jun 15 Mar 16 Jun 16 Y-o-Y Staff Expenses 386 378 445 15.40% of which AS-15 & Wage Revision 164 129 187 13.55% Other Operating Expenses 232 305 249 7.08% Total Operating Expenditure 618 683 694 12.28% 17

  18. Slide 18: Profit and loss summary

    Quarter Ended % Increase Particulars Jun 15 Mar 16 Jun 16 Y-o-Y Total Income 3526.13 3566.70 3444.15 -2.32% Total Expenses 2916.36 2987.36 2985.42 2.37% Operating Profit 609.77 579.34 458.73 -24.77% Provisions & Contingencies other 483.91 679.51 842.50 74.10% than taxes Profit before tax 125.86 (100

  19. Slide 19: Key ratios: cost of deposits, yields, ROE, ROA

    Quarter Ended Particulars Jun 15 Mar 16 Jun 16 Cost of Deposits (%) 6.85 6.59 6.32 Yield on Advances (%) 10.40 9.44 8.77 Yield on Investments (%) 7.90 7.90 7.86 Cost of Funds (%) 6.22 5.97 5.87 Yield on Funds (%) 8.99 8.34 8.08 NIM (%) 2.77 2.37 2.21 Return on Equity (%) 3.37 (6.45) (22.52) Return o

  20. Slide 20: Branch network and staff strength

    Branch Network Staff Strength 2000 16000 2196 2071 657 658 656 1992 1500 12000 5455 5015 4895 433 434 429 8000 1000 364 366 372 500 4000 6672 6679 6523 426 437 438 0 0 Jun 15 Mar 16 Jun 16 Jun 15 Mar 16 Jun 16 Metro Urban Semi Urban Rural Officers Clerks Sub-staff As on As on Category Category Jun 1

  21. Slide 21: ATMs, internet and mobile banking users

    ATMs(No) Internet banking Users SMS/ Mobile Banking Users (Lacs) (Lacs) 1870 1866 5.43 132.63 1861 6 5.17 150.000 112.21 1860 4.32 100.000 1850 4 1850 50.000 3.62 2 1840 0.000 Jun Mar Jun 0 Jun Mar Jun 15 16 16 Jun 15 Mar 16 Jun 16 15 16 16 ATM Card Base (Lacs) E-transaction (%) 59 58.18 63 60.29 61

  22. Slide 22: Thank You

    “THANK YOU”

Bank of Maharashtra — Q1 FY2017 Earnings Presentation on 6ix