Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Non-Deal Roadshow (May 2025)
45 slides from Bank Of Maharashtra's roadshow presentation, May 26, 2025
Slide 1: Schedule of Non Deal Road Shows / Investor Meet letter
AX1/ISD/STEX/29/2025-26 Date: 26th May, 2025 The General Manager The Vice President Department of Corporate Services, Listing Department, BSE Ltd., National Stock Exchange of India Ltd., P.J Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai-400 001 Bandra (East), Mumbai-400 05
Slide 2: Investor Presentation
INVESTOR PRESENTATION Confidential www.bankofmaharashtra.in /mahabank 1
Slide 3: Table of Contents
Table of Contents 1 Bank of Maharashtra Overview 4 2 Transformational Strategies 6 3 Key Financial Highlights 10 4 Asset Quality 17 5 Capital Adequacy 22 6 Technology & Digital Initiatives 24 7 Key Growth Strategies 33 8 Annexures 35 Confidential 2
Slide 4: Abbreviations
Abbreviations Abbreviation Meaning AFS Available for Sale CASA Current Account & Savings Account CRAR Capital to Risk Weighted Asset Ratio GNPA Gross Non-Performing Asset HFT Held for Trading LAD Loan against Deposit LAP Loan against Property NII Net Interest Income NNPA Net Non-Performing Asset PCR
Slide 5: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview Confidential 4
Slide 6: Overview
Overview Shareholding Pattern Brief Snapshot Credit Rating (As of Mar`25) ❖ Founded in 1935, Bank of Maharashtra has a legacy of more than Long Term Ratings Domestic (Tier II Bonds/ Infra Bonds) Mutual funds/ 90 years UTI; 0.96% Companies; 0.41% Rating Agency: Individuals; 7.39% ❖ Bank of Maharashtr
Slide 7: Transformational Strategies
Transformational Strategies Confidential 6
Slide 8: Transformation Strategies (1/2)
Transformation Strategies (1/2) Lending Deposit Recovery Technology • Change in landscape of advances • Attractive OTS scheme to small • Improving the capabilities of Core • CASA to be maintained around i.e. corporate 40% and RAM 60% customer for speeding-up of Banking Solutions (CBS) 50% recovery •
Slide 9: Transformation Strategies (2/2)
Transformation Strategies (2/2) Cost Control Human Resource Branch Risk Use of Technology to replace Management Branch expansion to enhance the Onboarding of Internal Risk Human resources core Business of the Bank & to Rating Software Deployment of HRMS software reduce concentration risk. Surrenderi
Slide 10: Robust Banking Franchise
Robust Banking Franchise 01 Consistent financial performance 02 A relatively stable and granular RAM portfolio more than half of the asset base (62% of gross advances)2 Bank has shown consistent performance over last 4 years. results in a diversified asset base with a focus on the retail Growth in G
Slide 11: Key Financial Highlights
Key Financial Highlights Confidential 10
Slide 12: Business Performance
Business Performance Business Expansion Pace Continues Focus on RAM Advances Highest CASA Share among Banks YoY: 15% YoY: 20% ( ₹ In Crore ) ( ₹ In Crore ) ( ₹ In Crore ) 12% CAGR1 57.85 53.38 52.73 53.28 117,035 124,961 1,63,657 142,774 1,00,076 1,24,300 1,48,768 80,669 2,34,083 2,70,747 3,07,143 1
Slide 13: Diversified Credit Portfolio
Diversified Credit Portfolio Domestic Gross Advances – Growth driven by Corporate & MSME Advances Profile % Yield on Advances % Mar` 25 ( ₹ In Crore ) YoY: 18% YoY Particulars 9.21 21% CAGR1 2,39,837 Growth2 8.94 2,03,664 27% 1,75,120 Retail 25% 38% 8.04 1,35,240 Agriculture 17% 15% 7.29 MSME 15% 20
Slide 14: Asset Quality – Industrial Exposures Above 1.0%
Asset Quality – Industrial Exposures Above 1.0% Funded Exposure to select industries (More than 1.0%)- Mar`25 Chemicals & Chemical Products 1.05% Education 1.34% Top 3 selected sectors are Iron & Steel 1.36% Infrastructure, Housing, and Vehicle Loans 1.47% Agriculture & Allied Activites which cover
Slide 15: Stable Ratings Profile despite Challenging Environment
Stable Ratings Profile despite Challenging Environment External Rating-wise Advances – Above ₹ 25Cr ( ₹ In Crore ) Mar`24 Mar`25 Particulars No. of % of O/s No. of % of O/s O/s Amount O/s Amount Borrowers Amount Borrowers Amount Total Eligible Exposure for External 483 92,080 100 540 1,05,401 100 Ra
Slide 16: Diversified and Growing Liability Profile
Diversified and Growing Liability Profile Healthy Growth in Deposits Deposit Composition ( ₹ In Crore ) YoY: 13% Mar`24 Mar`25 15% CAGR 1 3,07,143 2,70,747 2,34,083 2,02,294 40% 38% 47% 47% 13% 15% Mar'22 Mar`23 Mar`24 Mar`25 Savings Deposit Current Deposits Term Deposits CASA Term Deposits Total De
Slide 17: A Balanced Approach to Treasury Operations
A Balanced Approach to Treasury Operations Particulars ( ₹ In Crore ) Mar`22 Mar`23 Mar`24 Mar`25 Interest on Investments 4,385 4,267 4,461 5,360 Yield on investments 6.24 % 6.11 % 6.47 % 6.90 % Gross Investments 69,093 69,215 68,593 82,342 M-Duration (AFS+HFT/ Total Portfolio) 1.63 / 3.55 1.22 / 3.
Slide 18: Asset Quality
Asset Quality Confidential 17
Slide 19: Asset Quality – One of the lowest impaired/stressed assets
Asset Quality – One of the lowest impaired/stressed assets in the industry Rising Trend in Standard Advances Unprovided NPAs Pose Insignificant Risk to Networth 98.12 98.26 12.54 97.53 96.06 3.41 2.38 1.67 Mar'22 Mar`23 Mar`24 Mar`25 Mar'22 Mar`23 Mar`24 Mar`25 Stnd. Advances/ Gross Advance (%) NNPA
Slide 20: Asset Quality – Delinquency Rate and Credit Cost
Asset Quality – Delinquency Rate and Credit Cost Lower Delinquency Ratio Lower Delinquency Rate Leads to Lower Credit Cost 2.05 1.91 1.24 1.29 1.07 1.01 0.84 0.73 Mar'22 Mar`23 Mar`24 Mar`25 Mar'22 Mar`23 Mar`24 Mar`25 Provision Coverage Ratios Improve Accompanied by Fall in Net Non-Performing Asset
Slide 21: Asset Quality – Sectoral & Segmental NPA Position
Asset Quality – Sectoral & Segmental NPA Position Retail Sector - NPA ( ₹ In Crore ) MSME Sector - NPA ((₹₹ In Crore) ) In Crore Particulars (Mar`25) Advances Sector NPA Sector NPA % Particulars (Mar`25) Advances Sector NPA Sector NPA % Total Retail Credit 64,853 194 0.30 Total MSME Credit 48,369 92
Slide 22: Consistent improvement in Profitability metrics
Consistent improvement in Profitability metrics Net Interest Income Operating Profit Net Profit ( ₹ In Crore ) ( ₹ In Crore ) ( ₹ In Crore ) YoY: 36% YoY: 19% YoY: 16% 5,520 11,666 9,319 9,822 8,005 4,055 7,741 6,099 6,044 4,848 2,602 1,152 Mar'22 Mar`23 Mar`24 Mar`25 Mar'22 Mar`23 Mar`24 Mar`25 Net
Slide 23: Capital Adequacy
Capital Adequacy Confidential 22
Slide 24: Capital position
Capital position BoM has Stable Capital Ratios % Particulars Mar`24 Dec`24 Mar`25 RWA for Credit Risk 1,24,129 1,42,125 1,48,712 20.53 18.14 17.38 16.48 16.86 RWA for Market Risk 7,514 1,096 848 14.25 13.72 RWA for Operational Risk 14,537 17,968 17,968 12.38 Total RWA 1,46,181 1,61,189 1,67,528 CET
Slide 25: Technology & Digital Initiatives
Technology & Digital Initiatives Confidential 24
Slide 26: Leveraging IT & Technology to build a Digital Bank
Leveraging IT & Technology to build a Digital Bank Digital initiatives of Bank of Maharashtra Tab Banking & White label WhatsApp / Door Step Online Saving Payment FASTag QUICK pay Online LAD Chatbot Banking Account Gateway Opening 1 2 3 4 5 6 7 Mobile Banking Digital transaction (%) UPI/BHIM Whatsap
Slide 27: New Initiatives in Digital Banking
New Initiatives in Digital Banking WhatsApp Banking Digital Sanctions • FD/ RD Summary e-NACH Sponsor Module • Nomination Update • Bank has implemented e-NACH Sponsor Module for registering e-mandate. • Cheque Stop Payment Implementation of Payment Hub • Check PPF Balance • The solution monitor paym
Slide 28: New Initiatives in Information Technology
New Initiatives in Information Technology To enhance Core Technology Infra • Migrated 2,591 branches (including 50 zonal offices) to Software Defined WAN, improving network reliability, performance, and cost- efficiency. • The bank has successfully deployed the DR automation Tool to automate disaste
Slide 29: ESG Initiatives
ESG Initiatives Maha Green Pehal Green Finance E-Waste Tree Plantation •Collection of Climate Risk related •Maha Super Green Housing Loan •Total E-waste collected as on •Total 11,521 trees have been data across Bank through Maha Scheme - Green Building : Rs. 31.03.25 ~176 Ton planted nationwide as G
Slide 30: Expanding Footprints across India
Expanding Footprints across India No. of Branches Category Mar`24 Jun`24 Sept`24 Dec`24 Mar`25 Metro 611 614 619 632 645 Urban 548 549 553 564 578 Semi Urban 720 725 727 746 770 Rural 610 611 609 609 613 Total Branches 2,489 2,499 2,508 2,551 2,606 Employee Age Profile % (in Years) 18% 17% Below 30
Slide 31: Management Team
Management Team Confidential 30
Slide 32: Our Experienced Board Members
Our Experienced Board Members Started his banking career at Bank of Baroda & later moved to UCO PhD in Finance, Master in Economics, and Post Graduate Diploma in Bank. He has over 26 years of experience working in diversified HRD & Marketing. Dr. Abhijit Phukon is an officer of Indian Economic areas
Slide 33: Recent Awards
Recent Awards India’s Leading Mid- Bank of Maharashtra, IBA Technology has been honored with Award under seven Sized Public Sector Bank at the Dun & the prestigious 'Best CFO different categories for Bradstreet BFSI & in Mid Cap 2024' award the consecutive year. FinTech Summit 2025 by Dalal Street I
Slide 34: Key Growth Strategies
Key Growth Strategies Confidential 33
Slide 35: Our Growth Strategies
Our Growth Strategies Improvement in credit quality through business and technological integration Emphasis on core Retail, Agriculture, and MSME business & through collaboration (Co-lending partnership) Adopting Digital Platform for onboarding of customers, operations & compliance Increase in share
Slide 36: Annexures
Annexures Confidential 35
Slide 37: P & L Highlights
P & L Highlights ( ₹ In Crore ) Quarter Ended (Audited) Year Ended (Audited) Particulars Mar`24 Dec`24 * Mar`25 Y-o-Y (%) Mar`24 Mar`25 Y-o-Y (%) Total Income 6,488 7,112 7,711 19 23,493 28,402 21 Interest Income 5,467 6,325 6,731 23 20,495 24,947 22 Non-Interest Income 1,022 788 981 (4) 2,998 3,454
Slide 38: Interest and Non-Interest Income
Interest and Non-Interest Income ( ₹ In Crore ) Quarter Ended (Audited) Year Ended (Audited) Particulars Mar`24 Dec`24 * Mar`25 Y-o-Y (%) Mar`24 Mar`25 Y-o-Y (%) Interest on Advances 4,264 4,917 5,233 23 15,826 19,292 22 Interest on Investment 1,099 1,367 1,380 26 4,461 5,360 20 Other Interest Incom
Slide 39: Provisions – Credit cost provision trending down
Provisions – Credit cost provision trending down ( ₹ In Crore ) Quarter Ended (Audited) * Year Ended (Audited) Particulars * Mar`24 Dec`24 Mar`25 Mar`24 Mar`25 Prov for Non Performing Assets 457 593 640 2,174 2,417 Prov for Standard/Restructured 491 244 324 1,319 1,105 Assets Prov for Non-performing
Slide 40: Balance Sheet Highlights
Balance Sheet Highlights ( ₹ In Crore ) Year Ended (Audited) Assets Mar`22 Mar`23 Mar`24 Mar`25 Cash & Balance with RBI 19,722 18,508 21,161 37,993 Balances with Bank & Call Money 194 21 9,150 4,202 Total Investments (Net of Depreciation & Provision) 68,590 68,867 68,274 82,005 Total Advances (Net o
Slide 41: Disclaimer
Disclaimer This presentation has been prepared for general information purposes in respect of Bank of Maharashtra (“Bank”) together with its subsidiary and associate, as applicable (together, with the Bank, the “Group”) only, without regard to any specific objectives, suitability, financial situatio
Slide 42: Disclaimer
Disclaimer This presentation includes certain industry data and projections that have been obtained from industry publications and surveys. Industry publications and surveys and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable, b
Slide 43: Notes
Notes Confidential 42
Slide 44: Notes
Notes * Confidential 43
Slide 45: Thank You
Thank You Confidential www.bankofmaharashtra.in /mahabank