Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Q3 FY2016 Earnings Presentation
13 slides from Bank Of Maharashtra's earnings presentation, December 2015
Slide 1: 12.06% 8.95% 10.17% 10.31% 55.59% 4.19% 2.60% 11.50%
12.06% 8.95% 10.17% 10.31% 55.59% 4.19% 2.60% 11.50% 1
Slide 2: Shareholding pattern and capital adequacy
Govt of India 84.84 79.80% 95.35 81.61% Bank Fis & Insur Co 15.02 14.12% 15.31 13.11% FIIs & NRIs 0.68 0.64% 0.54 0.46% Others 5.78 5.44% 5.62 4.81% Total 106.32 100.00% 116.82 100.00% As on Dec 2015 Govt of India Share Cap (Rs. In Cr) 1,168.33 No. of Shares (Cr) 116.83 13.11% Banks, Fis & Insur Co
Slide 3: Business profile, branch network and staff strength
As on % Growth Particulars Dec 14 Sep 15 Dec 15 Y-o-Y Q-o-Q Total Business 212650 226892 234572 10.31% 3.38% Deposits 119650 126800 130353 8.95% 2.80% of which CASA 41541 44960 45764 10.17% 1.79% Deposit Gross Advances 93000 100092 104219 12.06% 4.12% Gross Investment 33052 35327 35254 6.66% -0.21%
Slide 4: Deposits, CASA and digital channels
ATMs(No) Internet banking Users Maha Mobile Users ('000) (Lacs) 1859 1859 78.43 1860 4.88 80 66.30 4.64 5 70 1855 3.77 60 4 50 1850 1846 3 40 1845 2 30 20 1840 1 4.66 10 1835 0 0 Dec 14 Sep 15 Dec 15 Dec 14 Sep 15 Dec 15 Dec 14 Sep 15 Dec 15 ATM Card Base (Lacs) E-transactions (%) 58.45 59.35 58 56.
Slide 5: Advances, CD ratio and investment portfolio
120000 95.00 110000 104219 90.00 100092 100000 93000 85.00 90000 80000 80.00 70000 79.95 % 78.94 % 77.73 % 75.00 60000 50000 70.00 Dec 14 Sep 15 Dec 15 Advances CD Ratio As on Particulars Dec 14 Sep 15 Dec 15 A. SLR Investments (i) HFT 462 0 25 (ii) AFS 1959 3847 3931 (iii) HTM 27700 26279 27139 Tot
Slide 6: Advances by priority sector and retail credit
As on % Growth Particulars Dec 14 Sep 15 Dec 15 Y-o-Y Q-o-Q Gross Advances 93000 100093 104219 12.06% 4.12% of which Priorty Sector 36590 41389 41779 14.18% 0.94% Non-Priorty Sector 56410 58703 62440 10.69% 6.37% 65000 62440 60000 58703 56410 55000 50000 Dec 14 Sep 15 45000 41389 41779 Dec 15 40000
Slide 7: Asset quality and NPA movement
As on Dec 14 Sep 15 Dec 15 Particulars % of % of % of Amount Amount Amount G Adv G Adv G Adv Standard 86813 93.35% 92106 92.02% 95917 92.03% Sub-Standard 3358 3.61% 4325 4.32% 4031 3.87% Doubtful 2711 2.92% 3245 3.24% 3936 3.78% Loss 117 0.13% 416 0.42% 335 0.32% Gross NPA 6187 6.65% 7986 7.98% 8302
Slide 8: Restructured advances and interest income
As on Particulars Dec 14 Sep 15 Dec 15 Standard Restructured Advances 6541 7145 5715 % of Std Restructured Adv to Gross Adv 7.03% 7.14% 5.48% Restructured during the quarter 1120 396 38 Nine Months Ended Quarter Ended % Increase (Qtr) Particulars Dec 14 Dec 15 Dec 14 Sep 15 Dec 15 Y-o-Y Q-o-Q Intere
Slide 9: Interest expense, NII and NIM
Nine Months Ended Quarter Ended % Increase (Qtr) Particulars Dec 14 Dec 15 Dec 14 Sep 15 Dec 15 Y-o-Y Q-o-Q Interest on Deposits 6051 6284 1992 2100 2118 6.31% 0.86% Others 493 585 165 188 166 0.58% -11.79% Total Interest Exp 6544 6870 2157 2288 2284 5.87% -0.18% Interest Exp (9M) Interest Exp (Qtr)
Slide 10: Non-interest income and operating expenses
9 Months Ended Quarter Ended % Increase (Qtr) Particulars Dec 14 Dec 15 Dec 14 Sep 15 Dec 15 Y-o-Y Q-o-Q Fee Based Income 413.44 458.38 150.00 157.72 154.62 3.08% -1.97% Treasury Income 131.52 136.24 51.90 66.39 38.68 -25.47% -41.74% Of which Net Profit from sale of Investment 77.56 81.04 35.99 44.1
Slide 11: Provisions and profit summary
9 Months Ended Quarter Ended Particulars Dec 14 Dec 15 Dec 14 Sep 15 Dec 15 Non Performing Assets 919.61 1318.95 459.49 431.76 244.91 Standard/Restructured Assets 206.20 -185.37 113.46 9.37 58.51 Depreciation on Investments -28.11 50.48 1.01 -70.35 38.39 Non-performing Investment 11.99 19.56 3.85 6.
Slide 12: Key ratios
Cost of Deposits (%) 7.05 6.80 7.00 6.81 6.73 Yield on Advances (%) 11.06 10.33 11.02 10.45 10.18 Yield on Investments (%) 7.89 7.87 7.91 7.92 7.80 Cost of Funds (%) 6.42 6.17 6.35 6.18 6.11 Yield on Funds (%) 9.27 8.84 9.29 8.80 8.71 NIM (%) 2.85 2.67 2.94 2.62 2.60 Return on Equity (%) 6.81 4.01 3
Slide 13: Thank You !
Thank You ! é @s site neice bal | Bank of Maharashtra eas ufarz_oas das 13
Bank of Maharashtra — Q3 FY2016 Earnings Presentation on 6ix