Bank Of Maharashtra · NSE:MAHABANK
Bank Of Maharashtra — Non-Deal Roadshow (February 2022)
29 slides from Bank Of Maharashtra's roadshow presentation, February 2022
Slide 1: Corporate Presentation February 2022
CORPORATE PRESENTATION FEBRUARY-2022 www.bankofmaharashtra.in
Slide 2: 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 3: Disclaimer
Disclaimer This presentation is strictly confidential and may not be copied or disseminated, reproduced, re-circulated, re-distributed, published or advertised in any media, website or otherwise, in whole or in part, and in any manner or for any purpose. Any unauthorized use, disclosure or public di
Slide 4: Bank of Maharashtra's Vision Statement
Bank of Maharashtra’s Vision Statement Strictly Private and Confidential © 2021 Bank of Maharashtra. All Rights Reserved 4
Slide 5: Agenda
Agenda 1 Bank of Maharashtra – An Overview 2 Key Investment Highlights 3 Key Growth Strategies 4 Annexures Strictly Private and Confidential © 2021 Bank of Maharashtra. All Rights Reserved 5
Slide 6: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview Strictly Private and Confidential
Slide 7: Bank of Maharashtra – An Overview
Bank of Maharashtra – An Overview Shareholding Pattern Brief Snapshot Credit Rating- Tier 2 Bond (As of Dec’ 31, 2021) • Founded in 1935, Bank of Maharashtra (“BoM”) has a rich legacy of Feb 2022: more than 85 years Rating Agency: Infomerics Ratings LIC FI/Banks Rating: AA+ (Stable) 3.07% 0.54% Othe
Slide 8: Key Investment Highlights
Key Investment Highlights Strictly Private and Confidential
Slide 9: Strong and established banking franchisee
Strong and established banking franchisee 01 Consistently improving financial performance. Bank has 02 Stable and granular RAM portfolio forms more than half of the achieved financial turnaround over the past 2 years with strong asset base (58.85% of gross advances) resulting in a diversified & sust
Slide 10: Diversified Asset Portfolio with a focus on retail and MSME segment
Diversified Asset Portfolio with a focus on retail and MSME segment Gross Advances – Each Segment Contributing Growth Gross Advances Profile INR Crs Dec’20 Dec’21 YoY Growth* % 129,006 26.25% 25.38% 14.02% Retail 18.89% 15.70% 104,904 107,654 19.35% 19.45% Agriculture 9.87% 38.70% 41.15% MSME 23.58%
Slide 11: Stable Ratings Profile despite challenging environment
Stable Ratings Profile despite challenging environment Rating-Wise Distribution of Advances – Above 25cr 46,978 44,572 57,984 AAA, AA, 16.49% AA, 17.48% AAA, AAA, 14.28% 14.02% AA, 11.98% 18.21% Unrated, A, 27.80% Unrated, A, 28.04% Unrated, A, 26.60% 13.16% 15.26% 21.86% BB & Below, BB & Below, BBB
Slide 12: Diversified and growing Liability Profile
Diversified and growing Liability Profile Deposits have witnessed a healthy growth % share of Deposits INR Crs Dec’20 Dec’21 8.74% 11.74% 15.21% 186,614 42.17% 43.31% 174,006 49.09% 44.95% 161,971 Current Account % Saving Account % Term Deposits % CASA % has improved to 55% in Dec’21; Current Deposi
Slide 13: Asset Quality
Asset Quality Consistent improvement in Quality of Book Accompanied by Fall in Non Performing Assets Dec’20 Mar’21 Dec’21 7.69% 7.23% 0.34% 0.48% 0.44% 4.73% 2.40% 6.72% 5.12% 1.99% 92.31% 1.66% 95.27% 2.59% 2.48% 92.77% 0.50% 1.24% Dec'20 Mar'21 Dec'21 Standard Sub-Standard Doubtful Loss GNPA NNPA
Slide 14: Asset Quality
Asset Quality Exposure to Select Sectors (More than 2%) – Dec’21 Sector-wise Credit Deployment & NPA – Dec’21 Infrastructure 18.01% Particulars (INR Cr) Advance GNPA % GNPA Retail 32,743 429 1.31 Housing 14.23% Agriculture 18,092 3,345 18.49 Agri & Allied Activities 13.49% MSME 25,092 1,653 6.59 Tra
Slide 15: Asset Quality
Asset Quality Sector-wise COVID Restructuring UnderofRP Movement 1.0 As On 31.12.2021 (INR cr) NPA RP Implemented (as on RP Invoked RP Implemented (as on 31.03.21) RP Implemented (as on 30.06.21) RP Implemented (as on 30.09.21) 31.12.21) Std % to % to % to % to % to % to Total % to Total % to Total
Slide 16: Pan India presence through a wide network of Domestic Banking outlets
Pan India presence through a wide network of Domestic Banking outlets Pan India network of branches Banking Outlets & ATM Network 2,054 1,964 1,950 2 1,922 1,872 7 1,721 33 4 8 32 42 1 1 39 100 Dec'20 Mar'21 Dec'21 10 2 28 1 Banking Outlets ATM 1 16 1 73 159 43 Location/Region wise presence 2 37 24
Slide 17: 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 Self-update WhatsApp / Door Step Online Saving Payment FASTag QUICK pay Online LAD Passbook Chatbot Banking Account Gateway printer kiosk Opening 1 2 3 4 5 6 7 8 ATM Card Base Inte
Slide 18: Experienced Management Team
Experienced Management Team MBA, DISA, CAIIB and Chartered Accountant by M.A., MBA, CAIIB. Having more than three decades of qualification. Having three decades of rich and varied work experience in Regulation and Supervision of Bank & Banking experience. He has served as Executive Director Financia
Slide 19: Capital Adequacy Ratio
Capital Adequacy Ratio Bank has stable capital ratios CRAR 13.65% 14.49% 14.85% 3.52% 4.24% 3.11% 10.54% 10.54% 10.97% 10.97% 10.61% 10.61% Dec'20 Mar'21 Dec'21 CET 1 Tier 2 Tier 1 Particulars (INR Cr) Dec’20 Mar’21 Dec’21 Common Equity Tier 1 (CET 1) 8,655 9,161 9,891 Tier 2 2,551 2,936 3,952 Total
Slide 20: Key Financial Metrics – Trend Analysis
Key Financial Metrics – Trend Analysis Deposit – INR bn Cost of Funds (%) Advances – INR bn Yield on Advances (%) 1,420 1,620 1,866 939 1,049 1,290 839 531 795 406 737 4.31 408 7.36 7.50 7.36 3.84 3.36 1,027 643 759 682 825 530 Dec-19 Dec-20 Dec-21 Dec-19 Dec-20 Dec-21 Dec-19 Dec-20 Dec-21 Dec-19 De
Slide 21: Treasury Operations
Treasury Operations Bank Maintain Healthy Yield on Investments Particular Dec-20 (9m) Mar-21 (12m) Dec-21 (9m) Interest on Investments 3,079 4,153 3,310 Yield on Investments 6.78% 6.72% 6.26% Gross Investments 64,638 68,647 72,328 (SLR/ Non SLR%) 72 / 28% 76 / 24 % 77 / 23 % M- Duration (Trading /To
Slide 22: Key Growth Strategies
Key Growth Strategies Strictly Private and Confidential
Slide 23: Bank of Maharashtra's Growth Strategy
Bank of Maharashtra’s Growth Strategy A Increase In Quality Credit Portfolio B Focus On Retail, Agriculture And MSME Segment C Focus On Growth Of Core Retail Business D Focus On Cross Selling Of Products E Strategize And Innovate To Increase Non-interest Income F Arresting Delinquency And Robust Rec
Slide 24: Annexures
Annexures Strictly Private and Confidential
Slide 25: P & L Highlights
P & L Highlights Dec’21 vs Dec’20 Particulars (INR Cr) Dec’20 (9m) Mar’21 (12m) Dec’21 (9m) YoY Change (%) Total Income 10,162 14,496 11,723 15.4% Total Expense 7,743 10,536 8,054 4.0% Operating Profit 2,419 3,960 3,669 51.7% Provisions & Contingencies other than taxes 1,665 2,729 2,254 35.4% Profit
Slide 26: Interest and Non Interest Income
Interest and Non Interest Income Dec’21 vs Dec’20 Particulars (INR Cr) Dec’20 (9m) Mar’21 (12m) Dec’21 (9m) YoY Change (%) Interest on Advances 5,277 7,154 5,999 13.7% Interest on investments 3,079 4,153 3,310 7.5% Other Interest Income 414 561 284 -31.4% Total Interest Income 8,771 11,869 9,593 9.4
Slide 27: Provisions
Provisions Dec’21 vs Dec’20 Particulars (INR Cr) Dec’20 (9m) Mar’21 (12m) Dec’21 (9m) YoY Change (%) Non Performing Assets 837 2,214 2,010 140.1% Standard/Restructured Assets 562 642 420 -25.3% Non-performing Investment 161 161 95 -41.0% Other provisions 104 (288) (272) -361.5% Provision & Contingen
Slide 28: Balance Sheet Highlights
Balance Sheet Highlights Dec’21 vs Dec’20 Particulars (INR Cr) Dec’20 Mar’21 Dec’21 YoY Change (%) Liabilities Capital 6,560 6,560 6,731 2.6% Reserves & Surplus 5,411 5,573 6,603 22.0% Deposits 1,61,971 1,74,006 1,86,614 15.2% Borrowings 4,765 4,239 16,140 238.7% Other Liabilities & Provisions 5,375
Slide 29: Thank You
Thank You
Bank of Maharashtra — Non-Deal Roadshow (February 2022) on 6ix