Financial Results for Quarter/ Financial Year ended 31 st March 2018 SMALL STEPS TOWARDS BIG CHANGE
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1 Financial Results for Quarter/ Financial Year ended 31 st March 2018 SMALL STEPS TOWARDS BIG CHANGE
2 Performance Highlights Assets, Liabilities & Business Overview Loans & Advances Asset Quality Investments Income & Expenditure, Profitability Financial Ratios Suit Filed Accounts & Wilful Defaulters Capital & Capital Adequacy Resources 2
3 Cash Recoveries+Upgradation Operating Profit % 19.94% TOTAL EXPENDITURE BURDEN COST OF FUNDS 11.34% % 68 BPS 3
4 As on % Growth LIABILITIES Y-o-Y Q-o-Q Capital % 88.30% Reserves and Surplus % 32.99% Deposits (0.05%) 4.03% Borrowings (50.06%) (30.23%) Other Liabilities & Provisions (29.76%) (15.85%) TOTAL (1.88%) 4.02% ASSETS Cash and Balances with Reserve Bank of India 3.50% 24.27% Balances with Banks and Money at Call and Short (94.52%) 1.44% Investments % 7.74% Advances (10.17%) (2.13%) Fixed Assets (4.38%) 1.61% Other Assets % 21.17% TOTAL (1.88%) 4.02% 4
5 As on % Growth Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Total Business (2.89%) 2.13% Deposits (0.05%) 4.03% of which CASA % 10.71% CASA Share (%) to Total Deposit 44.89% 44.86% 47.74% 285 BPS 288 BPS Gross Advances (6.79%) (0.55%) Gross Investment % 7.85% Business MIX [Rs in crore] Mar 17 Dec 17 Mar 18 5
6 Deposit CASA Deposit Mar 17 Dec 17 Mar Mar 17 Dec 17 Mar 18 Current Deposits Savings Deposits CASA Advances CD RATIO % Mar 17 Dec 17 Mar Mar 17 Dec 17 Mar 18 6
7 As on % Growth Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Gross Advances (6.79%) (0.55%) of which Priorty Sector % 4.04% Non-Priorty Sector (11.45%) (3.35%) Priority & Non Priority Advances Priorty Sector Non Priorty Sector Mar 17 Dec 17 Mar 18 7
8 As on % Growth Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Gross Advances (6.79%) (0.55%) of which Corporate/Wholesale Advances (Adv above Rs. 5 Cr) Non-Corporate Advances (Adv up to Rs.. 5Cr) Amount % Amount % Amount % (12.65%) (2.58%) % 2.17% Corporate & Non-Corporate Advances Mar 17 Dec 17 Mar 18 Corporate Advances (above Rs. 5 Cr) Non-Corporate Advances (below Rs. 5 Cr)
9 Mar 17 Dec 17 Mar 18 Growth Y-o-Y Growth Q-o-Q % to % to % to PARTICULARS Adv Adv Adv Amt % Amt % ANBC ANBC ANBC ANBC (10061) (9.55%) (675) (1%) Priorty Sector (including investment) % % % % % Priorty Sector (excluding % % % % % investment) of which Agriculture % % % (430) (2.89%) (95) (1%) MSME (Priority) % % % % % Others % % % (219) (3.26%) (46) (1%) RIDF Investment % % % (173) (5.43%) (3100) (97%) 9
10 As on % Growth Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q Total Retail Credit % 22.24% of which Housing (0.17%) 26.28% Education % 1.39% Vehicle % 8.94% Others % 10.26%
11 As on Growth Mar 17 Dec 17 Mar 18 Y-o-Y Q-o-Q MSME Advances (Priority + Non-Priority) (21.94%) (13.91%) Manufacturing (12.34%) (6.52%) Services (25.90%) (17.11%) Total (21.94%) (13.91%) Micro (13.67%) (8.59%) Small (29.39%) (18.92%) Medium (39.51%) (27.81%) Total (21.94%) (13.91%)
12 Sector Mar 17 Dec 17 Mar 18 % Growth % Growth Amount Amount Amount Y-o-Y Q-o-Q CRE (45.79%) (25.37%) NBFC % 17.28% Infra (14.54%) (9.33%) of which Power (32.26%) (18.67%) Telecom % (48.41%) Roads (8.34%) 4.87% Ports (7.54%) (2.35%) Others % 28.56% Total (12.97%) (0.72%) Break-up of exposure to Power Sector Exposure as on Central Govt. State Govt. Private Total
13 As on % Change Mar 17 Dec 17 Mar 18 % of % of % of Amount Amount Amount Y-o-Y Q-o-Q G Adv G Adv G Adv Standard % % % (9.65%) (1.08%) Sub-Standard % % % (21.84%) 2.98% Doubtful % % % 11.93% (5.29%) Loss % % % % % Total NPA % % % 7.24% 1.68% Total Advances Provision Coverage Ratio (including % % % 1423 BPS 531 BPS TWO) Provision Coverage Ratio (excluding TWO) 34.79% 41.26% 47.81% 1302 BPS 655 BPS 13
14 Period Ended Mar 17 Dec 17 Mar 18 Opening Gross NPA Less Cash Recoveries Less Upgradat ion Less Write Off Total Reduction [A] Add Slippages Add Variation Total Addition [B] Gross NPA Gross NPA [%] 16.93% 19.05% 19.48% Net NPA Net NPA [%] 11.76% 12.17% 11.24% Delinquacy Rat io (%) 6.07% 4.57% 6.09% 14
15 Sectors Adv Sector NPA Sector NPA % Adv Sector NPA Sector NPA % Adv Sector NPA Sector NPA % Agriculture* % % % Retail % % % SME % % % Sub Total [A] % % % % of [A] to Tot. Adv Medium % % % Large Corp orate % % % Others % % % Sub Total [B] % % % As on Mar 17 Dec 17 Mar 18 % of [B] to Tot. Adv Total % % % *Agriculture includes Priority and Non-priority figures 15
16 Sector G Adv As on As on As on Mar 17 Dec 17 Mar 18 Sector NPA Sector NPA % G Adv Sector NPA Sector NPA % G Adv Sector NPA Sector NPA % Total Retail Credit % % % of which Housing % % % Education % % % Vehicle % % % Others % % % Share in Retail Sector NPA - Mar 18 Education 14% Vehicle 6% Others 4% Housing 76% Housing Education Vehicle Others 16
17 No. Of Accounts (in Lakhs) Amount (Rs. Cr) No. Of Accounts (in Lakhs) Amount (Rs. Cr) Total No. of cases elligible Total receipts Recoveries in NPA Sacrifice on Account of Interest waiver Dec 17 Mar
18 Number of Accounts as on Recovery Nine Month ended Recovery during the Quarter ended Amount as on Recovery FY SUIT FILED DECREED SARFAESI [13(2)] NCLT (Including A/cs in RBI lists) As on As on As on Number Amount Number Amount Number Amount Total Number of Cases Suit Filed FIR SARFAESI Action Initiated NCLT
19 RBI List 1 RBI List 2 Total NCLT Cases as on Amount Amount Amount No. of Accounts Balance as on Total Security Secured Balance Unsecured Balance Provision held for the Quarter Provision required as per IRAC till
20 Details of Restructured Accounts as on No. of Accounts Standard NPA TOTAL Amount No. of Accounts Amount No. of Accounts Amount CDR SDR Outside SDR S4A Sub-Total /
21 As on Mar 17 Dec 17 Mar 18 Opening Standard Restrrucutured Advances 4, , Add: Additions in Restructured Accounts Add: Upgradations Less: Downgradations (1,459.79) (60.95) (228.31) Less: Ceased to attract (589.15) (401.02) (524.76) Add/Less: Additional Disbursment/Repayment/Write Off/ Sale to ARC (273.45) (315.25) (296.95) Closing Restructured Standard Advances 2, ,
22 PARTICULARS As on % Change Mar 17 Dec 17 Mar 18 Y-O-Y Q-o-Q A. SLR Investments (i) HFT (100.00%) (ii) AFS % (5.87%) (iii) HTM (4.67%) (1.21%) Total SLR Investment % (2.55%) B. Non SLR Investments (i) HFT % (97.80%) (ii) AFS % 37.28% (iii) HTM % % Total Non SLR Investment % 73.73% C. Gross Investment % 7.85% M Duration (Total) M Duration for (AFS+HFT) SLR Securities as % of NDTL
23 Year ended Quarter Ended %Variation (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Total Income (7.76%) 3.34% Total Expenses (13.01%) (1.07%) Operating Profit % 30.38% Provisions & Contingencies other than taxes % 38.43% Profit before tax (2143) (3266) (1407) (1055) (1494) Tax Expense (771) (2,120) (952) (458) (1,380) Net Profit (1373) (1146) (455) (597) (113) 23
24 Year Ended Quarter Ended % Change (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Interest on Advances (17.27%) (8.04%) Interest on Investment % 9.47% Other Interest Income % 16.62% Total Interest Income (9.36%) (1.17%) Interest Income (Year Ended) Interest Income (Qtr Ended) Mar 17 Mar Mar 17 Dec 17 Mar 18 24
25 Year Ended Quarter Ended % Change (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Interest on Deposits (16.09%) (2.82%) Other Interest Exp (36.35%) (8.43%) Total Interest Exp (17.93%) (3.24%) Interest Expenses (Year Ended) Interest Expenses (Qtr Ended) Mar 17 Mar 18 0 Mar 17 Dec 17 Mar 18 25
26 Year Ended Quarter Ended % Change (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Net Interest Income % 3.35% NIM (%) (on Avg Interest earning Assets) NII NIM (%) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Year Ended Quarter - Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Year Ended Quarter 26
27 Year Ended Quarter Ended % Variation (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Fee Based Income % 38.86% Of which Fee Income from Gov t. Business % 25.00% Fee Income from Adv ances % 59.76% Other Fee Income % 21.18% Treasury Income (43.00%) 37.71% Of which Net Profit from sale of Inv estment (52.60%) 76.12% Exchange profit % (9.46%) Recov ery in written off accounts % % Miscellaneous Income (53.84%) 24.64% Total Non-Interest Income % 48.82% 27
28 Expenditure Item Year Ended Quarter Ended % Variation (Qtr) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Staff Expenses (12.09%) (10.35%) of which AS (42.16%) (28.29%) Other Operating Expenses % 30.71% Total Op. Expenditure % 4.71% 28
29 Expenditure Item Year Ended Quarter Ended %Variation (Qtr) (Excl Staff Exp) Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Y-o-Y for Q4 Q-o-Q Rent, taxes, lighting % 11.20% Printing & Stationery (43.00%) (24.11%) Advt. & Publicity (27.56%) 24.75% Depreciation on fixed assets % 95.14% Directors Fees & Expenses (35.00%) 44.44% Auditors Fees % 27.83% Law Charges % 37.06% Postage, Telegram, Telephone etc % 48.51% Repairs & Maintenance % 60.43% Insurance & Guarantee Fee % (0.45%) Other Expenditure % 26.29% Total Non-int. Exp % 30.71% 29
30 MTM Provion required for AFS Portfolio for Dec 2017 MTM Provion required for AFS Portfolio for March 2018 Total Provision Required as on Provision Made Provision to be made Quarter Ended Mar 18 June 18 Sep 18 Dec MTM Provision (A) Additional Provison of Gratuity (B) Total = (A + B)
31 Year Ended Quarter Ended Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Non Performing Assets 3, , , , , Standard/Restructured Assets (44.25) (131.93) (83.90) (61.72) (68.33) Depreciation on Investments (7.70) (40.27) Non-performing Investment Other provisions (net of write back) Provision & Contingencies other than taxes 3, , , , , Income Tax (net of DTA & write back) (770.56) (2,120.14) (951.83) (458.02) (1,380.34) Total Provisions 3, , ,
32 Year Ended Quarter Ended Mar 17 Mar 18 Mar 17 Dec 17 Mar 18 Cost of Deposits (%) Yield on Advances (%) Yield on Investments (%) Cost of Funds (%) Yield on Funds (%) NIM (%) Return on Equity (%) (24.92) (56.57) (33.08) (58.08) (14.49) Return on Assets (%) (0.86) (0.73) (1.09) (1.53) (0.29) Earning Per Share (Rs.) (Not annualised) (11.75) (8.98) (3.90) (4.65) (0.79) Book value Per Share (Rs.)
33 As on Mar 17 Dec 17 Mar 18 Risk Weighted Assets % of RWA to Gross Adv ances 94.03% 87.93% 86.36% Tier I Capital CET I Capital Additional Tier I Capital Tier I I Capital Total Capital Funds Tier I Ratio 9.01% 9.07% 9.01% CET I Ratio 7.28% 7.23% 8.97% Additional Tier I Ratio 1.73% 1.83% 0.03% Tier I I Ratio 2.17% 2.22% 2.00% CRAR 11.18% 11.29% 11.00% During the FY 17-18, Bank has raised capital of Rs Crore by way of QIP and GOI has infused capital of Rs Crore by way of preferential allotment. Bank has repaid Basel III compliant AT1 Bonds of Rs Crore by exercising call option under regulatory event (PCA) in March 2018 as per advice of Government of India. 33
34 Category of Branch Mar 17 As on Dec 17 Mar 18 Metro Urban Semi- Urban Rural Total Branches Category of Staff Mar 17 As on Dec 17 Mar 18 Officers Clerks Sub-staff Total Consolidation & Rationalisation of Zones/ Branches Planned for FY Actual upto Actual for FY No. Of Branches Merged/Closed No. Of Zones Merged/Closed
35 As on No. of Registered Users (in lakhs) Mar 17 Dec 17 Mar 18 No. No. No. Maha Mobile UPI Internet Banking ATM (cards issued) BHIM Transactions Mar 17 (Qtr) Dec 17 (Qtr) Mar 18 (Qtr) Amount (Rs Cr.) No.(in Lakhs) Amount (Rs Cr.) No.(in Lakhs) No. (in Lakhs) Amount (Rs Cr.) Maha Mobile UPI Internet Banking ATM on us ATM off us BHIM Total Digital Transactions (Lakhs % of Digital Transactions to Total Transactions
36 % Holding % Holding Govt of India % % Banks, Fis & Insur Co % % FIIs & NRIs % % Others % % Total % % As on Share Cap (Rs. In Cr) 2, No. of Shares (Cr) Govt of India Banks, Fis & Insur Co FIIs & NRIs Others Net Worth (Rs. In Cr) 6, BV per share (Rs.) Return on Equity (%) (Annualised) (56.57) 87.01% 9.17% 0.23% 3.59% 36
37 As on Mar-17 Dec-18 Mar-18 No. of PMJDY Accounts (in Lakhs ) Deposit Amount in PMJDY Accounts (Rs. in Cr) Av erage Balance in PMJDY Accounts No. of Transactions routed through BCs (in lakhs) Amount of transactions routed through BCs (Rs. in Cr) No. of Zero Balance accounts (in lacs) No. of Accounts under Pradhan Mantri Suraksha Bima Yojana (in Lakhs) No. of Accounts under Pradhan Mantri Jeev an Jyoti Bima Yojana (in Lakhs) No. of Accounts under Atal Pension Yojana (in Lakhs)
38 No of accounts Mar 17 (Qtr) Dec 17 (Qtr) Mar 18 (Qtr) Amount disbursed during the quarter (Rs in Cr) Amount outstanding as on (Rs in Cr) No of accounts Amount disbursed during the quarter (Rs in Cr) Amount outstanding as on (Rs in Cr) No of accounts Amount disbursed during the quarter (Rs in Cr) Amount outstanding as on (Rs in Cr) Mudra loan under PMMY Stand up India
39 The information contained herein speaks only as of the particular date or dates included in the accompanying slides. Bank has taken all the precautions for accuracy of data. However, bank is not responsible and will not be held liable to any one for any unintended error. Bank of Maharashtra does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Bank of Maharashtra and its management may make certain statements that constitute forward looking statement and Bank of Maharashtra undertakes no obligation to update any forward looking statement to reflect the impact of circumstances or events that arise after the date of the forward looking statement. This is for general information purpose only.
40 THANK YOU 40
Total Business Gross Advances Total Deposits 12.05% 9.91% 13.82% NIM CASA. CRAR Basel III 2.59% 11.20% 12.52%
1 Total Business Gross Advances Total Deposits 12.05% 9.91% 13.82% CASA NIM CRAR Basel III 12.52% 2.59% 11.20% 2 PARTICULARS 31.03.2015 31.03.2016 No. of Share % Holding No. of Share % Holding Govt of
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