Bank Of Maharashtra

Financial

	Bank of Maharashtra	UCO Bank	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	3.98 %	3.17 %	3.48 %
Yield On Advances	9.27 %	8.7 %	9.01 %
Gross NPA	1.8 %	2.91 %	3.86 %
Net NPA	0.2 %	0.63 %	0.59 %
CASA Ratio	49.28 %	37.97 %	49.18 %
CASA vs Liabilities	41.7 %	30.69 %	41.83 %
Credit Deposit Ratio	80.63 %	72.74 %	68.25 %
Cost To Income Ratio	38.27 %	55.5 %	58.83 %
Fresh Slippages - Quarterly	621.0 Crs	418.0 Crs	800.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.71 %	16.25 %	16.43 %
Tier 2 Capital	4.01 %	2.08 %	2.22 %
Tier I Capital	14.7 %	14.17 %	14.21 %
NBFC
Cost of Borrowing	4.27 %	4.75 %	4.9 %
Financials
5 yr Average ROE	12.95 %	5.37 %	1.97 %
5yr average Equity Multiplier	16.06	11.57	14.47
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	9.2 %	5.37 %	1.77 %
5yr Avg Net Profit Margin	9.2 %	5.37 %	1.77 %
5yr CAGR Net Profit	59.15 %	62.91 %	n/a
5yr CAGR Sales	12.31 %	7.05 %	5.43 %
5 yr CAGR PPOP	22.96 %	1.98 %	11.2 %
Price to Book	1.41	1.38	0.99
P/E	7.43	9.56	9.3
Shareholdings
Promoter Holding	79.6 %	90.95 %	89.27 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-11.37 %	-4.44 %	-3.81 %
Change in Mutual Fund Holding (3 Yrs)	0.81 %	0.04 %	0.15 %

Business

	Bank of Maharashtra	UCO Bank	CentralBank of India
Segment Break-Up	Segment Break-Up Consumer Finance 46.14 Corporate Banking 32.56 Treasury Operations 20.88 Corporate/Wholesale Banking 0 Others 0.42	Segment Break-Up Corporate Banking 34.63 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 65.37	Segment Break-Up Corporate Banking 24.67 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 75.33
Loan Break-Up	Loan Break-Up Corporate 37.67 Retail 26.75 MSME Sector 20.82 Agricultural 14.76 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0	Loan Break-Up Retail 0 Agriculture Advances 0 Corporate 0 Priority Sector 0.93 MSME Advances 0 Agricultural 13.19 Retail Advances 0 Industrial & Commercial 11.57 Agricultural 0 MSME Sector 0 Corporate Advances 0 Personal Loan 57.66 Services 16.65	Loan Break-Up Retail 0 Agricultural Loan 18.94 Corporate 0 0 Small & Medium Enterprises (SME) loans 21.46 Agriculture and allied activities 0 Consumer Finance 29.52 Industry 0 Agricultural 0 MSME Sector 0 Corporate Banking 30.09 Personal Loans 0 Services 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 6.11 India 93.89	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.57 Corporate & Wholesale Banking 38.24 Treasury 20.19 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Hybrid Debt Capital Instruments issued as Bonds 48.29 Innovative Perpetual Debt Instruments (IPDI) 24.36 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 Reserve Bank Of India 0 Borrowings outside India 0 Reserve Bank of India 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Others 27.35	Borrowings Break-Up Borrowings Outside India 0 Reserve Bank of India 16.39 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 0 Subordinated Debt Bonds 0 Infra Bonds 0 0 Borrowings outside India 1.57 Others 82.04	Borrowings Break-Up Borrowings Outside India 0 Reserve Bank of India 55.01 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 14.99 0 Subordinated Debt Bonds 0 Infra Bonds 0 0 Borrowings outside India 0 Others 30.0
Asset Break-Up	Asset Break-Up CORPORATE/ WHOLESALE BANKING 36.95 RETAIL BANKING 32.41 TREASURY 25.61 Others 5.03	Asset Break-Up RETAIL BANKING 0 TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 Others 100	Asset Break-Up RETAIL BANKING 0 TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 64.23 Micro, Small and Medium Enterprises 27.64 Retail 5.04 Large Industries 3.08 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0 Others 0.01	NPA Break-Up Retail 0 Medium 0 Others 0 Priority Sector 2.03 Corporate 0 Micro, Small and Medium Enterprises 0 Services 35.18 Agricultural 50.55 Industrial & Commercial 0.57 MSME 0 Agricultural 0 Personal Loan 11.67 Large Industries 0	NPA Break-Up Retail 8.2 Medium 0 Others 0 0 Corporate 32.28 Micro, Small and Medium Enterprises 0 Services 0 Agriculture and allied activities 0 Industry 0 MSME Sector 28.14 Agricultural 0 Personal Loans 0 Large Industries 0 Others 31.38
NPA Break-Up	NPA Break-Up Agricultural 64.23 Micro, Small and Medium Enterprises 27.64 Retail 5.04 Large Industries 3.08 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0 Others 0.01	NPA Break-Up Retail 0 Medium 0 Others 0 Priority Sector 2.03 Corporate 0 Micro, Small and Medium Enterprises 0 Services 35.18 Agricultural 50.55 Industrial & Commercial 0.57 MSME 0 Agricultural 0 Personal Loan 11.67 Large Industries 0	NPA Break-Up Retail 8.2 Medium 0 Others 0 0 Corporate 32.28 Micro, Small and Medium Enterprises 0 Services 0 Agriculture and allied activities 0 Industry 0 MSME Sector 28.14 Agricultural 0 Personal Loans 0 Large Industries 0 Others 31.38

Bank Of Maharashtra

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