Bank Of Maharashtra

Financial

	Bank of Maharashtra	Punjab & Sind Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.97 %	2.32 %	3.77 %
Yield On Advances	9.14 %	8.67 %	9.48 %
Gross NPA	1.88 %	5.43 %	4.08 %
Net NPA	0.2 %	1.63 %	0.79 %
CASA Ratio	52.73 %	32.42 %	50.51 %
CASA vs Liabilities	46.48 %	26.22 %	44.05 %
Credit Deposit Ratio	75.22 %	69.29 %	69.57 %
Cost To Income Ratio	38.72 %	69.49 %	56.63 %
Fresh Slippages - Quarterly	570.0 Crs	370.0 Crs	324.97 Crs
Capital to Risks Assets Ratio (CRAR)	17.38 %	17.16 %	15.33 %
Tier 2 Capital	3.66 %	2.42 %	2.24 %
Tier I Capital	13.72 %	14.74 %	13.09 %
NBFC
Cost of Borrowing	4.09 %	5.77 %	4.71 %
Financials
5 yr Average ROE	12.95 %	-11.42 %	3.63 %
5yr average Equity Multiplier	16.06	13.59	16.21
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	9.2 %	-4.82 %	2.88 %
5yr Avg Net Profit Margin	9.2 %	-4.82 %	2.88 %
5yr CAGR Net Profit	59.15 %	n/a	20.54 %
5yr CAGR Sales	12.31 %	-0.99 %	3.57 %
5 yr CAGR PPOP	22.96 %	0.75 %	1.62 %
Price to Book	2.26	2.57	1.06
P/E	11.05	67.09	7.3
Shareholdings
Promoter Holding	86.46 %	98.25 %	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-6.87 %	1.18 %	-8.78 %
Change in Mutual Fund Holding (3 Yrs)	0.37 %	0.03 %	4.88 %

Business

	Bank of Maharashtra	Punjab & Sind Bank	J&K Bank
Segment Break-Up	Segment Break-Up Consumer Finance 40.87 Corporate Banking 36.71 Treasury Operations 21.0 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 1.42	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 35.69 Treasury Operations 0 Others 64.31	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 19.24 Treasury Operations 20.57 Others 60.19
Loan Break-Up	Loan Break-Up Corporate 38.97 Retail 25.4 MSME Sector 20.68 Agricultural 14.95 Personal loans 0 Services 0 Advances to industries sector 0 Agriculture and allied 0 Agriculture 0 Trade 0 Personal 0 SME 0 Corporate 0	Loan Break-Up Agricultural 0 Agricultural 14.57 Services 0 Advances to industries 18.51 Trade 0 MSME Sector 0 Retail 0 Agriculture 0 Corporate 48.27 SME 0 Personal Loan 18.65 Personal 0	Loan Break-Up Agricultural 0 Agriculture and allied 0 Services 0 Advances to industries sector 0 Trading 11.0 MSME Sector 0 Retail 0 Agricultural 10.0 Corporate 28.0 SME 11.0 Personal loans 0 Personal 38.0 Others 2.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 46.76 Retail Banking 26.69 Treasury 24.02 Corporate / Wholesale Banking 0 Others 2.53	Operating Profit Break-Up Retail Banking 37.93 Treasury 25.93 Corporate & Wholesale Banking 0 Corporate / Wholesale Banking 34.57 Others 1.57	Operating Profit Break-Up Retail Banking 41.93 Treasury 0 Corporate & Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 58.07
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 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Unsecured Redeemable Debentures/Bonds 0 Others 27.35	Borrowings Break-Up Unsecured Redeemable Debentures/Bonds 0 Infra Bonds 0 0 Bonds 0 0 Subordinated Debt Bonds 0 Subordinated Debt 13.72 Borrowings Outside India 0 Borrowings outside India 0 Institutional Business 86.28 Reserve Bank Of India 0	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 99.61 Infra Bonds 0 0 Bonds 0 0 Subordinated Debt Bonds 0 Subordinated Debt 0 Borrowings Outside India 0 Borrowings outside India 0 Institutions & Agencies 0 Reserve Bank Of India 0 Others 0.39
NPA Break-Up	NPA Break-Up Agricultural 63.29 Micro, Small and Medium Enterprises 27.73 Retail 5.77 Large Industries 3.21 Medium 0 Services 0 Advances to industries sector 0 Agriculture and allied 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0	NPA Break-Up Agricultural 0 Agricultural 26.32 Industry 0 Services 0 Advances to industries 31.0 Medium 0 Large Industries 0 0 Retail 12.18 Micro, Small and Medium Enterprises 0 Agriculture & Allied Activities 0 Personal Loans 0 Others 30.5	NPA Break-Up Agricultural 0 Agriculture and allied 0 Industrial & Commercial 22.33 Services 53.48 Advances to industries sector 0 Medium 0 Large Industries 0 Priority Sector 5.1 Retail 0 Micro, Small and Medium Enterprises 0 Agricultural 12.92 Personal Loan 6.17
Asset Break-Up	Asset Break-Up CORPORATE/ WHOLESALE BANKING 36.65 RETAIL BANKING 29.55 TREASURY 28.41 Others 5.39	-	-
NPA Break-Up	NPA Break-Up Agricultural 63.29 Micro, Small and Medium Enterprises 27.73 Retail 5.77 Large Industries 3.21 Medium 0 Services 0 Advances to industries sector 0 Agriculture and allied 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0	NPA Break-Up Agricultural 0 Agricultural 26.32 Industry 0 Services 0 Advances to industries 31.0 Medium 0 Large Industries 0 0 Retail 12.18 Micro, Small and Medium Enterprises 0 Agriculture & Allied Activities 0 Personal Loans 0 Others 30.5	NPA Break-Up Agricultural 0 Agriculture and allied 0 Industrial & Commercial 22.33 Services 53.48 Advances to industries sector 0 Medium 0 Large Industries 0 Priority Sector 5.1 Retail 0 Micro, Small and Medium Enterprises 0 Agricultural 12.92 Personal Loan 6.17

Bank Of Maharashtra

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