Bank Of Maharashtra

Financial

	Bank of Maharashtra	Punjab & Sind Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.97 %	2.54 %	3.83 %
Yield On Advances	9.14 %	8.91 %	9.78 %
Gross NPA	1.88 %	5.7 %	4.84 %
Net NPA	0.2 %	1.8 %	0.83 %
CASA Ratio	52.73 %	31.19 %	50.59 %
CASA vs Liabilities	46.48 %	25.41 %	43.78 %
Credit Deposit Ratio	75.22 %	70.6 %	69.82 %
Cost To Income Ratio	38.72 %	74.84 %	62.36 %
Fresh Slippages - Quarterly	570.0 Crs	228.0 Crs	277.7 Crs
Capital to Risks Assets Ratio (CRAR)	17.38 %	16.13 %	14.18 %
Tier 2 Capital	3.66 %	2.38 %	2.44 %
Tier I Capital	13.72 %	13.75 %	11.74 %
NBFC
Cost of Borrowing	4.09 %	5.71 %	4.95 %
Financials
5 yr Average ROE	-6.2 %	-11.42 %	3.63 %
5yr average Equity Multiplier	18.57	13.59	16.21
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	-1.95 %	-4.82 %	2.88 %
5yr Avg Net Profit Margin	-1.95 %	-4.82 %	2.88 %
5yr CAGR Net Profit	n/a	n/a	20.54 %
5yr CAGR Sales	7.96 %	-0.99 %	3.57 %
5 yr CAGR PPOP	22.64 %	0.75 %	1.62 %
Price to Book	2.49	2.77	1.3
P/E	12.14	46.21	9.48
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 42.34 Corporate Banking 36.02 Treasury Operations 20.66 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 0.98	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Corporate Banking 41.76 Consumer Finance 0 Others 58.24	Segment Break-Up Treasury Operations 20.03 Corporate Banking 0 Corporate Banking 17.66 Consumer Finance 0 Others 62.31
Loan Break-Up	Loan Break-Up Corporate 38.97 Retail 26.05 MSME Sector 20.89 Agricultural 14.1 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 Agriculture 0 MSME Sector 0 Corporate 48.54 Services 0 Personal 0 SME 0 Trade 0 Advances to industries 18.81 Agricultural 14.34 Agricultural 0 Personal Loan 18.32 Retail 0	Loan Break-Up Agricultural 9.0 MSME Sector 0 Corporate 28.0 Services 0 Personal 38.0 SME 11.0 Trading 11.0 Advances to industries sector 0 Agriculture and allied 0 Agricultural 0 Personal loans 0 Retail 0 Others 3.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 64.92 Treasury 23.67 Retail Banking 11.4 Corporate / Wholesale Banking 0 Others 0.01	Operating Profit Break-Up Corporate / Wholesale Banking 44.5 Corporate & Wholesale Banking 0 Treasury 12.6 Retail Banking 4.16 Others 38.74	Operating Profit Break-Up Corporate / Wholesale Banking 0 Corporate & Wholesale Banking 0 Treasury 0 Retail Banking 62.63 Others 37.37
Borrowings Break-Up	Borrowings Break-Up Subordinated Debt 27.44 Innovative Perpetual Debt Instruments (IPDI) 17.46 Reserve Bank of India 4.64 Borrowings Outside India 0 Infra Bonds 0 0 Borrowings outside India 0 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Unsecured Redeemable Debentures/Bonds 0 Others 50.46	Borrowings Break-Up Subordinated Debt 13.72 Unsecured Redeemable Debentures/Bonds 0 Reserve Bank of India 0 0 Borrowings outside India 0 Institutional Business 86.28 Bonds 0 0 Infra Bonds 0 Borrowings Outside India 0	Borrowings Break-Up Subordinated Debt 0 UNSECURED REDEEMABLE BONDS 99.61 Reserve Bank of India 0 0 Borrowings outside India 0 Institutions & Agencies 0 Bonds 0 0 Infra Bonds 0 Borrowings Outside India 0 Others 0.39
Asset Break-Up	Asset Break-Up CORPORATE/ WHOLESALE BANKING 41.4 TREASURY 26.89 RETAIL BANKING 25.49 Others 6.22	-	-
NPA Break-Up	NPA Break-Up Agricultural 62.91 Micro, Small and Medium Enterprises 27.81 Retail 5.6 Large Industries 3.65 Medium 0 Services 0 Advances to industries sector 0 Agriculture and allied 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0 Others 0.03	NPA Break-Up Micro, Small and Medium Enterprises 0 Industry 0 Large Industries 0 Services 0 0 Personal Loans 0 Advances to industries 31.1 Agricultural 23.58 Agricultural 0 Agriculture & Allied Activities 0 Retail 10.51 Medium 0 Others 34.81	NPA Break-Up Micro, Small and Medium Enterprises 0 Industrial & Commercial 22.33 Large Industries 0 Services 53.48 Priority Sector 5.1 Personal Loan 6.17 Advances to industries sector 0 Agriculture and allied 0 Agricultural 0 Agricultural 12.92 Retail 0 Medium 0
NPA Break-Up	NPA Break-Up Agricultural 62.91 Micro, Small and Medium Enterprises 27.81 Retail 5.6 Large Industries 3.65 Medium 0 Services 0 Advances to industries sector 0 Agriculture and allied 0 Personal Loans 0 Industry 0 0 Agriculture & Allied Activities 0 Others 0.03	NPA Break-Up Micro, Small and Medium Enterprises 0 Industry 0 Large Industries 0 Services 0 0 Personal Loans 0 Advances to industries 31.1 Agricultural 23.58 Agricultural 0 Agriculture & Allied Activities 0 Retail 10.51 Medium 0 Others 34.81	NPA Break-Up Micro, Small and Medium Enterprises 0 Industrial & Commercial 22.33 Large Industries 0 Services 53.48 Priority Sector 5.1 Personal Loan 6.17 Advances to industries sector 0 Agriculture and allied 0 Agricultural 0 Agricultural 12.92 Retail 0 Medium 0

Bank Of Maharashtra

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