Bank Of Maharashtra benchmarking: Perfomance to industry peers

Financial

	Bank of Maharashtra	UCO Bank	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	3.95 %	2.96 %	3.16 %
Yield On Advances	9.28 %	8.26 %	8.58 %
Gross NPA	1.74 %	2.63 %	3.13 %
Net NPA	0.18 %	0.45 %	0.49 %
CASA Ratio	50.07 %	36.91 %	46.88 %
CASA vs Liabilities	41.58 %	30.14 %	41.79 %
Credit Deposit Ratio	79.04 %	75.38 %	62.55 %
Cost To Income Ratio	37.57 %	54.06 %	55.43 %
Fresh Slippages - Quarterly	727.0 Crs	608.0 Crs	839.0 Crs
Capital to Risks Assets Ratio (CRAR)	20.06 %	18.39 %	17.66 %
Tier 2 Capital	3.43 %	2.03 %	2.18 %
Tier I Capital	16.63 %	16.36 %	15.48 %
NBFC
Cost of Borrowing	4.26 %	4.73 %	4.95 %
Financials
5 yr Average ROE	16.73 %	6.17 %	5.77 %
5yr average Equity Multiplier	15.54	11.6	13.76
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	12.49 %	5.97 %	4.67 %
5yr Avg Net Profit Margin	12.49 %	5.97 %	4.67 %
5yr CAGR Net Profit	57.52 %	76.11 %	n/a
5yr CAGR Sales	14.4 %	10.52 %	8.87 %
5 yr CAGR PPOP	18.66 %	7.79 %	12.19 %
Price to Book	1.47	1.26	0.9
P/E	7.65	15.82	7.98
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)	0.82 %	0.11 %	0.19 %

Business

	Bank of Maharashtra	UCO Bank	CentralBank of India
Segment Break-Up	Segment Break-Up Consumer Finance 43.33 Corporate Banking 33.26 Treasury Operations 23.41 Corporate/Wholesale Banking 0	Segment Break-Up Treasury Operations 0 Corporate Banking 37.49 Corporate Banking 0 Consumer Finance 0 Others 62.51	Segment Break-Up Treasury Operations 0 Corporate Banking 22.1 Corporate Banking 0 Consumer Finance 0 Others 77.9
Loan Break-Up	Loan Break-Up Corporate 37.9 Retail 29.85 MSME Sector 18.65 Agricultural 13.6 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 Personal Loan 52.23 Agricultural 15.13 Agriculture Advances 0 MSME Advances 0 Services 18.51 Corporate Advances 0 Industrial & Commercial 12.8 Corporate 0 Priority Sector 1.33 Retail 0 Agricultural 0 Retail Advances 0 MSME Sector 0	Loan Break-Up Personal Loans 0 Agriculture and allied activities 0 Agricultural Loan 19.25 Small & Medium Enterprises (SME) loans 21.92 Services 0 Corporate Banking 27.93 Industry 0 Corporate 0 0 Retail 0 Agricultural 0 Consumer Finance 30.9 MSME Sector 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.6 Rest of the World 6.4	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 37.1 Corporate & Wholesale Banking 33.1 Retail Banking 29.79 Corporate/Wholesale Banking 0 Others 0.01	Operating Profit Break-Up Treasury 51.25 Corporate/Wholesale Banking 23.05 Corporate & Wholesale Banking 0 Retail Banking 20.85 Others 4.85	-
Borrowings Break-Up	Borrowings Break-Up Subordinated Debt 17.31 Infrastructure Bonds 10.16 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings Outside India 0 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 64.65	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 0 Unsecured Redeemable NC Basel III 0 Reserve Bank Of India 0 Unsecured Redeemable Bonds 0 Infrastructure Bonds 0 Borrowings Outside India 0 Reserve Bank of India 17.43 Subordinated Debt 0 Borrowings outside India 1.04 Upper Tier II Bonds 0 0 Others 81.53	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 0 Unsecured Redeemable NC Basel III 9.17 Reserve Bank Of India 0 Unsecured Redeemable Bonds 0 Infrastructure Bonds 0 Borrowings Outside India 0 Reserve Bank of India 40.75 Subordinated Debt 0 Borrowings outside India 0 Upper Tier II Bonds 0 0 Others 50.08
Asset Break-Up	Asset Break-Up CORPORATE/ WHOLESALE BANKING 34.22 RETAIL BANKING 31.6 TREASURY 29.23 Others 4.95	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 TREASURY 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 75.27 Micro, Small and Medium Enterprises 16.98 Retail 6.7 Large Industries 1.02 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0 Others 0.03	NPA Break-Up Personal Loan 8.4 MSME 0 Agricultural 55.33 Large Industries 0 Others 0 Services 35.31 Industrial & Commercial 0.08 Corporate 0 Priority Sector 0.88 Retail 0 Agricultural 0 Medium 0 Micro, Small and Medium Enterprises 0	NPA Break-Up Personal Loans 0 MSME Sector 35.89 Agriculture and allied activities 0 Large Industries 0 Others 0 Services 0 Industry 0 Corporate 14.75 0 Retail 10.65 Agricultural 0 Medium 0 Micro, Small and Medium Enterprises 0 Others 38.71
NPA Break-Up	NPA Break-Up Agricultural 75.27 Micro, Small and Medium Enterprises 16.98 Retail 6.7 Large Industries 1.02 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0 Others 0.03	NPA Break-Up Personal Loan 8.4 MSME 0 Agricultural 55.33 Large Industries 0 Others 0 Services 35.31 Industrial & Commercial 0.08 Corporate 0 Priority Sector 0.88 Retail 0 Agricultural 0 Medium 0 Micro, Small and Medium Enterprises 0	NPA Break-Up Personal Loans 0 MSME Sector 35.89 Agriculture and allied activities 0 Large Industries 0 Others 0 Services 0 Industry 0 Corporate 14.75 0 Retail 10.65 Agricultural 0 Medium 0 Micro, Small and Medium Enterprises 0 Others 38.71

Bank Of Maharashtra

Bank Of Maharashtra

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