Bank Of Maharashtra benchmarking: Performance to industry peers

Financial

	Bank of Maharashtra	Indian Overseas Bank	Bank Of India
Operational Metrics
Banks
Net Interest Margin	3.88 %	3.42 %	2.57 %
Yield On Advances	8.92 %	9.03 %	7.81 %
Gross NPA	1.6 %	1.54 %	2.26 %
Net NPA	0.15 %	0.24 %	0.6 %
CASA Ratio	49.54 %	40.85 %	37.97 %
CASA vs Liabilities	40.52 %	31.88 %	30.18 %
Credit Deposit Ratio	85.03 %	84.45 %	83.44 %
Cost To Income Ratio	37.19 %	45.74 %	52.02 %
Fresh Slippages - Quarterly	749.0 Crs	301.0 Crs	1090.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.06 %	16.3 %	17.09 %
Tier 2 Capital	3.11 %	2.3 %	2.73 %
Tier I Capital	13.95 %	13.99 %	14.36 %
NBFC
Cost of Borrowing	4.1 %	5.07 %	4.57 %
Financials
5 yr Average ROE	16.73 %	10.66 %	9.05 %
5yr average Equity Multiplier	15.54	13.38	13.53
5yr Average Asset Turnover Ratio	0.07	0.08	0.07
5yr Avg Net Profit Margin	12.49 %	7.85 %	8.1 %
5yr Avg Net Profit Margin	12.49 %	7.85 %	8.1 %
5yr CAGR Net Profit	57.52 %	34.96 %	35.6 %
5yr CAGR Sales	14.4 %	8.48 %	10.99 %
5 yr CAGR PPOP	18.66 %	8.49 %	9.98 %
Price to Book	1.51	1.78	0.79
P/E	7.78	12.84	6.93
Shareholdings
Promoter Holding	73.6 %	92.44 %	73.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-17.37 %	-3.94 %	-8.03 %
Change in Mutual Fund Holding (3 Yrs)	5.06 %	0.07 %	2.71 %

Business

	Bank of Maharashtra	Indian Overseas Bank	Bank Of India
Loan Break-Up	Loan Break-Up Corporate 36.52 Retail 30.9 MSME Sector 18.96 Agricultural 13.62 Infrastructure 0 NBFC 0 Realestate 0 Construction 0 Rubber, Plastic & their products 0 0 Chemicals & Chemical products 0 Gems & Jeweler 0 Textiles 0 Basic Metal & Metal products 0 Telecom 0 Roads and Ports 0 Power 0 Personal 0 Education 0 Auto 0 Mortgage 0 Home 0	Loan Break-Up NBFC 0 Telecom 0 Agricultural 0 Textiles 0 Home 0 MSME Sector 0 Personal 0 Realestate 0 Mortgage 0 Retail 28.42 Power 0 Auto 0 Roads and Ports 0 Gems & Jeweler 0 Corporate 17.34 Basic Metal & Metal products 0 Infrastructure 0 Construction 0 Education 0 0 Rubber, Plastic & their products 0 Chemicals & Chemical products 0 Others 54.24	Loan Break-Up NBFC 20.41 Telecom 0 Agricultural 0 Textiles 1.78 Home 0 MSME Sector 0 Personal 0 Real Estate 24.7 Mortgage 0 Retail 0 Power 0 Auto 0 Roads and Ports 0 Gems & Jewelry 0.82 Corporate 0 Metals 6.12 Infrastructure 14.19 Construction 1.12 Education 0 Automobiles 0.59 Rubber and plastics 1.12 Chemicals 2.34 Others 26.81
Segment Break-Up	Segment Break-Up Consumer Finance 40.68 Corporate Banking 30.94 Treasury Operations 16.74 Corporate / Wholesale Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 11.64	Segment Break-Up Wholesale Banking Operations 0 Corporate Banking 0 Corporate Banking 28.84 Retail Banking Operations 0 Consumer Finance 0 Treasury Operations 0 Others 71.16	Segment Break-Up Corporate Banking 34.32 Corporate Banking 0 Corporate / Wholesale Banking 0 Consumer Finance 38.54 Consumer Finance 0 Treasury Operations 26.41 Others 0.73
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.74 Rest of the World 3.26	Location Wise Break-Up India 88.4 Rest of the World 11.6
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 36.85 Retail Banking 36.57 Treasury 23.35 Corporate / Wholesale Banking 0 Others 3.23	Operating Profit Break-Up Corporate Banking 13.96 Treasury Operations 18.61 Corporate & Wholesale Banking 0 Consumer Finance 62.67 Others 4.76	-
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 RBI 0 Subordinated Debt 0 Other Institutions & Agencies 0 Other Institutions and Agencies 0 Borrowings outside India 0 0 Others 64.65	Borrowings Break-Up RBI 4.61 Other Institutions and Agencies 0 0 Borrowings outside India 33.51 Borrowings outside India 0 Other Institutions & Agencies 48.78 Reserve Bank Of India 0 Subordinated Debt 5.13 Infrastructure Bonds 0 0 0 Others 7.97	Borrowings Break-Up RBI 0 Other Institutions and Agencies 53.16 0 Borrowings Outside India 0 Borrowings outside India 19.31 Other Institutions & Agencies 0 Reserve Bank Of India 0 Subordinated Debt 0 Infrastructure Bonds 0 Reserve Bank of India 24.22 0 Others 3.31
NPA Break-Up	NPA Break-Up Agricultural 75.18 Micro, Small and Medium Enterprises 18.46 Retail 5.49 Large Industries 0.87 Medium 0 Overseas 0 Corporate 0 MSME 0 Agri 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up Overseas 30.75 Agricultural 0 Medium 0 RETAIL 0 Large Corporate 0 Large Industries 0 Retail 14.37 AGRICULTURE 0 Micro, Small and Medium Enterprises 0 Agricultural 27.11 MSME Sector 25.17 Corporate 2.6	NPA Break-Up Overseas 0 Agricultural 0 Medium 0 Retail 8.77 Large Corporate 0 Large Industries 0 Retail 0 Agricultural 43.16 Micro, Small and Medium Enterprises 0 Agri 0 MSME 0 Corporate 0 Others 48.07
NPA Break-Up	NPA Break-Up Agricultural 75.18 Micro, Small and Medium Enterprises 18.46 Retail 5.49 Large Industries 0.87 Medium 0 Overseas 0 Corporate 0 MSME 0 Agri 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0	NPA Break-Up Overseas 30.75 Agricultural 0 Medium 0 RETAIL 0 Large Corporate 0 Large Industries 0 Retail 14.37 AGRICULTURE 0 Micro, Small and Medium Enterprises 0 Agricultural 27.11 MSME Sector 25.17 Corporate 2.6	NPA Break-Up Overseas 0 Agricultural 0 Medium 0 Retail 8.77 Large Corporate 0 Large Industries 0 Retail 0 Agricultural 43.16 Micro, Small and Medium Enterprises 0 Agri 0 MSME 0 Corporate 0 Others 48.07
Asset Break-Up	Asset Break-Up RETAIL BANKING 35.69 CORPORATE/ WHOLESALE BANKING 32.4 TREASURY 26.98 Others 4.93	-	-

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