Bank Of Maharashtra

Financial

	Bank of Maharashtra	UCO Bank	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	4.01 %	3.0 %	3.17 %
Yield On Advances	9.3 %	8.5 %	8.54 %
Gross NPA	1.74 %	2.69 %	3.18 %
Net NPA	0.18 %	0.5 %	0.55 %
CASA Ratio	53.28 %	37.91 %	48.91 %
CASA vs Liabilities	44.33 %	30.7 %	42.07 %
Credit Deposit Ratio	76.86 %	74.94 %	68.6 %
Cost To Income Ratio	38.5 %	58.47 %	61.57 %
Fresh Slippages - Quarterly	660.0 Crs	488.0 Crs	1366.0 Crs
Capital to Risks Assets Ratio (CRAR)	20.53 %	18.49 %	17.02 %
Tier 2 Capital	3.67 %	2.12 %	2.29 %
Tier I Capital	16.86 %	16.37 %	14.73 %
NBFC
Cost of Borrowing	4.3 %	4.78 %	4.92 %
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	1.34	1.25	0.86
P/E	6.96	15.67	8.03
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 43.93 Corporate Banking 34.43 Treasury Operations 19.97 Corporate/Wholesale Banking 0 Others 1.67	Segment Break-Up Corporate Banking 0 Corporate Banking 50.06 Treasury Operations 0 Consumer Finance 0 Others 49.94	Segment Break-Up Corporate Banking 0 Corporate Banking 20.35 Treasury Operations 0 Consumer Finance 0 Others 79.65
Loan Break-Up	Loan Break-Up Corporate 37.97 Retail 27.04 MSME Sector 20.17 Agricultural 14.82 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 MSME Advances 0 Agriculture Advances 0 MSME Sector 0 Services 16.65 Corporate Advances 0 Agricultural 0 Retail 0 Corporate 0 Priority Sector 0.93 Retail Advances 0 Industrial & Commercial 11.57 Personal Loan 57.66 Agricultural 13.19	Loan Break-Up Small & Medium Enterprises (SME) loans 20.42 Agricultural Loan 18.08 MSME Sector 0 Services 0 Corporate Banking 33.1 Agricultural 0 Retail 0 Corporate 0 0 Consumer Finance 28.4 Industry 0 Personal Loans 0 Agriculture and allied activities 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 5.93 India 94.07	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 53.74 Treasury 23.88 Retail Banking 22.37 Corporate/Wholesale Banking 0 Others 0.01	Operating Profit Break-Up Retail Banking 14.25 Corporate & Wholesale Banking 0 Corporate/Wholesale Banking 29.6 Treasury 55.63 Others 0.52	-
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 0 Reserve Bank of India 16.39 Borrowings outside India 1.57 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 0 Upper Tier II Bonds 0 Subordinated Debt Bonds 0 Borrowings Outside India 0 Infra Bonds 0 Others 82.04	Borrowings Break-Up 0 Reserve Bank of India 55.01 Borrowings outside India 0 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 14.99 Upper Tier II Bonds 0 Subordinated Debt Bonds 0 Borrowings Outside India 0 Infra Bonds 0 Others 30.0
NPA Break-Up	NPA Break-Up Agricultural 70.49 Micro, Small and Medium Enterprises 22.2 Retail 4.64 Large Industries 2.68 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0	NPA Break-Up Medium 0 Services 35.18 Retail 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Priority Sector 2.03 Corporate 0 Large Industries 0 MSME 0 Industrial & Commercial 0.57 Personal Loan 11.67 Others 0 Agricultural 50.55	NPA Break-Up Medium 0 Services 0 Retail 10.84 Agricultural 0 Micro, Small and Medium Enterprises 0 0 Corporate 14.96 Large Industries 0 MSME Sector 34.53 Industry 0 Personal Loans 0 Others 0 Agriculture and allied activities 0 Others 39.67
NPA Break-Up	NPA Break-Up Agricultural 70.49 Micro, Small and Medium Enterprises 22.2 Retail 4.64 Large Industries 2.68 Medium 0 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0	NPA Break-Up Medium 0 Services 35.18 Retail 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Priority Sector 2.03 Corporate 0 Large Industries 0 MSME 0 Industrial & Commercial 0.57 Personal Loan 11.67 Others 0 Agricultural 50.55	NPA Break-Up Medium 0 Services 0 Retail 10.84 Agricultural 0 Micro, Small and Medium Enterprises 0 0 Corporate 14.96 Large Industries 0 MSME Sector 34.53 Industry 0 Personal Loans 0 Others 0 Agriculture and allied activities 0 Others 39.67
Asset Break-Up	Asset Break-Up CORPORATE/ WHOLESALE BANKING 34.2 RETAIL BANKING 30.81 TREASURY 30.33 Others 4.66	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 RETAIL BANKING 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 RETAIL BANKING 0 Others 100

Bank Of Maharashtra

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