Bank Of Maharashtra benchmarking: Performance to industry peers

Financial

	Bank of Maharashtra	Bank Of India	Indian Overseas Bank
Operational Metrics
Banks
Net Interest Margin	3.91 %	2.58 %	3.33 %
Yield On Advances	8.72 %	7.59 %	8.89 %
Gross NPA	1.45 %	1.98 %	1.42 %
Net NPA	0.13 %	0.56 %	0.21 %
CASA Ratio	52.51 %	37.64 %	40.99 %
CASA vs Liabilities	43.07 %	29.71 %	32.32 %
Credit Deposit Ratio	83.28 %	83.19 %	84.31 %
Cost To Income Ratio	36.51 %	49.44 %	44.02 %
Fresh Slippages - Quarterly	839.0 Crs	1269.0 Crs	366.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.36 %	18.01 %	19.78 %
Tier 2 Capital	2.95 %	2.65 %	2.84 %
Tier I Capital	15.41 %	15.36 %	16.94 %
NBFC
Cost of Borrowing	3.95 %	4.49 %	4.9 %
Financials
5 yr Average ROE	16.73 %	9.05 %	10.66 %
5yr average Equity Multiplier	15.54	13.53	13.38
5yr Average Asset Turnover Ratio	0.07	0.07	0.08
5yr Avg Net Profit Margin	12.49 %	8.1 %	7.85 %
5yr Avg Net Profit Margin	12.49 %	8.1 %	7.85 %
5yr CAGR Net Profit	57.52 %	35.6 %	34.96 %
5yr CAGR Sales	14.4 %	10.99 %	8.48 %
5 yr CAGR PPOP	18.66 %	9.98 %	8.49 %
Price to Book	1.82	0.71	1.75
P/E	8.6	6.19	11.98
Shareholdings
Promoter Holding	73.6 %	73.38 %	92.44 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-17.37 %	-8.03 %	-3.94 %
Change in Mutual Fund Holding (3 Yrs)	6.04 %	1.74 %	0.12 %

Business

	Bank of Maharashtra	Bank Of India	Indian Overseas Bank
Loan Break-Up	Loan Break-Up Corporate 37.16 Retail 30.04 MSME Sector 18.73 Agricultural 14.07 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 Construction 1.12 MSME Sector 0 Automobiles 0.59 Home 0 Chemicals 2.34 NBFC 20.41 Telecom 0 Mortgage 0 Infrastructure 14.19 Roads and Ports 0 Rubber and plastics 1.12 Metals 6.12 Agricultural 0 Power 0 Corporate 0 Gems & Jewelry 0.82 Textiles 1.78 Personal 0 Real Estate 24.7 Auto 0 Retail 0 Education 0 Others 26.81	Loan Break-Up Construction 0 MSME Sector 0 0 Home 0 Chemicals & Chemical products 0 NBFC 0 Telecom 0 Mortgage 0 Infrastructure 0 Roads and Ports 0 Rubber, Plastic & their products 0 Basic Metal & Metal products 0 Agricultural 0 Power 0 Corporate 15.91 Gems & Jeweler 0 Textiles 0 Personal 0 Realestate 0 Auto 0 Retail 29.34 Education 0 Others 54.75
Segment Break-Up	Segment Break-Up Consumer Finance 44.78 Corporate Banking 33.77 Treasury Operations 20.39 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Corporate / Wholesale Banking 0 Others 1.06	Segment Break-Up Consumer Finance 0 Treasury Operations 26.41 Corporate Banking 0 Corporate / Wholesale Banking 0 Consumer Finance 38.54 Corporate Banking 34.32 Others 0.73	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 30.49 Retail Banking Operations 0 Wholesale Banking Operations 0 Others 69.51
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 88.4 Rest of the World 11.6	Location Wise Break-Up India 96.74 Rest of the World 3.26
Operating Profit Break-Up	Operating Profit Break-Up Corporate & Wholesale Banking 44.54 Retail Banking 39.6 Treasury 12.8 Corporate / Wholesale Banking 0 Others 3.06	-	Operating Profit Break-Up Consumer Finance 45.43 Treasury Operations 15.24 Corporate & Wholesale Banking 0 Corporate Banking 37.11 Others 2.22
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 Other Institutions and Agencies 0 Borrowings outside India 0 0 RBI 0 Subordinated Debt 0 Other Institutions & Agencies 0 Others 64.65	Borrowings Break-Up Borrowings outside India 19.31 Subordinated Debt 0 Reserve Bank Of India 0 Reserve Bank of India 24.22 Infrastructure Bonds 0 0 Other Institutions & Agencies 0 0 Borrowings Outside India 0 Other Institutions and Agencies 53.16 RBI 0 Others 3.31	Borrowings Break-Up Borrowings outside India 0 Subordinated Debt 5.13 Reserve Bank Of India 0 0 Infrastructure Bonds 0 0 Other Institutions & Agencies 48.78 0 Borrowings outside India 33.51 Other Institutions and Agencies 0 RBI 4.61 Others 7.97
NPA Break-Up	NPA Break-Up Agricultural 73.1 Micro, Small and Medium Enterprises 19.38 Retail 5.46 Large Industries 2.05 Medium 0 RETAIL 0 AGRICULTURE 0 MSME 0 Large Corporate 0 Overseas 0 Corporate 0 Agri 0 Others 0.01	NPA Break-Up Agricultural 43.16 Corporate 0 Overseas 0 Large Industries 0 MSME 0 Agri 0 Large Corporate 0 Agricultural 0 Retail 8.77 Medium 0 Micro, Small and Medium Enterprises 0 Retail 0 Others 48.07	NPA Break-Up AGRICULTURE 0 Corporate 2.65 Overseas 31.93 Large Industries 0 MSME Sector 27.41 Agricultural 26.01 Large Corporate 0 Agricultural 0 RETAIL 0 Medium 0 Micro, Small and Medium Enterprises 0 Retail 12.0
NPA Break-Up	NPA Break-Up Agricultural 73.1 Micro, Small and Medium Enterprises 19.38 Retail 5.46 Large Industries 2.05 Medium 0 RETAIL 0 AGRICULTURE 0 MSME 0 Large Corporate 0 Overseas 0 Corporate 0 Agri 0 Others 0.01	NPA Break-Up Agricultural 43.16 Corporate 0 Overseas 0 Large Industries 0 MSME 0 Agri 0 Large Corporate 0 Agricultural 0 Retail 8.77 Medium 0 Micro, Small and Medium Enterprises 0 Retail 0 Others 48.07	NPA Break-Up AGRICULTURE 0 Corporate 2.65 Overseas 31.93 Large Industries 0 MSME Sector 27.41 Agricultural 26.01 Large Corporate 0 Agricultural 0 RETAIL 0 Medium 0 Micro, Small and Medium Enterprises 0 Retail 12.0
Asset Break-Up	Asset Break-Up RETAIL BANKING 35.17 CORPORATE/ WHOLESALE BANKING 33.14 TREASURY 28.25 Others 3.44	-	-

Bank Of Maharashtra

Bank Of Maharashtra

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