Bank Of Maharashtra benchmarking: Perfomance to industry peers

Financial

	Bank of Maharashtra	UCO Bank	CentralBank of India
Operational Metrics
Banks
Net Interest Margin	3.85 %	2.9 %	2.89 %
Yield On Advances	9.19 %	8.06 %	8.36 %
Gross NPA	1.72 %	2.56 %	3.01 %
Net NPA	0.18 %	0.43 %	0.48 %
CASA Ratio	50.35 %	38.11 %	46.83 %
CASA vs Liabilities	41.74 %	31.53 %	41.35 %
Credit Deposit Ratio	82.03 %	75.47 %	64.35 %
Cost To Income Ratio	37.1 %	52.79 %	62.72 %
Fresh Slippages - Quarterly	710.0 Crs	629.0 Crs	733.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.13 %	17.89 %	17.34 %
Tier 2 Capital	3.17 %	1.99 %	2.36 %
Tier I Capital	14.96 %	15.9 %	14.98 %
NBFC
Cost of Borrowing	4.32 %	4.57 %	4.88 %
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	1.4	1.2	0.87
P/E	7.2	14.97	7.29
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)	0.98 %	0.11 %	0.11 %

Business

	Bank of Maharashtra	UCO Bank	CentralBank of India
Loan Break-Up	Loan Break-Up Corporate 37.59 Retail 30.89 MSME Sector 18.38 Agricultural 13.13 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 Others 0.01	Loan Break-Up MSME Sector 0 Industrial & Commercial 12.8 Services 18.51 Retail 0 Priority Sector 1.33 MSME Advances 0 Agriculture Advances 0 Agricultural 0 Personal Loan 52.23 Agricultural 15.13 Corporate Advances 0 Retail Advances 0 Corporate 0	Loan Break-Up MSME Sector 0 Industry 0 Services 0 Retail 0 0 Small & Medium Enterprises (SME) loans 21.54 Agricultural Loan 19.26 Agricultural 0 Personal Loans 0 Agriculture and allied activities 0 Corporate Banking 28.46 Consumer Finance 30.74 Corporate 0
Segment Break-Up	Segment Break-Up Consumer Finance 43.34 Corporate Banking 33.19 Treasury Operations 22.59 Corporate/Wholesale Banking 0 Others 0.88	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Corporate Banking 34.94 Others 65.06	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Corporate Banking 21.72 Others 78.28
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 93.9 Rest of the World 6.1	Location Wise Break-Up India 100.0 Rest of the World 0
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 Treasury 44.14 Retail Banking 28.09 Corporate & Wholesale Banking 0 Corporate/Wholesale Banking 27.29 Others 0.48	-
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 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Upper Tier II Bonds 0 Reserve Bank of India 17.43 Borrowings Outside India 0 Unsecured Redeemable NC Basel III 0 Infrastructure Bonds 0 0 Subordinated Debt 0 0 Borrowings outside India 1.04 Others 81.53	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 Reserve Bank Of India 0 Upper Tier II Bonds 0 Reserve Bank of India 40.75 Borrowings Outside India 0 Unsecured Redeemable NC Basel III 9.17 Infrastructure Bonds 0 0 Subordinated Debt 0 0 Borrowings outside India 0 Others 50.08
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 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0	NPA Break-Up Others 0 Industrial & Commercial 0.08 Large Industries 0 Services 35.31 Retail 0 Priority Sector 0.88 Agricultural 0 Medium 0 Personal Loan 8.4 Micro, Small and Medium Enterprises 0 Agricultural 55.33 MSME 0 Corporate 0	NPA Break-Up Others 0 Industry 0 Large Industries 0 Services 0 Retail 10.69 0 Agricultural 0 Medium 0 Personal Loans 0 Micro, Small and Medium Enterprises 0 Agriculture and allied activities 0 MSME Sector 36.55 Corporate 14.49 Others 38.27
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 Others 0 Industry 0 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Corporate 0 MSME 0	NPA Break-Up Others 0 Industrial & Commercial 0.08 Large Industries 0 Services 35.31 Retail 0 Priority Sector 0.88 Agricultural 0 Medium 0 Personal Loan 8.4 Micro, Small and Medium Enterprises 0 Agricultural 55.33 MSME 0 Corporate 0	NPA Break-Up Others 0 Industry 0 Large Industries 0 Services 0 Retail 10.69 0 Agricultural 0 Medium 0 Personal Loans 0 Micro, Small and Medium Enterprises 0 Agriculture and allied activities 0 MSME Sector 36.55 Corporate 14.49 Others 38.27
Asset Break-Up	Asset Break-Up RETAIL BANKING 35.69 CORPORATE/ WHOLESALE BANKING 32.4 TREASURY 26.98 Others 4.93	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

Bank Of Maharashtra

Bank Of Maharashtra

Financial

Business

SIGN UP FOR FREE