Bank Of Maharashtra benchmarking: Perfomance to industry peers

Financial

	Bank of Maharashtra	UCO Bank	CentralBank of India
Operational Metrics
Banks
Net Interest Margin	3.88 %	3.08 %	2.96 %
Yield On Advances	8.92 %	8.06 %	8.15 %
Gross NPA	1.6 %	2.41 %	2.7 %
Net NPA	0.15 %	0.36 %	0.45 %
CASA Ratio	49.54 %	38.41 %	47.13 %
CASA vs Liabilities	40.52 %	31.46 %	39.92 %
Credit Deposit Ratio	85.03 %	78.56 %	70.18 %
Cost To Income Ratio	37.19 %	52.2 %	57.84 %
Fresh Slippages - Quarterly	749.0 Crs	452.0 Crs	658.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.06 %	17.43 %	16.13 %
Tier 2 Capital	3.11 %	2.02 %	2.26 %
Tier I Capital	13.95 %	15.41 %	13.87 %
NBFC
Cost of Borrowing	4.1 %	4.48 %	4.77 %
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	1.41	1.15	0.83
P/E	7.28	14.35	6.74
Shareholdings
Promoter Holding	73.6 %	90.95 %	89.27 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-17.37 %	-4.44 %	-3.81 %
Change in Mutual Fund Holding (3 Yrs)	5.06 %	0.12 %	0.1 %

Business

	Bank of Maharashtra	UCO Bank	CentralBank of India
Loan Break-Up	Loan Break-Up Corporate 36.52 Retail 30.9 MSME Sector 18.96 Agricultural 13.62 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 Services 18.51 Retail 0 Industrial & Commercial 12.8 MSME Sector 0 MSME Advances 0 Agricultural 0 Corporate 0 Agriculture Advances 0 Retail Advances 0 Corporate Advances 0 Priority Sector 1.33	Loan Break-Up Personal Loans 0 Agriculture and allied activities 0 Services 0 Retail 0 Industry 0 MSME Sector 0 Small & Medium Enterprises (SME) loans 20.81 Agricultural 0 Corporate 0 Agricultural Loan 18.29 Consumer Finance 29.87 Corporate Banking 31.02 0 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 40.68 Corporate Banking 30.94 Treasury Operations 16.74 Corporate/Wholesale Banking 0 Others 11.64	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 36.64 Others 63.36	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 24.35 Others 75.65
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 5.64 India 94.31 Others 0.05	Location Wise Break-Up Rest of the World 0 India 100.0
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 Corporate & Wholesale Banking 0 Retail Banking 25.15 Corporate/Wholesale Banking 26.2 Treasury 48.28 Others 0.37	-
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 0 Reserve Bank Of India 0 0 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 17.43 Innovative Perpetual Debt Instrument 0 Infrastructure Bonds 0 Borrowings outside India 1.04 Subordinated Debt 0 Upper Tier II Bonds 0 Borrowings Outside India 0 Others 81.53	Borrowings Break-Up 0 Reserve Bank Of India 0 0 Unsecured Redeemable NC Basel III 9.17 Unsecured Redeemable Bonds 0 Reserve Bank of India 40.75 Innovative Perpetual Debt Instrument 0 Infrastructure Bonds 0 Borrowings outside India 0 Subordinated Debt 0 Upper Tier II Bonds 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 Medium 0 Personal Loan 8.4 Agricultural 55.33 Micro, Small and Medium Enterprises 0 Services 35.31 MSME 0 Retail 0 Industrial & Commercial 0.08 Agricultural 0 Corporate 0 Large Industries 0 Others 0 Priority Sector 0.88	NPA Break-Up Medium 0 Personal Loans 0 Agriculture and allied activities 0 Micro, Small and Medium Enterprises 0 Services 0 MSME Sector 39.32 Retail 11.09 Industry 0 Agricultural 0 Corporate 10.81 Large Industries 0 Others 0 0 Others 38.78
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 Medium 0 Personal Loan 8.4 Agricultural 55.33 Micro, Small and Medium Enterprises 0 Services 35.31 MSME 0 Retail 0 Industrial & Commercial 0.08 Agricultural 0 Corporate 0 Large Industries 0 Others 0 Priority Sector 0.88	NPA Break-Up Medium 0 Personal Loans 0 Agriculture and allied activities 0 Micro, Small and Medium Enterprises 0 Services 0 MSME Sector 39.32 Retail 11.09 Industry 0 Agricultural 0 Corporate 10.81 Large Industries 0 Others 0 0 Others 38.78
Asset Break-Up	Asset Break-Up RETAIL BANKING 35.69 CORPORATE/ WHOLESALE BANKING 32.4 TREASURY 26.98 Others 4.93	Asset Break-Up RETAIL BANKING 0 TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 Others 100	Asset Break-Up RETAIL BANKING 0 TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 Others 100

Bank Of Maharashtra

Bank Of Maharashtra

Financial

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