Bank Of Maharashtra benchmarking: Performance to industry peers

Financial

	Bank of Maharashtra	Indian Overseas Bank	Bank Of India
Operational Metrics
Banks
Net Interest Margin	3.91 %	3.33 %	2.58 %
Yield On Advances	8.72 %	8.89 %	7.59 %
Gross NPA	1.45 %	1.42 %	1.98 %
Net NPA	0.13 %	0.21 %	0.56 %
CASA Ratio	52.51 %	40.99 %	37.64 %
CASA vs Liabilities	43.07 %	32.32 %	29.71 %
Credit Deposit Ratio	83.28 %	84.31 %	83.19 %
Cost To Income Ratio	36.51 %	44.02 %	49.44 %
Fresh Slippages - Quarterly	839.0 Crs	366.0 Crs	1269.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.36 %	19.78 %	18.01 %
Tier 2 Capital	2.95 %	2.84 %	2.65 %
Tier I Capital	15.41 %	16.94 %	15.36 %
NBFC
Cost of Borrowing	3.95 %	4.9 %	4.49 %
Financials
5 yr Average ROE	20.49 %	12.26 %	10.56 %
5yr average Equity Multiplier	14.92	12.73	13.22
5yr Average Asset Turnover Ratio	0.08	0.08	0.07
5yr Avg Net Profit Margin	15.98 %	10.05 %	9.63 %
5yr Avg Net Profit Margin	15.98 %	10.05 %	9.63 %
5yr CAGR Net Profit	43.49 %	25.95 %	24.16 %
5yr CAGR Sales	15.93 %	11.77 %	13.1 %
5 yr CAGR PPOP	17.43 %	12.18 %	11.45 %
Price to Book	2.05	1.79	0.73
P/E	9.73	12.25	6.39
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)	6.04 %	0.12 %	1.74 %

Business

	Bank of Maharashtra	Indian Overseas Bank	Bank Of India
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 Corporate 15.91 Personal 0 Textiles 0 Retail 29.34 NBFC 0 Roads and Ports 0 Construction 0 Home 0 Rubber, Plastic & their products 0 Gems & Jeweler 0 Mortgage 0 Education 0 Infrastructure 0 0 Realestate 0 Power 0 Telecom 0 Auto 0 Chemicals & Chemical products 0 Basic Metal & Metal products 0 Agricultural 0 MSME Sector 0 Others 54.75	Loan Break-Up Corporate 0 Personal 0 Textiles 2.37 Retail 0 NBFC 28.13 Roads and Ports 0 Construction 1.43 Home 0 Rubber and plastics 1.52 Gems & Jewelry 1.07 Mortgage 0 Education 0 Infrastructure 19.04 Automobiles 0.75 Real Estate 35.67 Power 0 Telecom 0 Auto 0 Chemicals 2.33 Metals 7.69 Agricultural 0 MSME Sector 0
Segment Break-Up	Segment Break-Up Consumer Finance 44.78 Corporate Banking 33.77 Treasury Operations 20.39 Corporate / Wholesale Banking 0 Retail Banking Operations 0 Wholesale Banking Operations 0 Treasury Operations 0 Others 1.06	Segment Break-Up Retail Banking Operations 0 Wholesale Banking Operations 0 Corporate Banking 30.49 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 69.51	Segment Break-Up Consumer Finance 39.24 Corporate Banking 35.98 Corporate / Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 23.18 Others 1.6
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 87.95 Rest of the World 12.05
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 Corporate Banking 37.11 Treasury Operations 15.24 Corporate & Wholesale Banking 0 Consumer Finance 45.43 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 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 & Agencies 48.78 0 Borrowings outside India 33.51 Infrastructure Bonds 0 Other Institutions and Agencies 0 0 Reserve Bank Of India 0 0 Subordinated Debt 5.13 Borrowings outside India 0 Others 7.97	Borrowings Break-Up RBI 0 Other Institutions & Agencies 0 0 Borrowings Outside India 0 Infrastructure Bonds 0 Other Institutions and Agencies 53.16 Reserve Bank of India 24.22 Reserve Bank Of India 0 0 Subordinated Debt 0 Borrowings outside India 19.31 Others 3.31
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 Overseas 0 Corporate 0 MSME 0 Agri 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Others 0.01	NPA Break-Up Corporate 2.65 Large Corporate 0 Agricultural 26.01 RETAIL 0 AGRICULTURE 0 Large Industries 0 Medium 0 Retail 12.0 Overseas 31.93 MSME Sector 27.41 Agricultural 0 Micro, Small and Medium Enterprises 0	NPA Break-Up Corporate 0 Large Corporate 0 Agri 0 Retail 8.77 Agricultural 43.16 Large Industries 0 Medium 0 Retail 0 Overseas 0 MSME 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Others 48.07
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 Overseas 0 Corporate 0 MSME 0 Agri 0 RETAIL 0 AGRICULTURE 0 Large Corporate 0 Others 0.01	NPA Break-Up Corporate 2.65 Large Corporate 0 Agricultural 26.01 RETAIL 0 AGRICULTURE 0 Large Industries 0 Medium 0 Retail 12.0 Overseas 31.93 MSME Sector 27.41 Agricultural 0 Micro, Small and Medium Enterprises 0	NPA Break-Up Corporate 0 Large Corporate 0 Agri 0 Retail 8.77 Agricultural 43.16 Large Industries 0 Medium 0 Retail 0 Overseas 0 MSME 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Others 48.07
Asset Break-Up	Asset Break-Up RETAIL BANKING 35.17 CORPORATE/ WHOLESALE BANKING 33.14 TREASURY 28.25 Others 3.44	-	-

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