Introducing 

Prezi AI.

Your new presentation assistant.

Refine, enhance, and tailor your content, source relevant images, and edit visuals quicker than ever before.

Loading content…
Loading…
Transcript

Bank of Maharastra

EARNINGS PERFORMANCE

Q4FY20

NII

PREVIOUS PERIOD

CURRENT PERIOD

1000

1023

+2.26%

NII

NII

Bank of Maharashtra's consolidated Net Interest Income (NII) increased by 2.26% at Rs. 1,022.77 Crs

If we look at the specific consolidated revenue segments of the bank, treasury operations grew by 5.32%, Retail banking revenue de-grew by 2.22%, Corporate/ wholesale banking revenue de-grew by 3.32%, and other banking operations revenue grew by 26.91% on YoY basis.

BALANCE SHEET

Balance Sheet

Balance sheet :

Deposits grew at 6.69% whereas advances grew by 5.09% respectively on a YoY basis. CASA ratio stood at 50.29%.

Ratios :

Capital Adequacy Ratio (Basel III) as on March 31, 2020 improved and stood at 13.52% as compared to 11.86% as on March 31, 2019. CET 1 ratio of 10.67% is well above regulatory minimum and the bank is comfortable with this ratio and said that it reflects ability to comfortably raise capital through various avenues.

PAT

PREVIOUS PERIOD

CURRENT PERIOD

-20.08%

58

72

PAT

PAT

Reported a consolidated net profit of Rs. 57.59 Crs vs. Rs. 72.06 Crs year-ago on account of jump in provision and contingencies for the quarter on account of COVID-19 Regulatory Package Provision of Rs. 150 Crs.

NIM during the quarter under consideration has deteriorated to 2.41% from 2.64% for period year-ago. Cost to Income Ratio reduced to 57.93% for Q4FY20 vs. 63.83% of Q4FY19.

NNPA%

PREVIOUS PERIOD

CURRENT PERIOD

5.46%

4.77%

-69 bps

NNPA%

NNPA%

Its GNPAs stood at 12.81% in Q4FY20 vs. 16.77% in Q3FY20 which showed improvement in the asset quality decreasing GNPAs by 396bps. The Bank reported NNPA at 4.77%, decrease of 69bps on sequential basis.

The lender has provided provisions and contingencies of Rs. 910.11 Crs as compared to Rs. 414.79 Crs year ago. Provision coverage ratio improved to 83.97% as on March 31, 2020.

SUMMARY

PREVIOUS

CURRENT

1023

1000

BEATS

NII

+2.26%

58

72

-20.08%

MISSES

PAT

4.77%

5.46%

BEATS

NNPA%

-69 BPS

SHAREMARKET IMPACT

Learn more about creating dynamic, engaging presentations with Prezi