#1M 97215 M गा बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक FINANCIAL RESULTS For Quarter/ Half-Year Ended, 30th September, 2023 www.bankofmaharashtra.in OOOO/mahabank 753 Azadi Ka Amrit Mahotsav G20 भारत 2023 INDIA#22 G24 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 1. Contents Macro Economy Highlights Major Highlights 234 2. 3. Business Performance 4. Financial Performance 5 Asset Quality 6. Capital 7. 8. 9. 10. Digital Banking Financial Inclusion Expanding Footprints Other Information M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Page 3 4 5-7 8 - 21 22 - 28 29-30 31-33 34 35 36-38 www.bankofmaharashtra.in f℗ /mahabank#3G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE ப ப Macro Economy Highlights India became the 5th largest economy in the world with Real GDP growth for the first quarter of 2023-24 stood at 7.8 % (y-o-y). As per IMF, India's GDP is expected to grow by 6.3% in FY 23-24 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक CRAR of Scheduled Commercial Banks (%) * 16.8 16.3 14.8 14.2 13.9 14.3 13.7 13.8 The index of industrial production (IIP) rose by 10.3% in Aug 23 on y-o-y basis 13.3 13.0 13.0 GST revenue collection for the first half of FY 2023-24 which is Rs. 9.9 lakh crore marking 11% Y-o-Y growth As per RBI, CPI inflation is projected at 5.4 per cent for 2023-24. 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Gross And Net NPAs of Scheduled Commercial Banks - Bank Group-wise (bn) * 12.0 3 Pent-up demand and festival season is all set to add cheers for spending in retail, electronic and Automobile sector. 140,000 120,000 Forex Reserve stood at 586.91 billion USD; showing comfortable position for meeting external payment obligations. I 100,000 1 I 80,000 Landmark initiatives under India's G-20 presidency: An India-Middle East-Europe economic corridor was announced that will enhance connectivity and economic integration across continents. ⚫ The Global Biofuels Alliance (GBA) was launched with the goal of driving the development and deployment of these fuels across the world to sustain energy transition to a zero-emissions environment. * Source: RBI Database 60,000 40,000 20,000 10.0 8.0 00 6.0 4.0 2.0 0.0 2013 2014 2012 Gross Advances Gross NPA % of Gross Advances 2015 2016 2017 2018 2019 2020 2021 2022 Net Advances -Net NPA % of Net Advances www.bankofmaharashtra.in fP /mahabank#44 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital (Y-o-Y) (Q: Sept` 23 vis-à-vis Q: Sept` 22) Net Profit Operating Profit NIM % Return on Assets Increased by 71.90 % Increased by 31.37% I 3.89 (3.55) 1.37 (0.92) M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Total Business Increased by 22.77% Total Deposits Savings Deposits Current Deposits Gross Advances Agri. Advances Increased by 22.18 % ¦ Increased by 7.49 % Increased by 20.68 % Increased by 23.55 % ¦ Increased by 30.39 % MSME Advances Retail Advances Gross NPA Net NPA PCR Increased by 25.80% ¦ Increased by 20.37% 2.19 (3.40) 0.23 (0.68) Improved to 98.40% www.bankofmaharashtra.in f P /mahabank#5G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE LO 5 Major Highlights Business Performance Financial Performance Asset Quality Capital (* in Crore) 450,000 400,000 365,398 344,065 350,000 300,000 250,000 200,000 150,000 100,000 50,000 Total Business M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (%) Last 5 Quarters 22.77% (Y-0-Y) 100 420,041 422,420 409,202 Sept 22 Dec 22 Mar 23 Gross Advances 148,216 156,962 175,120 Jun 23 175,676 Sept 23 183,122 Total Deposit 195,849 208,436 234,083 244,365 239,298 Total Business 344,065 365,398 409,202 420,041 422,420 C/D Ratio (%) 75.68 75.30 74.81 71.89 76.52 www.bankofmaharashtra.in fP 95 90 85 80 75 15 70 70 99 65 60 60 /mahabank#6G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE (* in Crore) 140,000 Major Highlights Business Performance Financial Performance Asset Quality Capital CASA Deposit Last 5 Quarters 10.1 % (Y-0-Y) 120,000 110,205 109,430 100,000 80,000 60,000 40,000 20,000 124,961 124,547 121,337 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Gross Advances (%) (* in Crore) Last 5 Quarters 23.55 % (Y-0-Y) (%) 100 200,000 100 183,122 90 175,120 175,676 90 180,000 90 00 156,962 50 160,000 80 148,216 80 140,000 70 70 120,000 70 60 0 100,000 50 60 80,000 60 40 40 60,000 50 50 30 40,000 40 40 20 20 20,000 10 30 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Retail Sector 38,590 40,312 43,433 44,952 46,449 0 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Agriculture Sector 19,014 19,662 23,400 23,637 24,792 Current Deposits 21,849 21,515 28,301 28,270 26,367 MSME Sector 28,647 30,517 33,244 33,740 36,037 Savings Deposit 88,355 87,914 96,660 96,277 94,970 Corporate & Others 61,965 66,471 75,044 73,347 75,843 O-CASA 110,205 109,430 124,961 Gross Advances 124,547 121,337 148,216 156,962 175,120 175,676 183,122 CASA % 56.27 52.50 53.38 50.97 50.71 RAM (%) 58.19 57.65 57.15 58.25 58.58 www.bankofmaharashtra.in fP /mahabank#7G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital 80,000 (in Crore) 70,731 68,116 70,000 60,000 50,000 40,000 30,000 20,000 10,000 Investments M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (Quarterly) 72,379 70,490 69,215 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 HFT 24 0 0 1 503 AFS 21,172 17,967 17,371 20,496 16,942 HTM 49,534 50,149 51,844 51,883 53,045 Gross Investment 70,731 68,116 69,215 72,379 70,490 7 www.bankofmaharashtra.in fP in /mahabank#8G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 8 Major Highlights Business Performance Financial Performance Asset Quality Capital Profitability M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) 2,500 Operating Profit 31.37% (Y-0-Y) (Quarterly) (in Crore) Net Profit 71.90% (Y-0-Y) (Quarterly) 1,000 2,000 1,855 1,863 1,920 920 882 840 775 800 1,580 1,462 1,500 600 1,162 1,179 1,202 1,000 535 452 355 400 325 500 200 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 (* in Crore) Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Operating Profit 42.05 % (Y-o-Y) (Half-Yearly) (* in Crore) 3,784 2,000 1,600 2,664 2,506 1,200 4,000 3,200 2,400 1,600 1,410 1,512 800 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 800 Net Profit 82.57% (Y-0-Y) (Half-Yearly) 1,802 472 400 196 231 987 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 www.bankofmaharashtra.in fP /mahabank#99 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Profitability M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) 3,000 NET Interest Income 28.88% (Y-0-Y) (Quarterly) (%) NIM % (Quarterly) 5.0 2,340 2,432 3.78 3.86 3.89 2,400 2,187 4.0 3.55 3.60 1,980 3.28 1,887 3.11 3.17 1,800 1,612 1,686 3.0 1,527 1,200 2.0 600 1.0 0.0 00 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 (* in Crore) 5,000 NET Interest Income 33.56% (Y-o-Y) (Half-Yearly) (%) 4,772 5.0 4,000 3,573 2,905 3,000 2,208 2,070 2,000 2.0 1,000 1.0 10 NIM % (Half-Yearly) 3.88 4.0 3.41 3.16 2.68 3.0 2.57 Sept 19 0.0 Sept 20 00 Sept 21 Sept 22 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 www.bankofmaharashtra.in f P /mahabank#1010 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Statement of Income and Expenditure M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Quarter Ended Half-Year ended Year Ended Particulars Sept 22 Jun 23 Sept 23 Y-0-Y (%) Sept 22 Sept 23 Y-0-Y (%) Mar 23 Total Income 4,317 5,417 5,736 33 8,092 11,153 38 18,179 Interest Income 3,815 4,789 5,068 33 7,273 9,857 36 15,898 Non-Interest Income 502 629 668 33 819 1,296 58 2,280 Total Expenses 2,855 3,554 3,815 34 5,428 7,369 36 12,080 Interest Expenses 1,928 2,449 2,636 37 3,700 5,085 37 8,158 Operating Expenses 927 1,105 1,179 27 1,728 2,285 32 3,922 Operating Profit 1,462 1,863 1,920 31 2,664 3,784 42 6,099 Provision & Contingencies 579 776 985 70 1,128 other than taxes 0 1,761 56 2,654 Provision for Taxes 348 205 16 (95) 549 221 (60) 843 [Net of DTA] Net Profit 535 882 920 22 72 987 1,802 83 2,602 www.bankofmaharashtra.in fP /mahabank#1111 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital (* in Crore) 6,000 Interest Earnings (Quarterly) (* in Crore) 12,000 5,068 5,000 4,789 4,495 4,129 4,000 3,815 3,426 3,457 3,282 3,000 2,000 1,000 10,000 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 8,000 7,273 6,311 6,000 5,673 5,764 4,000 2,000 (Half-Yearly) 9,857 Interest on Advances Interest on Investment Other Interest Income Total Interest Income 2,232 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 2,106 2,410 2,662 3,046 Sep 23 3,368 3,673 3,864 1,104 1,075 73 3,282 119 3,426 1,001 47 28 3,457 3,815 1,125 1,043 1,097 1,082 1,169 40 4,129 30 4,495 34 4,789 34 5,068 Interest on Advances Interest on Investment Other Interest Income Total Interest Income Sept 19 3,139 Sept 20 Sept 21 Sept 22 Sept 23 3,399 3,894 5,071 7,537 2,116 2,048 2,206 2,126 2,252 418 317 211 75 68 5,673 5,764 6,311 7,273 9,857 www.bankofmaharashtra.in fP /mahabank#1212 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Non-Interest Income M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Quarter Ended Half-Year ended Year Ended Particulars Sept 22 Jun 23 Sept 23 Y-0-Y (%) Sept 22 Sept 23 Y-0-Y (%) Mar 23 Comm. from Advances 134 150 175 31 240 325 36 545 Other Commissions 172 178 204 19 347 382 10 764 Fee Based Income Net Profit on Investment 22 Net profit from FEX Treasury Income 306 328 379 24 587 707 20 20 1,309 50 50 51 137 (113) 102 (103) 14 12 12 (16) 56 56 23 (59) 78 36 62 62 63 77 (56) 5909 125 (25) Recovery in written off accounts 148 231 216 46 46 266 447 68 88 943 Other Miscellaneous Income 12 7 10 (22) 22 22 17 (24) 53 Total Non-Interest Income 502 629 668 33 819 1,296 58 2,280 www.bankofmaharashtra.in fP /mahabank#1313 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital (* in Crore) 3,000 Interest Expenses (Quarterly) (in Crore) 6,000 2,636 2,449 2,500 2,308 5,000 2,149 1,928 2,000 1,814 1,755 1,772 1,500 1,000 500 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 4,000 3,700 3,603 3,556 3,405 3,000 2,000 1,000 (Half-Yearly) 5,085 Other Interest Expenses Interest on Deposits Dec 21 Mar 22 145 179 1,610 1,635 264 311 1,664 Total Interest Expenses 1,755 1,814 1,772 1,928 1,838 2,149 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 130 164 1,642 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 267 2,042 2,285 2,474 2,308 2,449 2,636 162 Other Interest Expenses Interest on Deposits Total Interest Expenses 203 247 192 394 326 3,400 3,308 3,213 3,306 4,759 3,603 3,556 3,405 3,700 5,085 www.bankofmaharashtra.in fP /mahabank#1414 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital (* in Crore) 1,250 976 1,000 955 750 500 250 801 Operating Expenses (Quarterly) (in Crore) 1,179 1,154 1,105 1,040 927 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (Half-Yearly) Operating Expenses 2500 2000 1,512 1,475 1500 1000 500 1,918 1,728 2,285 0 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 Staff Expenses 524 482 390 467 606 595 666 676 Staff Expenses 827 937 1,064 857 1,341 Other Operating Expenses 451 473 411 460 434 558 440 503 Other Operating Expenses 648 575 854 872 943 Total Operating Expenses 976 955 801 927 1,040 1,154 1,105 1,179 Total Operating Expenses 1,475 1,512 1,918 1,728 2,285 www.bankofmaharashtra.in fP /mahabank#1515 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Other Operating Expenses Quarter Ended Half-Year ended (* in Crore) Year Ended Particulars Sept 22 Jun 23 Sept 23 Y-0-Y (%) Sept 22 Sept 23 Y-0-Y (%) Mar 23 Rent, Taxes & Lighting 63 64 70 12 121 135 11 248 Printing & Stationery 6 LO 5 8 21 11 13 14 26 Advertising & Publicity ང་ 6 6 12 14 13 33 Depreciation on Fixed Assets 59 61 53 (11) 122 114 (6) 262 Audit Fees (incl. branch auditors) 4 3 6 42 12 8 (28) 16 Law Charges 11 13 19 77 30 32 8 59 Postage, Telephone etc. 12 11 11 (9) 27 22 (19) 54 Repairs & Maintenance 52 53 73 41 101 126 25 216 Insurance & Guarantee Fee 59 68 70 19 120 138 15 236 Other Expenditure 187 156 185 (1) 316 341 8 Total Other Operating Exp. 460 440 503 9 872 943 8 713 1,864 www.bankofmaharashtra.in fP /mahabank#1616 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Provisions & Contingencies M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Quarter Ended Half-Year ended (* in Crore) Year Ended Particulars Sept 22 Jun 23 Sept 23 Sept 22 Sept 23 Mar 23 Provision for Non Performing Assets 532 539 597 1,169 1,137 2,253 Provision for Standard/Restructured Assets (66) 212 362 (323) 574 (114) Provision for Non-performing 31 (5) LO 5 217 477 Investment Other provisions (net of write 83 30 21 64 50 38 back) Provision & Contingencies 579 776 985 1,128 1,761 2,654 other than taxes Income Tax [net of DTA & 348 205 16 549 221 843 write back] TOTAL PROVISIONS 927 981 1,001 1,677 1,982 3,497 www.bankofmaharashtra.in fP /mahabank#1717 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Quarterly Cost of Deposits (%) Key Financial Ratios Cost of Funds (%) M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Cost to Income (%) 45.63 44.76 3.93 3.70 4.29 3.61 3.62 39.99 39.69 38.82 38.34 38.04 4.06 3.27 3.32 3.31 37.23 3.95 3.18 3.81 3.69 3.61 3.54 3.46 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Half-Yearly 4.89 4.33 Cost of Deposits (%) Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept`23 Cost of Funds (%) 4.34 4.18 3.75 3.88 3.82 3.50 3.41 3.25 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 51.12 49.94 Cost to Income (%) 43.35 39.35 37.65 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 www.bankofmaharashtra.in f /mahabank#1818 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Quarterly Major Highlights Business Performance Financial Performance Asset Quality Capital Yield on Advances (%) 8.93 8.62 8.49 8.28 7.81 7.43 7.33 7.04 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Half-Yearly Yield on Advances (%) 8.78 7.61 7.35 7.39 7.21 Key Financial Ratios Yield on Funds (%) 7.56 7.24 7.05 6.94 6.55 6.27 6.21 6.12 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 6.83 Yield on Funds (%) 7.40 6.39 6.29 6.32 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Yield on Investments (%) 6.34 6.37 6.36 6.20 6.16 6.18 6.04 5.87 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Yield on Investments (%) 7.33 6.82 6.30 6.36 6.03 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 Sept 19 Sept 20 Sept 21 Sept 22 Sept 23 www.bankofmaharashtra.in fP /mahabank#1919 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Key Financial Ratios Quarterly Return on Assets (%) Return on Equity (%) 26.32 24.41 23.73 23.25 1.30 1.32 1.33 1.37 0.92 0.81 0.60 0.65 18.32 16.75 13.49 13.96 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Earning Per Share (Rs.) (Not Annualized) Book Value Per Share (Rs.) 21.78 22.34 1.25 1.29 1.30 18.87 18.97 1.15 17.36 16.04 15.12 14.30 0.79 0.67 0.53 0.48 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 www.bankofmaharashtra.in fP /mahabank#20G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Assets & Liabilities - An Overview M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Assets Sept 22 Mar 23 Jun 23 (* in Crore) Sept 23 Cash & Balance with RBI 14,483 18,508 21,172 14,221 Balances with Bank & Call Money 29 21 566 543 Total Investments (Net of Depreciation & Provision) 70,184 68,867 72,035 70,179 Total Advances (Net of Provision) 1,44,163 1,71,221 1,72,083 1,79,515 Total Fixed Assets (Net of Depreciation) 2,194 2,157 2,143 2,145 Other Assets 7,955 6,878 6,754 6,582 Total 2,39,009 2,67,651 2,74,754 2,73,184 Liabilities Sept 22 Mar 23 Jun 23 Sept 23 Capital 6,731 6,731 7,081 7,081 Reserves & Surplus Deposits 8,141 8,880 10,411 11,331 1,95,849 2,34,083 2,44,365 2,39,298 Borrowings 22,911 10,766 6,618 8,654 Other Liabilities & Provisions 5,377 7,193 6,278 6,820 Total 2,39,009 2,67,651 2,74,754 2,73,184 20 20 www.bankofmaharashtra.in fP /mahabank#21G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE (* in Crore) Major Highlights Business Performance Financial Performance Asset Quality Capital Credit Portfolio - Balanced Loan Growth M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) Particulars Sept 22 Gross Advances 1,48,216 Jun 23 1,75,676 Sept 23 1,83,122 Growth (Y-0-Y) % RETAIL CREDIT Particulars 23.55 Total Retail Credit Sept 22 38,590 Jun 23 44,952 Sept 23 Growth (Y-o-Y) % 46,449 20.37 of which of which Retail Sector 38,590 44,952 46,449 20.37 Agriculture Sector 19,014 23,637 24,792 30.39 Housing Education 22,891 25,695 26,686 16.58 1,644 1,878 2,033 23.66 MSME Sector 28,647 33,740 36,037 25.80 Total of RAM 86,250 1,02,329 1,07,279 24.38 Vehicle 2,314 Others 11,741 14,979 15,243 2,400 2,487 7.46 29.83 RAM % to Gross Advances 58.19 Corporate & Others 61,965 58.25 73,347 58.58 75,843 22.40 Particulars Retail Sector; 25.37% Total Agriculture Credit of which AGRICULTURE CREDIT Sept 22 Jun 23 19,014 23,637 Sept 23 Growth (Y-o-Y) % 24,792 30.39 Farm Credit 11,776 12,798 13,218 12.25 Corporate & Others; 41.42% (Crop, Investment & Allied) Agri Infrastructure Agri Ancillary Activities 493 6,745 646 10,193 670 10,905 35.90 61.67 MSME CREDIT Particulars Sept 22 Agriculture Sector; 13.54% Total MSME Credit 28,647 Jun 23 33,740 Sept 23 Growth (Y-o-Y) % 36,037 25.80 of which Micro 18,891 21,339 23,099 22.28 21 MSME Sector; 19.68% % Share of Gross Advances, as on 30th Sep, 2023 Small 7,160 9,265 9,539 33.22 Medium 2,596 3,136 3,399 30.94 www.bankofmaharashtra.in fP /mahabank#22G24 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Funded exposure to selected sectors & industries with total exposure (more than 1%) - September 23 Vehicle Loans 1.11% Chemicals & Chemical Products 1.12% All Engineering 1.24% Transport Operators 1.32% Education 1.33% Top 3 selected sectors are Infrastructure, Agriculture & Allied Activites and Housing, which cover over 46% of total funded exposure. Textiles 1.50% Commercial Real Estate 1.54% Petroleum, Coal Products & Nuclear Fuels 1.58% Housing Finance Companies (HFCs) 1.60% Loans against gold jewellery 1.99% Basic Metal & Metal Product Professional and Other Services NBFCs other than Public Financial Institutions (PFIs) 2.37% 3.72% 6.72% Trade Housing 7.61% 12.82% Agriculture & Allied Activities 15.10% 22 22 Infrastructure 18.60% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% www.bankofmaharashtra.in fP /mahabank#2323 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital External Rating-wise Advances - Above 25 Cr M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 5,509 8.02 59 15,372 22.39 (* in Crore) Particulars No. of Sept 22 O/s Amount Jun 23 Sept 23 Borrowers % of O/s Amount No. of Borrowers % of O/s O/s Amount Amount No. of Borrowers % of O/s O/s Amount Amount Total Eligible Exposure for External 384 68,665 100 431 84,026 100 426 86,761 100 Rating AAA 25 25 AA 16 6,221 7.40 12 5,565 6.41 71 22,401 26.66 71 22,912 26.41 A BBB 108 20,106 29.28 114 20,994 24.99 107 22,256 25.65 79 8,893 12.95 94 10,185 12.12 69 89 9,196 10.60 BB & Below 61 3,952 5.76 49 4,391 5.23 39 3,490 4.02 Total Rated 332 53,833 78.40 344 64,192 76.40 318 63,418 73.10 Govt.Guaranteed exposure (Unrated) 20 13,373 19.48 21 15,755 18.75 27 19,126 22.04 Total Rated plus Govt Guarantee 352 67,205 97.87 365 79,947 95.15 345 82,544 95.14 Other Unrated 32 1,459 2.13 66 4,079 4.85 81 4,217 4.86 www.bankofmaharashtra.in fP /mahabank#24G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Asset Quality M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Particulars % of Gross % of Gross % of Gross % of Gross % of Gross Amount Amount Adv. Adv. Amount Adv. Amount Adv. Amount Adv. Standard 1,43,177 96.60 1,52,350 97.06 1,70,786 97.53 1,71,669 97.72 1,79,105 97.81 Sub-Standard 1,787 1.21 1,629 1.04 1,467 0.84 1,157 0.66 1,151 0.63 Doubtful 2,951 1.99 2,804 1.79 2,692 1.54 2,684 1.53 2,733 1.49 Loss 301 0.20 180 0.11 175 0.10 166 0.09 133 0.07 Total Advances 1,48,216 100 1,56,962 100 1,75,120 100 1,75,676 100 1,83,122 100 Special Mention Account * Sept`22 Dec 22 Mar 23 Jun 23 Sept 23 Particulars % of Gross % of Gross % of Gross % of Gross % of Gross Amount Amount Amount Amount Amount Adv. Adv. Adv. Adv. Adv. SMA 1 234 0.16 154 0.10 117 0.07 250 0.14 75 0.04 SMA2 103 0.07 209 0.13 52 0.03 119 0.07 198 0.11 Total 338 0.23 363 0.23 168 0.10 369 0.21 273 0.15 *Rs. 5 crore and above 24 24 www.bankofmaharashtra.in fP /mahabank#2525 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) M Provisions Coverage Ratio (%) M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 2.0 1.24 4.73 5.0 3.94 4.0 10 3.74 3.40 93 33 2.94 3.0 2.47 2.28 86 2.19 79 98.28 98.37 98.40 100 97.18 96.06 94.79 95.04 93.77 90.44 90.2 90.30 84.95 80.76 0.97 0.88 0.68 1.0 0.47 72 76.43 76.86 0.25 0.24 0.23 75.04 0.0 00 65 Dec 21 Mar 22 Jun 22 Sept 22 59 Dec 22 Mar 23 Jun 23 Sept 23 Dec 21 Mar 22 Net NPA % Gross NPA % 2.3 Credit Cost % 2.0 1.82 1.81 1.80 1.68 1.7 1.4 1.1 Quarterly 3.0 Jun 22 Sept 22 Provision Coverage Ratio [%] (including TWO) Dec 22 Mar 23 Jun 23 Sept 23 Provision Coverage Ratio [%] (excluding TWO) Slippage Ratio % Quarterly 2.41 2.4 2.12 2.15 1.76 1.8 1.60 1.44 1.38 1.26 1.37 1.31 1.25 1.2 1.23 0.6 0.8 0.0 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 www.bankofmaharashtra.in fP /mahabank#26G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Movement of NPA (* in Crore) Sector-wise Credit Deployment & NPA (* in Crore) Last 5 Quarters Sept 22 Jun 23 Sept 23 Particulars Particulars Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Advances Sector NPA Sector NPA % Advances Sector NPA Sector NPA % Advances Sector Sector NPA NPA % Opening Level of Gross NPAS 5,260 5,039 4,612 4,334 4,007 Retail Sector 38,590 340 0.88 44,952 271 0.60 46,449 235 0.51 Total Reductions 880 1,006 833 872 584 Agriculture Sector 19,014 2,743 14.43 23,637 2,308 9.77 24,792 2,388 9.63 of which: Recovery + Upgradation 418 419 433 273 324 MSME Sector 28,647 1,367 4.77 33,740 1,149 3.41 36,037 1,152 3.20 Gross Addition 659 579 555 545 594 Total of RAM 86,250 4,451 5.16 1,02,329 3,729 3.64 1,07,279 3,775 3.52 of which: Variable 65 59 RAM to Gross 7 10 9 1 58.19 58.25 58.58 Advances (%) : Fresh Slippages 594 572 549 538 593 Corporate & Others 61,965 588 0.95 73,347 278 0.38 75,843 242 0.32 Net Increase/Decrease (221) (427) (278) (327) 10 Corporate & Others to Gross Advances (%) 41.81 41.75 41.42 Closing Level of Gross NPAs 5,039 4,612 4,334 4,007 4,017 Total Advances 1,48,216 5,039 3.40 1,75,676 4,007 2.28 1,83,122 4,017 2.19 26 www.bankofmaharashtra.in fP /mahabank#27G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA (* in Crore) Sept 22 Jun 23 Sept 23 Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % 1.31 Total Retail Credit 38,590 340 0.88 44,952 271 0.60 46,449 235 0.51 of which M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Retail Sector NPA % 0.99 0.94 0.88 0.72 0.68 0.60 0.51 Housing 22,891 199 0.87 25,695 148 0.58 26,686 126 0.47 Education 1,644 27 1.63 1,878 15 0.77 2,033 13 0.65 Vehicle 2,314 24 1.02 2,400 17 0.69 2,487 13 0.52 Others 11,741 91 0.78 14,979 92 0.61 15,243 83 0.54 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 MSME Sector - NPA (* in Crore) Sept 22 Jun 23 Sept 23 MSME Sector NPA % Particulars Sector Sector Advances Sector NPA Advances NPA % NPA Sector NPA % Advances Sector NPA Sector NPA % 6.59 Total MSME Credit 28,647 1,367 4.77 33,740 1,149 3.41 36,037 1,152 3.20 5.31 5.25 4.77 of which 3.93 3.83 3.41 3.20 Micro 18,891 1,044 5.53 21,339 971 4.55 23,099 989 4.28 Small 7,160 161 2.25 9,265 147 1.58 9,539 134 1.40 Medium 2,596 162 6.23 3,136 32 1.01 3,399 29 29 0.86 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 27 27 www.bankofmaharashtra.in f P /mahabank#2828 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Restructuring of Advances Sector-wise COVID Restructuring under RP 1.0 as on 30.09.2023 RP Implemented Balance (as on 30.09.22) RP Implemented Balance (as on 30.06.23) M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) RP Invoked % to respective Std Advance as Sector Amount sector on 30.09.23 STD advance % to Total STD advances % to respective Amount sector STD advance % to Total STD advances RP Implemented Balance (as on 30.09.23) % to respective % to Total Amount sector STD advance STD advances Retail 46,214 547 1.18 0.31 434 0.94 0.24 421 0.91 0.24 Agriculture MSME Corporate Total 22,404 57 0.25 0.03 52 52 0.23 0.03 50 0.22 0.03 34,885 27 0.02 0.02 0.00 0.00 0.00 0.00 75,601 502 0.66 0.28 368 0.49 0.21 397 0.52 0.22 1,79,104 1,134 0.63 854 0.48 867 0.48 Sector-wise COVID Restructuring under RP 2.0 as on 30.09.2023 RP Invoked and Implemented Restructuring of Standard Advances Sept 22 Dec 22 Mar 23 Jun 23 Sep 23 Retail- As on Date 2,119 2,071 1,863 1,797 1,713 Sector Restructured upto % to respective sector Std Advance as on 30.09.2023 STD advance 30.09.2023 % to Total STD advances 30.09.2023 Agriculture- As on date 348 310 303 251 184 Retail 1,292 2.79 46,214 0.72 MSME- As on date 1,582 1,285 1,114 835 450 Agriculture 169 0.76 22,404 0.09 MSME 356 1.02 34,885 0.20 Corporate- As on Date 796 1,024 908 892 822 Corporate 75,601 Total 4,845 4,691 4,188 3,774 3,169 Total 1,817 1,79,104 0.01 www.bankofmaharashtra.in fP /mahabank#29G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 29 29 Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) 21 Particulars Sept 22 Jun 23 Sept 23 18 RWA for Credit Risk 84,499 99,432 1,03,825 14.85 15 RWA for Market Risk 4,708 4,860 6,057 12 10.61 RWA for Operational Risk 12,332 14,537 14,537 CET I % ATI % 9 Total RWA 1,01,538 1,18,829 1,24,420 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 18.14 18.07 17.53 17.61 16.48 16.71 16.15 14.25 14.36 13.72 13.47 12.89 12.38 12.16 Bank has raised Tier II Bond of Rs. 515 crore in the month of September, 2023 6 12.00 12.85 12.28 4.24 4.10 3.99 4.06 3.82 3.89 3.71 3.89 3 0.89 1.51 1.44 0 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 TIER I % Jun 23 12.89 Sept 23 14.36 13.72 Tier I Capital Tier II Capital CRAR www.bankofmaharashtra.in fP /mahabank#3030 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Mutual funds/ UTI; 0.53% FIIS, NRIs and OCBS; 0.80% Banks/ FIS/ Insurance Co; 4.65% Major Highlights Business Performance Financial Performance Asset Quality Capital Domestic Companies; 0.71% Individuals; 6.85% ■Govt of India Mutual funds/ UTI Equity Holding(%) & Ratios M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Quarterly Particulars Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 No. of Shares (in crore) 673.05 673.05 673.05 708.14 708.14 Market Capitalization 11,980 20,595 16,658 20,465 33,743 Net Worth (in crore) 11,682 12,699 12,765 14,870 15,823 Return on Equity (%) 18.32 24.41 26.32 23.73 23.25 Return on Assets (%) 0.92 1.30 1.32 1.33 1.37 Earning Per Share (Rs.) 0.79 1.15 1.25 1.29 1.30 (Not Annualized) Book Value Per Share (Rs.) (excl. Rev. Res.) 17.36 18.87 18.97 21.78 22.34 Govt of India; 86.46% ■Banks/ FIs/ Insurance Co ■FIIS, NRIs and OCBs ■Domestic Companies Individuals Particulars Agency Rating ICRA/CARE AA (Positive) Long Term Rating (Tier II Bonds) INFOMERICS/ ACUITE AA+ (Stable) CRISIL A1+ As on 30th September, 2023 GOI Holding reduced from 90.97% to 86.46% as Bank raised Rs. 1000 crore via QIP which was oversubscribed. Short Term Rating www.bankofmaharashtra.in fP /mahabank#3131 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE • Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Internet Banking Payment of Credit Card dues CIF based consolidated statement New Initiatives in Digital Banking III Mobile Banking Reduced Beneficiary addition period • Open PPF Account Get timely update for Re-KYC • Enrolment of Insurance • Nomination Facility • Online Bill Payment • Download Balance/Loan Certificate • Enrolment of Social Security Scheme Clearance of Payment of Cheques above Rs. 50,000 € Credit Card • M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक WhatsApp Banking • Download forms • Instant Access to Interest Rate Charts Know Your IFSC, Bank Holidays & Cyber Security Tips Hot-listing of Credit Card Modify Credit Card limit for POS, e-commerce, cashless & POS • Dedicated customer support for NRIs * Launch of Secured Credit Card against deposits • Launch of Merchant Credit Card Payment of Credit Card dues through Internet Banking & UPI Digital Sanction PM SVANidhi Scheme - Completely Paperless Process www.bankofmaharashtra.in fP /mahabank#3232 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives ATM Card Base (Mio.) Digital Footprints 13.82 13.57 13.38 13.20 13.04 Products, Services & Awards UPI/BHIM Users (Mio) 2.56 2.53 2.49 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 2.58 2.57 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 ATMs (Actuals) 2,391 2,363 2,330 2,253 2,220 UPI/BHIM Transactions (Mio) 370 352 326 449 413 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 www.bankofmaharashtra.in fP /mahabank#3333 G2019 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Digital transaction (%) 97.27 96.92 96.96 96.66 96.34 Digital Footprints Whats App Onboarding (Lakhs) 4.33 3.15 2.37 6.47 5.7 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक QR Merchant Onboarding (Lakhs) 10.48 10.14 11.08 11.00 10.91 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Internet Banking Users (Lakhs) Whatsapp Transactions (Lakhs) QR Merchant Transaction (Lakhs) 26.27 25.20 24.13 22.96 21.73 218.30 191.50 106.85 113.44 87.06 11 33.69 31.80 30.39 28.49 22.30 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 www.bankofmaharashtra.in fP /mahabank#34G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक No. of PMJDY Accounts Financial Inclusion (in Lakhs) No. of policies issued under Pradhan Mantri Suraksha Bima Yojana 72.7 74.1 71.6 70.5 74.4 55.2 47.3 42.2 40.6 64.7 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 No.of Enrollments under Atal Pension Yojana 6.1 5.8 5.2 4.8 6.6 No. of policies issued under Pradhan Mantri Jeevan Jyoti Bima Yojana 32.6 28.0 25.3 20.4 21.1 Sept 22 Dec 22 Mar 23 Jun 23 Sept 23 Sept 22 Dec 22 Mar 23 34 Jun 23 Sept 23 www.bankofmaharashtra.in fP /mahabank#3535 55 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक LEH-LADAKH JAMMU AND KASHMIR No. of Branches UTTARAKHAND UTTAR PRADESH SIKKIM Category Sept 22 Dec 22 Mar 23 Jun 23 Sep 23 BIHAR Metro 488 501 518 545 563 HIMACHAL PRADESH ASSAM CHANDIGARH PUNJAB 42 6 16 ARUNACHAL PRADESH Urban 431 448 477 490 508 HARYANA Semi Urban 542 573 602 621 661 NCT OF DELHI Rural 605 606 606 607 609 RAJASTHAN 53 127 Total Branches 51 2,066 2,128 2,203 2,263 2,341 TRIPURA 28 ⚫. NAGALAND GUJARAT 94 178 50 • MIZORAM Employee Age Profile % (in Years) MADHYA PRADESH 51 50 → MEGHALAYA 2 1135 WEST BENGAL → MANIPUR ODISHA MAHARASHTRA DADRA AND NAGAR HAVELI AND DAMAN AND DIU GOA 16 39 75 KARNATAKA TELANGANA KERALA 48 JHARKHAND →CHHATTISGARH ANDHRA PRADESH PUDUCHERRY 0 ANDAMAN & NICOBAR ISLANDS 10% TAMIL NADU 8 Bank plans to have atleast one branch in every district of the country. 15% 21% ■ Below 30 ■ 30-35 ■ 35-40 29% ■ 40-45 ■ 45 above 25% 69% of employees are below the age of 40 years. www.bankofmaharashtra.in f℗ /mahabank#36G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards Green Finance •Maha Super Green Housing Loan Scheme - Green Building •Maha Super Green Car Loan Scheme - E Vehicle •Concession in RoI 0.10% to 0.50% E-Waste & Scope I [Diesel consumption]/ Scope II [Electricity] Emission E-waste collected ~34500 KGS; recycled ~26000 KGS •Per employee Greenhouse Gas (GHG) emissions as per EASE methodology (a) Scope I emission per employee (in metric tonne) is 0.004156 and (b) Scope II emission per employee (in metric tonne) is 0.000661. Tree Plantation •Total 9000 trees have been planted out of which 1011 tress are planted during HY ended Sep'23 nationwide as contribution towards making the environment better. Adoption of Green Energy •Installed Solar panel at Head office & Bank owned premises Saving of ~605230 units/Rs. 73.79 lakhs. Maha Green Pehal •Collection of Climate Risk data across Bank through Maha Green Pehal portal under "MAHADARPAN" •Discontinuation of plastic folders & single use plastic •Implementation of E-meeting portal Dedicated Climate Risk Management Policy and assessment M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Carbon Emission Reduction 34,200 KGS ~ e GREEN THI : GREEN www.bankofmaharashtra.in f℗ /mahabank#37G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 37 Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards SB Account with Video KYC HOME LOAN CREDIT CARD ai GOLD LOAN 8900 M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक CAR LOAN MAHABANK WHATSAPP BANKING MOBILE BANKING VISA RuPay MSME LOAN 7066036640 www.bankofmaharashtra.in fP /mahabank#3838 G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives IRB BEST FE Best Bank Award at the hands BANK OF MAHARASHTRA RETAIL BANK OF THE YEAR Mats State Risestituss evel Bankers Co Finan e for DALAL STREET INVESTMENT JOURHA of Shri Rajeev Chandrasekhar, Minister of State for Electronics and Information Technology of India 'Best Performing Bank' in 'Public Sector Bank' category under 'SHG credit linkage to Women Self Help Groups' for FY 22-23 NUAL FELICITATION PRO AMME Oak H WSDAY, 7 JUNE dia Habitat CFO AWARD OF THE YEAR 2023 Mid Car ROLL OF HONOUR In recognition and appreciation of the contribution you ride is fe ximpany over the you V. P. Snivastava D Bank Best CFO in Mid Cap 2023 by Dalal Street Investment Journal GIM G2 bell-fer T Retail Bank of the Year 2023 at India Banking Summit & Awards 2023 Products, Services & Awards M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Express Bfsi syndrome WINNER BANK OF MAHARASH CATEGORY CLOUD F SI CLAV Technology Winner Award in the BFSI Technology Awards 2023 by Indian Express BANK OF MAHARASHTRA BEST INNOVATION IN USER EXPERIENCE OF THE YEAR Best Innovation in User Experience of the Year at India Banking Summit & Awards 2023 APY Annual Award 2023 at the hands of Shri Vivek Joshi, Hon'ble Secretary, DFS, MOF, GoI क्रेता-विक्रेता गौरव सम्मान समारोह 2023" in the 'GeM Star Buyers category' by Govt. e-marketplace WINNER syndrome BANK OF MAHARASH CATEGORY CLOUD CLAV Best Cloud Implementation of the Year at Indian Banking Summit & Awards 2023 National MSME Awards 2022 at the hands of Hon'ble Prime Minister, Shri Narendra Modi. भारत PS Best Public Sector Bank at the hands of Shri Ram Nath Kovind, Hon'ble Former President of India by State Forum of Bankers Club, Kerala Best Nationalized Bank in Agriculture Finance at the hands of Shri Bhagwat Karad, Hon'ble MoS Finance, Govt. of India at the BFSL Summit and Awards www.bankofmaharashtra.in fP /mahabank#39THAN M mb Mobile Banking Plus mb 12:09 08300 83% Savings Account 1000000HCH ***** Avaiablo Balunco Good Morning! Mr. Shailendra Pratap Singh Savings Account X00000008637 ****** C *** Auskuble Bulance Avaliab Account Detail Account Detail Swipe to Send Money B Maha Bill Manage Deposit BHIM UP Pay Payee FORD Debit Card Credit Card 野 回门 Share QR ceive money instantly hy Passbook Favourite Transactions VAS A Saving X0000 Acc SEAMLESS DIGITAL BANKING EXPERIENCE U THANK YOU Thank you Scan here to download MAHA MOBILE PLUS