#1MS 28 लोक M 75-0 Azadi Ka Amrit Mahotsav G2 भारत 2023 INDIA बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक FINANCIAL RESULTS Quarter Ended June 30th 2023 www.bankofmaharashtra.in fP in/mahabank#2G24 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Contents 1. Major Highlights 2. Business Performance 3. Financial Performance 4 Asset Quality 5. Capital 6. Digital Banking 7. Financial Inclusion 8. Expanding Footprints 9. Other Information M M M Page 3 4-6 7-17 18-24 25 - 26 27-28 29 30 31-33 बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक www.bankofmaharashtra.in f℗ /mahabank#3G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE | Major Highlights Business Performance Financial Performance Asset Quality Capital (Y-o-Y) (Q: Jun` 23 vis-à-vis Q: Jun` 22) M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Net Profit Operating Profit NIM % Return on Assets Total Business Increased by 95.19 % Increased by 55.04 % 3.86 (3.28) 1.33 (0.81) Increased by 24.84 % Total Deposits Savings Deposits Current Deposits Gross Advances Agri. Advances Increased by 24.73 % Increased by 9.33 % I Increased by 29.69 % Increased by 24.98 % I Increased by 22.24 % MSME Advances Retail Advances Gross NPA Net NPA PCR Increased by 29.16% Increased by 24.46 % 2.28 (3.74) 0.24 (0.88) Improved to 98.37% www.bankofmaharashtra.in fP /mahabank#4G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital (* in Crore) 4,50,000 4,00,000 3,44,065 3,36,470 3,50,000 3,00,000 2,50,000 2,00,000 1,50,000 1,00,000 50,000 Total Business Last 5 Quarters 4,09,202 3,65,398 M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (%) 24.84 % (Y-0-Y) 100 4,20,041 Jun 22 Sept 22 Gross Advances 1,40,561 1,48,216 Dec 22 1,56,962 Mar 23 1,75,120 Jun 23 1,75,676 Total Deposit 1,95,909 1,95,849 2,08,436 2,34,083 2,44,365 Total Business 3,36,470 3,44,065 3,65,398 4,09,202 4,20,041 C/D Ratio (%) 71.75 75.68 75.30 74.81 71.89 www.bankofmaharashtra.in fP 95 90 90 85 80 75 70 65 99 60 60 /mahabank#5G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital CASA Deposit Last 5 Quarters (* in Crore) 1,40,000 1,20,000 1,09,857 1,10,205 1,09,430 1,00,000 80,000 60,000 40,000 20,000 M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Gross Advances 13.37% (Y-0-Y) (%) (* in Crore) Last 5 Quarters 24.98% (Y-0-Y) (%) 70 2,00,000 100 1,24,961 1,24,547 1,75,120 1,75,676 1,80,000 00 90 65 1,56,962 1,60,000 1,48,216 1,40,561 1,40,000 80 80 60 60 1,20,000 70 70 1,00,000 55 60 60 80,000 60,000 50 50 40,000 40 45 20,000 30 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 40 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Retail Sector 36,117 38,590 40,312 43,433 44,952 Current Deposits 21,799 21,849 21,515 28,301 28,270 Agriculture Sector 19,336 19,014 19,662 23,400 23,637 Savings Deposit 88,058 88,355 87,914 96,660 96,277 MSME Sector 26,121 28,647 30,517 33,244 33,740 CASA 1,09,857 CASA % 56.08 1,10,205 56.27 1,09,430 52.50 1,24,961 53.38 1,24,547 Corporate 58,986 61,965 66,471 75,044 73,347 Gross Advances 50.97 1,40,561 1,48,216 RAM (%) 58.03 58.19 1,56,962 57.65 1,75,120 1,75,676 57.15 58.25 www.bankofmaharashtra.in fp /mahabank#6G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Investments M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (Quarterly) (* in Crore) M Duration (AFS+HFT) (Quarterly) 80,000 74,329 72,379 3.0 70,731 69,215 68,116 70,000 60,000 50,000 40,000 30,000 20,000 10,000 2.5 2.0 20 1.5 1.40 1.34 1.29 1.22 1.0 0.5 Jun 22 Sept 22 Dec 22 HFT (4) 24 0 Mar 23 0 Jun 23 1 AFS 24,107 21,172 17,967 17,371 20,496 HTM 50,227 49,534 50,149 51,844 51,883 00 Gross Investment 74,329 70,731 68,116 69,215 72,379 1.81 0.0 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 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 M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Profitability (* in Crore) Operating Profit 55.04% (Y-o-Y) (Quarterly) (in Crore) Net Profit 95.19 % (Y-0-Y) (Quarterly) 2,000 1,855 1,863 1,000 1,580 882 840 775 1,600 1,462 800 1,400 1,162 1,179 1,202 600 1,200 800 400 535 452 355 400 325 264 200 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 (* in Crore) Net Interest Income 38.80 % (Y-0-Y) (Quarterly) (%) Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 NIM % (Quarterly) 2,500 2,340 4.0 2,187 2,200 3.7 1,980 1,887 1,900 1,686 34 1,612 1,600 1,500 1,527 3.86 3.78 3.60 3.55 3.4 3.27 3.28 3.17 3.11 3.1 1,300 2.8 1,000 2.5 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP /mahabank#8G24 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 M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Quarter Ended Year Ended Particulars Jun 22 Mar 23 Jun 23 Y-0-Y (%) Mar 23 Total Income 3,774 5,317 5,417 44 18,179 Interest Income 3,457 4,495 4,789 39 15,898 Non-Interest Income 317 822 629 98 96 2,280 Total Expenses 2,573 3,462 3,554 38 12,080 Interest Expenses 1,772 2,308 2,449 88 38 8,158 Operating Expenses 801 1,154 1,105 38 3,922 Operating Profit 1,202 1,855 1,863 55 6,099 Provision & Contingencies 548 945 776 42 2,654 other than taxes Profit Before Taxes 653 911 1,087 99 66 3,445 Provision for Taxes 201 71 205 2 843 [Net of DTA] Net Profit 452 840 882 95 2,602 www.bankofmaharashtra.in fP /mahabank#9G201 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Interest Earnings (in Crore) 4,900 (Quarterly) 4,789 4,495 4,129 4,200 3,815 3,457 3,500 M M M Non-Interest Income Quarter Ended बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Year Ended Particulars Y-0-Y % Jun 22 Mar 23 Jun 23 Mar 23 Comm. from Advances 106 176 150 42 545 Other Commissions 175 206 178 2 764 2,800 Fee Based Income 2,100 Net Profit on Investment (134) (78) 50 281 383 328 17 1,309 (103) I 1,400 700 Net profit from FEX Treasury Income 43 10 10 12 (73) 78 (92) (68) 62 62 (25) Recovery in written off accounts 118 488 231 97 943 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Interest on Advances 2,410 2,662 3,046 3,368 3,673 Other Miscellaneous Income 10 20 Interest on Investment Other Interest Income 1,001 1,125 1,043 1,097 20 7 (26) 53 1,082 47 28 40 30 34 Total Non-Interest Income 317 822 629 99 Total Interest Income 3,457 3,815 4,129 4,495 4,789 99 2,280 www.bankofmaharashtra.in fP /mahabank#10G20 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) 2,449 2,500 2,308 2,149 1,928 2,000 1,772 1,500 1,000 500 1,250 1,000 750 500 250 801 M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra Operating Expenses भारत सरकार का उद्यम एक परिवार एक बैंक 927 (Quarterly) 1,154 1,105 1,040 Jun 22 Sept 22 Dec 22 Mar 23 Other Interest Expenses 130 264 311 267 Jun 23 164 Jun 22 Sept 22 Dec 22 Mar 23 Staff Expenses 390 467 606 595 Jun 23 666 Interest on Deposits 1,642 1,664 1,838 2,042 2,285 Other Operating Expenses 411 460 434 558 440 Total Interest Expenses 1,772 1,928 2,149 2,308 2,449 Total Operating Expenses 801 927 1,040 1,154 1,105 www.bankofmaharashtra.in fP /mahabank#11G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Other Operating Expenses M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Quarter Ended (* in Crore) Year Ended Particulars Jun 22 Mar 23 Jun 23 Y-0-Y (%) Mar 23 Rent, Taxes & Lighting 58 67 64 10 248 Printing & Stationery Advertising & Publicity LO LO 12 LO 5 4 26 11 6 25 33 Depreciation on Fixed Assets 63 74 61 (2) 262 Audit Fees (incl. branch auditors) 8 2 3 (63) 16 Law Charges 19 16 13 (32) 59 Postage, Telephone etc. 15 14 11 (27) 54 Repairs & Maintenance 50 65 53 8 216 Insurance & Guarantee Fee 61 58 68 12 236 Other Expenditure 129 239 156 21 713 Total Other Operating Exp. 411 558 440 7 1,864 www.bankofmaharashtra.in fP /mahabank#12G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Provisions & Contingencies M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (in Crore) Quarter Ended Year Ended Particulars Jun 22 Mar 23 Jun 23 Mar 23 Prov for Non Performing Assets 637 545 539 2,253 Prov for Standard/Restructured Assets (257) 280 212 (114) Prov for Non-performing Investment 186 167 (5) 477 Other provisions (net of write back) (18) (48) 30 38 Provision & Contingencies 548 945 776 2,654 other than taxes Income Tax [net of DTA & write back] 201 71 205 843 TOTAL PROVISIONS 750 1,015 981 3,497 www.bankofmaharashtra.in f℗ /mahabank#13G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 4.5 Major Highlights Business Performance Financial Performance Asset Quality Capital Key Financial Ratios Cost of Deposits (%) Cost of Funds (%) 3.8 4.2 4.06 3.6 3.95 3.44 3.81 3.9 3.76 3.4 3.69 44 3.32 3.31 3.27 3.61 3.54 3.18 3.6 3.46 32 3.2 3.3 30 3.0 M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Quarterly 3.70 3.61 3.62 3.0 2.8 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sep 21 Dec 21 Mar 22 Jun 22 Sept`22 Dec 22 Mar 23 Jun 23 Yield on Advances (%) 9.0 00 Yield on Funds (%) 8.5 7.81 8.0 7.43 7.33 7.5 7.22 7.04 7.0 6.5 555 7.5 8.62 8.49 8.28 7.2 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 6.9 6.6 6.46 6.3 63 6.0 60 6.27 6.21 6.12 6.55 7.24 7.05 6.94 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP /mahabank#14G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 49 Major Highlights Business Performance Financial Performance Asset Quality Capital Key Financial Ratios Cost to Income (%) M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 39.99 39.69 38.82 38.34 37.23 46 45.63 44.76 43 39.96 40 37 34 Sep 21 Dec 21 Mar 22 Jun 22 99 6.6 6.4 6.24 6.20 6.16 6.2 6.0 5.8 550 Sept 22 Dec 22 Mar 23 Jun 23 Yield on Investments (%) 5.87 6.18 6.04 6.34 6.37 5.6 Sep 21 Dec 21 Mar 22 Jun 22 Sept`22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP Quarterly /mahabank#15G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 1.8 1.5 1.2 0.92 0.81 0.9 0.60 0.65 0.53 0.6 Key Financial Ratios Quarterly Return on Assets (%) Return on Equity (%) 30 26.32 24.41 23.73 1.30 1.32 1.33 25 18.32 20 16.75 13.49 13.96 15 11.45 10 0.3 LO 5 0.0 0 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Earning Per Share (Rs.) Book Value Per Share (Rs.) (Not Annualized) 1.8 23 1.5 1.25 1.29 1.15 20 26 222 21.78 18.87 18.97 1.2 17.36 16.04 0.79 17 0.9 15.12 0.67 13.79 14.30 0.48 0.53 0.6 0.39 14 0.3 11 0.0 8 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sep 21 Dec 21 Mar 22 Jun 22 Sept`22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP /mahabank#16G24 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 M in Crore) Assets Jun 22 Mar 23 Jun 23 Cash & Balance with RBI 13,761 18,508 21,172 Balances with Bank & Call Money 294 21 566 Total Investments (Net of Depreciation & Provision) 73,823 68,867 72,035 Total Advances (Net of Provision) 136,496 171,221 172,083 Total Fixed Assets (Net of Depreciation) 2,193 2,157 2,143 Other Assets 8,488 6,878 6,754 Total 235,056 267,651 274,754 बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Liabilities Jun 22 Mar 23 Jun 23 Capital 6,731 6,731 7,081 Reserves & Surplus Deposits 7,606 8,880 10,411 195,909 234,083 244,365 Borrowings 19,316 10,766 6,618 Other Liabilities & Provisions 5,493 7,193 6,278 Total 235,056 267,651 274,754 www.bankofmaharashtra.in fP /mahabank#17G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Credit Portfolio - Balanced Loan Growth M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) Particulars Jun 22 Mar 23 Gross Advances 1,40,561 1,75,120 Jun 23 1,75,676 Growth (Y-0-Y) % 24.98 Particulars Total Retail Credit RETAIL CREDIT Jun 22 36,117 Mar 23 43,433 Jun 23 44,952 Growth (Y-o-Y) % 24.46 of which of which Retail Sector 36,117 43,433 44,952 24.46 Agriculture Sector 19,336 23,400 23,637 22.24 Housing Education 21,807 25,181 25,695 17.83 1,486 1,829 1,878 26.43 MSME Sector 26,121 33,244 33,740 29.16 Total of RAM 81,574 1,00,076 1,02,329 25.44 Vehicle 2,220 Others 10,604 14,037 2,386 2,400 8.10 14,979 41.26 RAM % to Gross Advances 58.03 57.15 58.25 AGRICULTURE CREDIT Corporate & Others 58,986 75,044 73,347 24.35 Particulars Retail Sector; 26% Total Agriculture Credit of which Jun 22 19,336 Mar 23 Jun 23 Growth (Y-o-Y) % 23,400 23,637 22.24 Farm Credit 12,023 13,524 12,798 6.44 Corporate & Others; 42% (Crop, Investment & Allied) Agri Infrastructure Agri Ancillary Activities 505 6,807 536 9,340 646 27.78 10,193 49.74 MSME CREDIT Particulars Jun 22 Mar 23 Jun 23 Growth (Y-o-Y) % Agriculture Sector; 13% Total MSME Credit 26,121 33,244 33,740 29.16 of which Micro 17,179 20,808 21,339 24.21 MSME Sector; 19% % Share of Gross Advances, as on 30th June, 2023 Small 6,595 9,312 9,265 40.48 Medium 2,347 3,124 3,136 33.62 www.bankofmaharashtra.in fP /mahabank#18G24 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M 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%) - June 23 Vehicle Loans 1.14% Petroleum, Coal Products & Nuclear Fuels 1.22% All Engineering 1.25% Chemicals & Chemical Products 1.26% Education 1.28% HFC 1.50% Top 3 selected sectors are Agriculture & Allied Activites, Housing and Infrastructure, which cover over 39% of total funded exposure. Textiles 1.59% Transport Operators Basic Metal & Metal Product 1.59% Loans against gold jewellery Professional and Other Services 2.11% 2.24% 3.85% NBFCs other than Public Financial Institutions (PFIs) Trade 7.23% 8.40% Infrastructure Housing 11.33% 13.08% Agriculture & Allied Activities 15.30% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% www.bankofmaharashtra.in fP /mahabank#19G20 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 M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 14 6,892 11.52 38 13,518 22.59 (in Crore) Particulars No. of Borrowers Jun 22 O/s Amount Mar 23 Jun 23 % 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 248 59,833 100 431 84,148 100 431 84,026 100 Rating AAA AA 88 18 7,744 9.20 16 6,221 7.40 71 22,056 26.21 71 22,401 26.66 A BBB BB & Below 98 86 18,028 30.13 114 21,014 24.97 114 20,994 24.99 51 5,805 9.70 102 10,962 13.03 94 10,185 12.12 32 2,647 4.42 55 53 3,742 4.45 49 4,391 5.23 Total Rated 221 46,891 78.37 358 65,517 77.86 344 64,192 76.40 Govt.Guaranteed exposure (Unrated) * 15 11,446 19.13 20 20 15,557 18.49 21 15,755 18.75 Total Rated plus Govt Guarantee 236 58,337 97.50 378 81,074 96.35 365 79,947 95.15 Other Unrated 12 1,496 2.50 59 53 3,074 3.65 66 4,079 4.85 *(Including exposure backed by Treasury Deposits of State Govt.) 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 Improved Asset Quality M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Jun 22 Sep`22 Dec 22 Mar 23 (in Crore) Jun 23 Particulars % of Gross % of Gross % of Gross % of Gross % of Gross Amount Amount Adv. Adv. Amount Adv. Amount Adv. Amount Adv. Standard 1,35,301 96.26 1,43,177 96.60 1,52,350 97.06 1,70,786 97.53 1,71,669 97.72 Sub-Standard 1,940 1.38 1,787 1.21 1,629 1.04 1,467 0.84 1,157 0.66 Doubtful 3,095 2.20 2,951 1.99 2,804 1.79 2,692 1.54 2,684 1.53 Loss 224 0.16 301 0.20 180 0.11 175 0.10 166 0.09 Total Advances 1,40,561 100 1,48,216 100 1,56,962 100 1,75,120 100 1,75,676 100 Special Mention Account * Jun 22 Sep 22 Dec 22 Mar 23 Jun 23 Particulars % of Gross % of Gross % of Gross % of Gross % of Gross Amount Amount Amount Amount Amount Adv. Adv. Adv. Adv. Adv. SMA 1 339 0.24 371 0.25 316 0.20 504 0.29 743 0.42 SMA2 230 0.16 323 0.22 329 0.21 289 0.17 529 0.30 Total 569 0.40 694 0.47 646 0.41 793 0.45 1,272 0.72 * Rs. 100.00 lakh and above www.bankofmaharashtra.in fP /mahabank#21G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Gross & Net NPA (%) M M M Provisions Coverage Ratio (%) बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 6.0 00 5.56 100 93.77 94.79 95.04 96.06 97.18 98.28 98.37 4.73 92.38 5.0 93 3.94 3.74 90.44 90.2 4.0 3.4 86 2.94 84.95 3.0 2.47 80.76 2.28 79 1.73 76.43 76.86 75.04 2.0 1.24 72 0.97 0.88 70.50 0.68 1.0 0.47 0.25 0.24 65 0.0 58 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Net NPA % Gross NPA % Sep 21 Dec 21 Provision Coverage Ratio [%] (including TWO) Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Provision Coverage Ratio [%] (excluding TWO) 3.6 3.0 3.20 Credit Cost % Quarterly Slippage Ratio % Quarterly 3.0 2.41 22 2.5 2.14 2.12 2.15 1.76 1.60 1.44 1.26 2.4 2.0 1.82 1.81 1.80 1.68 1.8 1.5 1.37 1.25 1.23 1.2 1.0 00 90 0.6 0.5 0.0 0.0 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Sep 21 Dec 21 Mar 22 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP in /mahabank#22G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Movement of NPA Sector-wise Credit Deployment & NPA (in Crore) (in Crore) Last 5 Quarters Jun 22 Mar 23 Jun 23 Particulars Particulars Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Advances Sector NPA Sector NPA % Advances Sector NPA Sector NPA % Advances Sector NPA Sector NPA % Opening Level of Gross NPAS 5,327 5,259 5,039 4,612 4,334 Retail Sector 36,117 338 0.94 43,433 294 0.68 44,952 271 0.60 Total Reductions 798 880 1,006 833 872 Agriculture Sector 19,336 2,895 14.97 23,400 2,332 9.97 23,637 2,308 9.77 of which: Recovery + 388 418 419 433 273 MSME Sector 26,121 1,371 5.25 33,244 1,274 3.83 33,740 1,149 3.41 Upgradation Gross Addition 730 659 579 555 545 Total of RAM 81,574 4,604 5.64 100,076 3,900 3.90 102,329 3,729 3.64 of which: Variable 33 65 99 RAM to Gross 7 9 6 58.03 57.15 58.25 Advances (%) : Fresh Slippages 697 594 572 549 538 Net Increase/Decrease (68) (221) (427) (278) (327) Corporate & Others Corporate & Others to Gross Advances (%) 58,986 656 1.11 75,044 434 0.58 73,347 278 0.38 41.97 42.85 41.75 Closing Level of Gross NPAs 5,259 5,039 4,612 4,334 4,007 Total Advances 140,561 5,260 3.74 175,120 4,334 2.47 175,676 4,007 2.28 www.bankofmaharashtra.in fP /mahabank#23G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Retail Sector - NPA (* in Crore) M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Retail Sector NPA % Jun 22 Mar 23 Jun 23 Particulars Sector Sector Sector Sector Sector Advances Sector NPA Advances Advances NPA % NPA NPA % NPA NPA % 0.94 Total Retail Credit 36,117 338 0.94 43,433 294 0.68 44,952 271 0.60 0.88 of which Housing 21,807 201 0.92 25,181 175 0.69 25,695 148 0.58 0.72 0.68 0.60 Education 1,486 28 1.90 1,829 17 0.96 1,878 15 0.77 Vehicle 2,220 24 1.07 2,386 18 0.77 2,400 17 0.69 Others 10,604 85 0.80 14,037 84 0.60 14,979 92 0.61 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 MSME Sector - NPA Particulars Total MSME Credit of which MSME Sector NPA % (* in Crore) Jun 22 Mar 23 Jun 23 Sector Advances Sector NPA Advances NPA % Sector NPA Sector NPA % Advances Sector NPA 26,121 1,371 5.25 33,244 1,274 3.83 33,740 1,149 Sector NPA % 3.41 5.25 4.77 Micro 17,179 978 5.69 20,808 1,071 5.15 21,339 971 4.55 3.93 3.83 3.41 Small 6,595 271 4.10 9,312 167 1.80 9,265 147 1.58 Medium 2,347 123 5.22 3,124 55 35 1.13 3,136 32 1.01 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 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 Restructuring of Advances Sector-wise COVID Restructuring under RP 1.0 as on 30.06.2023 RP Implemented Balance (as on 30.06.22) RP Implemented Balance (as on 31.03.23) M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक (* in Crore) RP Invoked % to respective % to Total % to respective Std Advance as Sector Amount sector on 30.06.23 STD advance STD advances Amount sector STD advance % to Total STD advances RP Implemented Balance (as on 30.06.23) % to respective % to Total Amount sector STD advance STD advances Retail 44,681 576 1.29 0.34 475 1.06 0.28 434 0.97 0.25 Agriculture 21,328 58 0.27 0.03 54 0.25 0.03 52 0.24 0.03 MSME 32,591 27 0.08 0.02 27 0.08 0.02 0.00 0.00 Corporate 73,069 525 0.72 0.31 395 0.54 0.23 368 0.50 0.21 Total 1,71,669 1,186 0.69 951 0.55 854 0.50 Sector-wise COVID Restructuring under RP 2.0 as on 30.06.2023 RP Invoked and Implemented Restructuring of Standard Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Advances Sector Restructured upto % to respective sector Std Advance as on 30.06.2023 STD advance 30.06.2023 % to Total STD Retail- As on Date 2,181 2,119 2,071 1,863 1,793 advances 30.06.2023 Agriculture- As on date 319 348 310 303 249 Retail 1,435 3.21 44,681 0.84 MSME- As on date 1,818 1,582 1,285 1,114 768 Agriculture 177 0.83 21,328 0.10 MSME 705 2.16 32,591 0.41 Corporate- As on Date 625 796 1,024 908 892 Corporate 73,069 Total Total 4,942 4,845 4,691 4,188 3,702 2,317 1,71,669 1.35 www.bankofmaharashtra.in fP /mahabank#25G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Capital Adequacy (%) M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Particulars Jun 22 20 20 Mar 23 Jun 23 18 18.14 18.07 17.53 16.48 16.71 16.15 RWA for Credit Risk 80,696 96,823 99,432 16 14.67 14.85 14 RWA for Market Risk 5,696 3,495 4,860 14.25 14.36 13.47 12.89 12.38 12.16 12 11.38 10.61 RWA for Operational Risk 12,332 12,299 14,537 10 Bank has raised Rs. 1000 crore via. QIP during June 23 quarter. CET I % ATI % Total RWA 8 98,723 112,618 118,829 11.96 12.66 12.85 4.24 4.10 3.99 4.06 3.82 3.89 3.71 3.29 2 0.20 1.59 1.51 0 Sep 21 Dec 21 Mar 22 Jun 22 TIER I % 12.16 14.25 14.36 Tier I Capital Sept 22 Tier II Capital Dec 22 Mar 23 Jun 23 CRAR www.bankofmaharashtra.in fP in /mahabank#26G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Major Highlights Business Performance Financial Performance Asset Quality Capital Mutual funds/ UTI; 0.38% FIIS, NRIs and Domestic Companies; 0.76% OCBs; 0.84% Banks/ FIs/ Insurance Co; 6.05% Equity Holding(%) & Ratios M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Quarterly Individuals; Particulars Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 5.51% No. of Shares (in crore) 673.05 673.05 673.05 673.05 708.14 Net Worth (in crore) 10,793 11,682 12,699 12,765 14,870 Return on Equity (%) 16.75 18.32 24.41 26.32 23.73 Return on Assets (%) 0.81 0.92 1.30 1.32 1.33 Earning Per Share (Rs.) 0.67 0.79 1.15 1.25 1.29 (Not Annualized) Book Value Per Share (Rs.) (excl. Revaluation Reserve) 16.04 17.36 18.87 18.97 21.78 Govt of India; 86.46% ■Govt of India ■Banks/ FIs/Insurance Co Mutual funds/UTI ■Domestic Companies ■FIIS, NRIs and OCBS Individuals As on 30th June. 2023 GOI Holding reduced from 90.97% to 86.46% as Bank raised Rs. 1000 crore via QIP which was oversubscribed. Particulars Agency Rating ICRA/CARE AA (Positive)* Long Term Rating (Tier II Bonds) Short Term Rating INFOMERICS/ ACUITE CRISIL AA+ (Stable) A1+ *The outlook made 'Positive' from 'Stable' during the quarter. www.bankofmaharashtra.in fP /mahabank#27G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Digital Footprints Products, Services & Awards M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक 13.8 13.5 ATM Card Base (Mio.) UPI/BHIM Users (Mio) 2.60 13.57 13.38 2.56 2.57 2.56 13.20 2.53 13.2 13.04 2.52 2.49 12.9 12.65 2.48 2.45 12.6 2.44 12.3 2.40 12.0 2.36 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 ATMs (Actuals) UPI/BHIM Transactions (Mio) 2,420 430 2,363 413 2,350 2,330 400 2,280 2,253 370 370 2,220 352 2,210 2,165 340 326 316 2,140 310 2,070 280 2,000 250 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP /mahabank#28G2019 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives 97.2 Digital transaction (%) Digital Footprints Internet Banking Users (Lakhs) Products, Services & Awards M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक QR Merchant Onboarding (Lakhs) 97.0 27 96.96 96.92 25 25 25.20 24.13 12 12 10 10 10.91 10.48 10.14 11.00 22.96 96.8 23 96.66 21.73 8 96.6 21 20.30 5.58 6 96.38 96.4 96.34 19 4 96.2 17 2 96.0 15 0 Jun 22 Sept`22 Dec 22 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 25 25 24 23 22 22 Mobile Banking Users (Lakhs) 6.0 24.10 23.46 5.0 22.76 4.0 3.0 Whats App Onboarding (Lakhs) 4.33 5.70 35 30 25 3.15 20 21.31 21 20.60 20 2.37 2.0 1.42 1.0 19 0.0 Jun 22 Sept 22 00 Dec 22 Mar 23 Jun 23 Jun 22 Sept`22 Dec 22 Mar 23 Jun 23 QR Merchant Transaction (Lakhs) 25 20 20 22.30 16.80 15 10 31.80 30.39 28.49 LO 5 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 www.bankofmaharashtra.in fP /mahabank#29G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE 77 Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards No. of PMJDY Accounts M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Financial Inclusion (in Lakhs) No. of policies issued under Pradhan Mantri Suraksha Bima Yojana 55.2 56 75 74.1 72.7 51 73 71.8 47.3 71.6 46 71 70.5 42.2 40.6 41 38.6 69 36 67 31 65 26 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 7 No.of Enrollments under Atal Pension Yojana 9 LO 5.8 5.2 4.8 5 4.3 4 3 2 1 Jun 22 Sept`22 Dec 22 No. of policies issued under Pradhan Mantri Jeevan Jyoti Bima Yojana 6.1 30 25.3 25 20.4 21.1 19.6 20 15 10 28.0 LO 5 0 Mar 23 Jun 23 Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 *Reduction is due to some closure or conversion into S/B Ac. www.bankofmaharashtra.in fP /mahabank#30G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE LEH-LADAKH JAMMU AND KASHMIR Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives HIMACHAL PRADESH PUNJAB CHANDIGARH HARYANA NCT OF DELHI UTTARAKHAND → UTTAR PRADESH • SIKKIM BIHAR ASSAM ARUNACHAL PRADESH Products, Services & Awards W M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Bank plans to have atleast one branch in every district of the country. RAJASTHAN 48 120 19 2 45 No. of Branches → TRIPURA Category 26 • NAGALAND Jun 22 Sept 22 Dec 22 Mar 23 Jun 23 GUJARAT 88 178 49 → MIZORAM MADHYA PRADESH Metro 484 488 501 518 545 48 →MEGHALAYA WEST BENGAL MAHARASHTRA 1129 52 → MANIPUR Urban 419 431 448 477 490 ODISHA JHARKHAND Semi Urban 521 542 573 602 621 DADRA AND NAGAR HAVELI AND DAMAN AND DIU CHHATTISGARH GOA 15 39 ANDHRA PRADESH Rural 605 605 606 606 607 74 ANDAMAN & KARNATAKA PUDUCHERRY 0 1 Total Branches 2,029 2,066 2,128 2,203 2,263 NICOBAR ISLANDS TELANGANA TAMIL NADU LAKSWADEEP KERALA 35 67 www.bankofmaharashtra.in fP /mahabank#31G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE www. Follow us: G Toll F Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Products, Services & Awards MAHA GREEN PEHAL (AN ESG INITIATIVE) Electric Vehirde in India: Challenge & Opportunities eco M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक Green Finance Bank has introduced a product Mahabank Green Financing under its various loan segment through which finance is provided for Housing & Vehicle Loans. Concessional benefit in ROI from 0.10% to 0.50% is provided under the scheme Tree Plantation & Green Energy > To encourage & Promote Green energy Bank has installed solar panel at Head office & Bank owned premises. > 1011 trees are planted nationwide as contribution towards making the environment better. E-Waste > Bank has started recycling, disposal of e- waste in eco-friendly manner. For the same Bank has on boarded an agency having expertise in processing & recycling of e-waste. > Discontinuation of Plastic Folders and one time plastic use. Paperless Banking > Bank has implemented application "E-Meeting" for conducting online meeting which significantly reduces the usage of paper in day to day operations at administrative offices. www.bankofmaharashtra.in f P /mahabank#32G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives SB ACCOUNT WITH VIDEO KYC HOME LOAN CREDIT CARD 6524 PLATINUM 1234 576 4012 3456 93/25 CARSHOLDER, SAME VISA MSME LOAN Products, Services & Awards W M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक GOFR LOAN CAR LOAN WhatsApp Banking MOBILE BANKING Know your balance Get mini statement Know your cheque status Request cheque book Know your CF 7066036640 www.bankofmaharashtra.in fP /mahabank#33G20 2023 INDIA वयुधैव कुटुम्बकम् ONE EARTH ONE FAMILY ONE FUTURE BANK OF MAHARASHTRA RETAIL BANK OF THE YEAR Digital Banking Financial Inclusion Expanding Footprints ESG Initiatives Retail Bank of the Year 2023 at India Banking Summit & Awards 2023 ANNUAL FELICITATION PRO AMME Oak H WSDAY, 7 JUN S dia Habitat APY Annual Award at the hands of Shri Vivek Joshi, Hon'ble Secretary, DFS, MOF, GOI CIMSME BER OF IN MICRO SM AND M Pre VA nc Nara Louble M mall and Gove Express Bfsi syndrome Products, Services & Awards M M M बैंक ऑफ महाराष्ट्र Bank of Maharashtra भारत सरकार का उद्यम एक परिवार एक बैंक WINNER BANK OF MAHARASHTR CATEGORY CLOUD 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 BFSI 0G CLAVE 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 BANKS Best M Sid Irian P ANK R HTRA 1 ENTER 1 ha Winner under 'Promoting Social Schemes' category by CIMSME Runner-Up in 'CSR Initiative Bank' & 'MSME Friendly Bank' categories National MSME Awards 2022 नारत at the hands of Hon'ble Prime Minister, Shri Narendra Modi. btm Best Mid Sized Indian Bank Award 2022 by Business Today at the hands of Shri Nitin Gadkari, Union Minister S 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#34Thank you 3:27 PM U 41% BROTO Good Afternoon! Savings Account X0000005115 Avalacle Balance Account Detail Maha BHIM UPI Loan Products Attractive Interest Rates Swipe to Send Money Bill Pay Manage Payee Deposit FD/RD SEAMLESS DIGITAL BANKING EXPERIENCE M M M उदय लोग B गला ॥ + mb Mobile Banking Plus Scan here to download Maha Mobile Plus 1 Debit Card Credit Card Cardless Cach Offers Share QR Oive money instantly by sharing your QR code TO mPassbook Favourite Transactions VAS 08 SIGIL