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Presentation on Performance JUNE 2010. WELCOME TO ANALYSTS’ & INVESTORS’. Consistent Growth All The Way. A Brief History. 1865 : Founded by a group of Europeans at Allahabad , 1920 : Passed into the fold of P & O Banking Corporation (POBC), 1923 : Head Office shifted to Kolkata,
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Presentation on Performance JUNE 2010 WELCOME TO ANALYSTS’ & INVESTORS’
Consistent Growth All The Way
A Brief History • 1865 : Founded by a group of Europeans at Allahabad, • 1920 : Passed into the fold of P & O Banking Corporation (POBC), • 1923 : Head Office shifted to Kolkata, • 1927 : Chartered Bank took over (POBC) – Allahabad Bank became a subsidiary of Chartered Bank, • 1965 : Centenary Celebration – 100th Branch at Ranchi, • 1969 : Nationalization - Business – Rs.196 crore Dep. – Rs.114 crore, Adv. – Rs.82 crore, • 2002 : Initial Public Offer – Rs.100 crore, • 2005 : Follow on Public Offer – Rs.100 crore, THE OLDEST JOINT STOCK BANK IN THE COUNTRY
A Profile Total Business : Rs.1,84,039 crore, Total Deposits : Rs. 1,08,320 crore, Credit : Rs. 75,718 crore, Investment : Rs. 36,440 crore, Operating Profit : Rs. 2,549 crore (FY,2009-10) : Rs. 705 crore (Q1,2010-11) Net Profit : Rs. 1,206 crore : Rs. 347 crore (Q1,2010-11) Number of Branches : 2,316, International Operations : Representative Office at Shenzhen, China (2006) Branch at Hong Kong (2007) Subsidiary : AllBank Finance Ltd. (1991) Joint Venture : Universal Sompo General Insurance Company (2006) Regional Rural Banks : 2 (1in UP & 1 in MP)
Branch Network Branches 2,316 as on 30.6.2010 Branch Expansion
Profit Rs. in crores
Profit Excl. Trading Profit Rs. in crores
Provisions Rs. in crores
Break-up : Income Rs. in crores
Sources of Income Sources of Income June 2010 Sources of Income June 2009
Break-up : Fee-based Income Rs. in crores
Break-up : Expenditure Rs. in crores
Quarterly Net Interest Margin in per cent NIM FOR FY 2009 : 2.88 NIM FOR FY 2010 : 2.94 NIM FOR June’2009:3.00 NIM FOR June’2010 : 3.10
Business Rs. in crores
Deposit Rs. in crores
Advance Rs. in crores
Industry-wise Deployment Rs. in crores
Investment Rs. in crores
Non-Performing Assets Rs. in crores
Capital Adequacy Ratio (%) Rs. in crores
Restructured Accounts Rs. in Crore
Sectorwise Restructured Accounts Rs. in Crore
Productivity Rs. in crores Sustained business growth enhanced productivity
Consistent Growth all the way Rs. crore
Shareholding Pattern In per cent As on 30.06.2010
New Initiatives Technology • Instant ATM-cum-Debit Card Facility, • Hassle –free Internet Banking & SMS Banking, • NEFT/RTGS implemented in all CBS branches, • OLTAS implemented in all CBS branches, • Payment of Taxes through Net Banking, • Bank being Self Certified Syndicate Bank with SEBI started providing facility under ASBA (Application Supported by Blocked Amount) Phase II for IPO • Tie-up with M/S UAE Exchange & Financial Services Ltd. for Inward Money Transfer System through Xpress Money & MoneyGram Channels, Corporate Social Responsibility • Two more RSETIs opened at Dumka (Jharkhand) & Banda (UP), • Launching of “Financial Literacy and Credit Counselling Centre (FLCC)”
New Initiatives Structural • 27 Centralised Retail Banking Boutiques & 75 Retail Banking boutiques operationalised to boost Retail Credit, • 100 Nodal/Point of Sale Branches designated for Sale of Gold Coin Business, Business Lines • New Scheme for financing Doctors/Medical Practitioners clinic/nursing homes etc • New Housing Schemes for NRIs/POIs & High Networth Individuals • Structured Products for Rice Shelling Units, Construction Contractors, AllBank Liquid Scheme for Artiyas etc., • Online application of Retail Loans through Internet at 27 centres introduced, • Tie-Up Arrangements with M/S Rasandik Engineering Industrial India Ltd. finalised for financing three-wheelers • Thrust on Bancassuarance,CMS&LoanSyndication continue
Looking Ahead • Business Projection for March 2011 - Business Rs.2,20,000 crore Deposit Rs.1,30,000 crore Advances Rs. 90,000 crore • December 2010 Rs.2,00,000 crore