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Presentation on Performance JUNE 2010

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

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  1. Presentation on Performance JUNE 2010 WELCOME TO ANALYSTS’ & INVESTORS’

  2. Consistent Growth All The Way

  3. 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

  4. 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)

  5. Branch Network Branches 2,316 as on 30.6.2010 Branch Expansion

  6. Profit Rs. in crores

  7. Profit Excl. Trading Profit Rs. in crores

  8. Provisions Rs. in crores

  9. Break-up : Income Rs. in crores

  10. Sources of Income Sources of Income June 2010 Sources of Income June 2009

  11. Break-up : Fee-based Income Rs. in crores

  12. Break-up : Expenditure Rs. in crores

  13. Cost & Yield Ratios

  14. 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

  15. Profit Ratios

  16. Business Rs. in crores

  17. Deposit Rs. in crores

  18. Advance Rs. in crores

  19. Industry-wise Deployment Rs. in crores

  20. Investment Rs. in crores

  21. Non-Performing Assets Rs. in crores

  22. NPA Ratios

  23. Capital Adequacy Ratio (%) Rs. in crores

  24. Ratios : Productivity & Market Share

  25. Restructured Accounts Rs. in Crore

  26. Sectorwise Restructured Accounts Rs. in Crore

  27. Productivity Rs. in crores Sustained business growth enhanced productivity

  28. Consistent Growth all the way Rs. crore

  29. Shareholding Pattern In per cent As on 30.06.2010

  30. 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)”

  31. 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

  32. 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

  33. Thank You

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