PRINCIPAL OF MANAGEMENT

TOPIC

PRESENTATION ON ALLAHABAD BANK

SUBMITTED TO SAPNA SURI MAM.

PRESENTED BY ROLL.NO

BRIJESH
RISHAB
SWAPNIL
RAVINDRA
RAMIZ
 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 cr,dep-RRs.114cr,adv-

Rs82 cr.

 2002 : Initial Public offer-Rs100cr.

THE OLDEST JOINT STOCK BANK IN THE COUNTRY

 PROFILE

TOTAL BUSINESS Rs.1,44,415cr

TOTAL DEPOSITS Rs.84,972 cr

CREDIT Rs.59,543cr

INVESTMENT Rs.30,081cr

OPERATING PROFIT Rs 1,901cr

NET PROFIT Rs 769cr

NUMBER OF BRANCHES 2282

INTERNATIONAL OPERATIONS Representatives office at Shenhen,China(2006)

Branch at Hong Ko0ng (2007) .

SUBSIDIARY All bank finance Ltd (1991).

JOINT VENTURE Universal Sompo General Insurance Company

(2006).

REGIONAL RURAL BANKS 3(2 IN UP & 1 IN MP) .

 PROFIT

SR.NO PARTICULARS MAR'O8(Q4) MAR'O9(Q4) MAR'O8 MAR'O9 VARIATION

1 INTERSET INCOME 1693 1915 6171 7365 13.11

2 INTERSET EXPENSES 1277 1323 4499 5206 3.53

3 NII(SPREAD)(1-2) 416 593 1672 2159 42.54

4 OTHER INCOME 287 458 965 1142 59.66

5 OPERATING PROFIT 370 614 1480 1901 66

6 PROVISIONS 200 350 505 1133

OPERATING
7 EXPENSES 333 437 1158 1399 31.22

8 CONRIBUTION -46 22 -193 -258

NET PROFIT 170 264 975 769 55.8

 PROVISIONS

SR.NO PARTICULARS MAR'O8(Q4) MAR'O9(Q4) MAR'O8 MAR'O9 VARIATION

BAD & DOUBTFUL

1 DEBTS 70.86 188.23 268.55 313.23 117.37

2 STANDARD ADVANCCE 8.04 0.09 56.36 20.01 7.95

3 DEPRECIATION ON INV 85.55 23.03 20.4 357.49 -62.52

4 INCOME TAX 24.41 96.42 147.37 307.17 72.01

5 OTHERS 11.6 42.29 12.09 134.05 30.69

6 TOTAL PROVISIONS 200.46 350.06 504.77 1132.55 149.6

 PROFIT : QUARTER TO QUARTER

SR.NO PARTICULARS JUNE'08(Q1) SEPT'08(Q2) DEC'08(Q3) MAR'O9 VARIATION

1 INTERSET INCOME 1706 1846 1898 1915 8.23

2 INTERSET EXPENSES 1237 1352 1294 1323 9.32

3 NII(SPREAD)(1-2) 469 494 604 593 5.34

4 OTHER INCOME 144 131 408 458 -8.37

OPERATING
5 EXPENSES 306 311 346 437 1.55

6 CONTRIBUTION -162 -179 62 22 10.84

7 OPERATING PROFIT 307 314 666 614 2.44

8 PROVISIONS 213 273 297 350 27.23

NET PROFIT 93 42 369 264 -55.36

 BREAK UP : INCOME

SR.NO PARTICULARS MAR'O8(Q4) MAR'O9(Q4) MAR'O8 MAR'O9 VARIATION

1 INTT.ON ADVANCES 1232 1445 4460 5494 17.29

2 INTT.ON INVESTMENTS 456 466 1669 1849 2.17

OTHER INTERSET
3 INCOME 4 4 42 21

4 INTERSET INCOME 1693 1915 6171 7365 13.11

NON-FUND & NON-

5 INTT.INC 143 208 438 524 45.61

6 TRADING PROFIT 124 245 471 573 96.67

7 OTHER INCOME 20 6 56 45

8 TOTAL INCOME 1980 2373 7136 8507 19.86

 BREAK UP : FEE-BASED INCOME

SI NFNI INCOME MAR'07 MAR'08 MAR'09

1 BILLS 64 53 48

2 LC/BG 59 81 102

3 LOCKER RENT 14 14 15

4 PROESSING FEES 55 67 128

5 OTHERS 86 137 142

6 COMMISSION 278 352 435

7 EXXHANGE 81 86 88

8 TOTAL NF/NI 359 438 524

 BREAK UP : EXPENDITURE

SR.NO PARTICULARS MAR'O8(Q4) MAR'O9(Q4) MAR'O8 MAR'O9 VARIATION

1 INTT.PAID ON DEPOSIT 1204 1256 4306 4886 4.35

2 INTT.PAID ON BORROWINGS 73 66 193 320 -9.8

3 TOTAL INTT.PAID 1277 1323 4499 5206 3.53

4 OPERATING EXPENSES 333 437 1158 1399 31.22

5 ESTAB.EXPENSES 195 272 690 874 39.22

OTHER OPERATINGS
6 EXPENSES 137 164 468 526 19.83

7 TOTAL EXPENSES 1610 1759 5656 6606 9.26

 COST & YIELD RATIOS

SI. PARAMETERS(%) MAR'O7 MAR'O8 MAR'O9

1 COST TO DEPOSIT 5.67 6.7 6.62

2 COST TO BORROWINGS 6.21 6.6 7.51

3 COST OF FUND 5.69 6.66 6.67

4 YIELD ON ADVANCES 9.22 10.76 10.88

5 YIELD ON INVESTMENT 7.58 7.43 7.57

6 YIELD ON FUND 8.11 9.26 9.62

7 NET INTERSET MARGIN 2.79 2.61 2.88

 BUSINESS

SI PARTICULARS MAR'07 MAR'08 MAR'09 VARIATIONS

1 TOTAL BUSINESS 101457 121929 144415 20.18

2 TOTAL DEPOSIT 59544 71616 84972 20.28

3 TOTAL ADVANCES 41914 50312 59443 20.04

 DEPOSIT

SI PARTICULARS MAR'07 MAR'08 MAR'09 VARIATIONS

1 TOTAL DEPOSIT 59544 716161 84972 20.28

2 DRI/CD 19002 19976 16635 5.13

2A BELOW CARD RATE 0 0 9704

2B ABOVE CARD RATE 19002 19976 6931 5.13

3 SHARE (%) 31.91 27.86 8.16

4 CORE DEPOSIT 40542 51640 68337 27.28

5 CORE IN TOTAL DEP 68.92 72.11 80.42

6 SB DEPOSIT 18965 20028 22774 5.61

7 CURRENT DEPOSIT 5267 5780 6623 9.74

8 CA SA DEPOSIT 24233 258.8 29398 6.5

9 CA SA DEPOSIT 35.95 36.41 35.08

 INDUSTRY WISE DEVELOPMENT
MAJOR INDUSTRY WISE
SI.NO DEVELOPMENT MAR'O7 MAR'08 MAR'09

1 MINNING & QUARRING 17 43 57

2 FOOD PROCESSING 408 606 721

3 TEXTILES 1133 1428 1768

4 CHEMICAL & CHEMICAL PRODUCTS 1395 1365 1484

4A CEMENT & CEMENT PRODUCTS 174 174 288

5 BASIC METALS & METALS PRODUCTS 2031 1744 3215

5A IRON & STEELS 1755 2349 2676

6 ENGINEERING 1208 1285 2124

7 INFRASTRUCTURE 5357 7303 10052

7A POWER 2252 3382 5129

8B TELE-COMMUNICATION 212 967 1942

INDUSTRY 14617 17907 249448

 NON-PERFORMING ASSETS

SI. PARAMETERS MAR'O7 MAR'O8 MAR'O9

1 OPENING BALANCES 1183.83 1093.59 1010.51

2 RECOVERY IN NPA 274.67 306.1 267.78

3 UPGRADATION 62.66 109.18 179.52

4 WRITE OFF 322.351 286.52 331.32

5 TOTAL REDUCATION 659.84 702.3 778.32

6 FRESH ADDITION 569.6 619.22 846.06

7 NPA AS AT THE END OF YR 1093.59 1010.51 1078.25

8 PROVISIONS 653.4 610.7 656.14

9 NET NPAS 440.19 399.81 422.11

 NPA RATIOS

SI. PARAMETERS MAR'O7 MAR'O8 MAR'O9

1 GROSS NPA (%) 2.61 2 1.81

2 NET NPA 1.07 0.8 0.72

3 PROVISIONS COVERAGE RATIO 57.01 58.55 59.51

4 RECOVERY RATIO 28.5 38.02 38.41

5 SLIPPAGE RATIO 1.97 1.52 1.72

 SECTORAL YIELD & NPAs

SR.NO PARTICULARS 2007-08 2008-09

1 CORPORATE 14800 19425

SHARE IN TOTAL CREDIOT 29.41% 32.68%

2 PSU 8510 10040

SHARE IN TOTAL CREDIT 16.91% 16.89%

3 RETAIL CONSUMPTION 9505 10485

SHARE 18.89% 17.64%

4 RETAIL PRODUCTION 8356 9925

SHARE 16.16% 16.70%

5 AGRICULTURE 9145 9568

SHARE 18.18% 16.10%

6 TOTAL 50316 59448

100% 100%
 TECHNOLOGY

Computerization of all branches (2,260), extension

counters (70) and offices.

ATMs with 884 branches on its networks where

customers can access more than 35,000 VISA & NFS
ATM free of charges across the country.

CBS rolled out in 1916 branches in 436 centers, covering

business over 82%.

Launched internet banking, SMS banking & E-payment

facility .

RTGS implements in 886 branches.

OLTAS implemented in 167 identified branches.

INSTITIUTE OF RESEARCH & Technology – for R &

D and technical education at Panchkula.
 NEW INITIATIVES

STRUCTURAL
 9 filed general managers to expedite business decisions.
 Retail Banking Boutique rejuvenated with Processing
centers.
 BPR cell formed to change/modify systems in line with
CBS environment requirements.

MANPOWER
 Fresh recruitments in line with attrition and tech-backed
banking service requirements.

BUSINESS LINES
 Sale of gold coin, rejuvenation in CMS, thrust on Banc
assurance.
 Loan Syndication Cell.
 LOOKING AHEAD

Business Projection for March 2010

Business Rs 1,75,000 cr

Deposit Rs 1,03,000cr

Advances Rs 72,000cr

December 2010 Rs 2,00,000cr

CBS ROLL OUT

1,200 branches by March 2010

All Branches by December 2010.