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 – 100 th 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, ) :Rs.705 crore (Q1, ) Net Profit:Rs. 1,206 crore :Rs.347 crore (Q1, ) 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 Branch Expansion Branches 2,316 as on

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 2009 Sources of Income June 2010

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

Break-up : Expenditure Rs. in crores

Cost & Yield Ratios

Quarterly Net Interest Margin in per cent NIM FOR FY 2009 : 2.88 NIM FOR FY 2010 : 2.94 NIM FOR June’2009:3.00NIM FOR June’2010 : 3.10

Profit Ratios

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

NPA Ratios

Capital Adequacy Ratio (%) Rs. in crores

Ratios : Productivity & Market Share

Restructured Accounts Rs. in Crore

Sectorwise Restructured Accounts Rs. in Crore

Productivity Sustained business growth enhanced productivity Rs. in crores

Consistent Growth all the way Rs. crore

Shareholding Pattern In per cent As on

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 BusinessRs.2,20,000 crore DepositRs.1,30,000 crore AdvancesRs. 90,000 crore  December 2010Rs.2,00,000 crore

Thank You