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 Resources & Capabilities
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 Resources & Capabilities
V AllBank No Frill SB Account
V Special Drive for Current Deposit Mobilization
V Thrust on Cross Selling of products, CMS & DP Business
V Scheme for Channel Financing
V Lending Schemes for Rural Infrastructure & Scheme for Rural Health Care
V Scheme for financing Rural Educational Institutes and Vocational Training
Institutes
V Improving Spreads & Yields on Advances and Investments
V Reducing Costs of Funds & Increasing Higher Margin Fee Based Income
V Reduce Operating Expenses
V Maintain High Asset Quality Standards through Comprehensive Risk
Management
V Develop Technological Capabilities to interconnect their Branch Network and
improve their Services.
V Expand their Presence in International Markets
 Competitive Advantage
V The Bank has increased market confidence and customers' & shareholders'
value .

V The Bank has emerged as growing and dynamic Bank with an enhanced image
and improved visibility.

V CARE has improved the Bond rating of Allahabad Bank from AA to AA+

V The overall rank of Allahabad Bank has graded from 43 to 4 amongst 57 Indian
Banks & leading business daily has ranked Allahabad Bank at 113 as
compared to 136 in the previous year.
V Amongst Nationalized Banks it has placed the growth in market capitalization
as the highest for Allahabad Bank.

V Survey conducted by KPMG on the Best Banks in the country, Allahabad Bank
has been upgraded to the 7th position among the Nationalized Banks.
h

V The areas in which the inherent strength of the
Bank has been acknowledged are basically
Productivity, Profitability, Growth and Asset
Quality.
Benefits for Customers:
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Management Solution.
 





  

 



 Industry Attractiveness
V Solvency-
Capital Adequacy Ratio=13.62%
Coverage ratio=78.95%
V Earning capacity-
ROA=1.16
Net Interest Margin=56.95%
V Profitability
Ratio of operating profit to Average
working=34.05%
 Distinctive competencies

V After the first overseas branch at Hong Kong, the Bank is planning
to expand further in other countries having economic potentiality.
V Steadily bringing eligible branches under Core Banking Solutions
(CBS) platform.
V The Bank plans to come out with Rs.300 crores perpetual Bond
during the last quarter of the year .
V The Bank has improved its performance and established its visibility
and strong presence in the market.
V The Bank is steadily moving at a faster pace to consolidate its
position in the coming days introducing extensive computerization
to ensure the state-of-the-art service comfort for its customers.
V Speedy extension of CBS platform to more branches.
V Introduction of Door Step banking.
V All-Bank Pilot Training Loan Scheme for pilot training.
 Superiority in efficiency
V The Bank has already in hand 116
authorizations for opening of new branches.
V Plan is to expand in areas where the Bank's
business potentiality is good.
V Aggressive marketing of retail products, cross-
selling of insurance and mutual fund products
with more thrust on income generation.
V Renewed thrust on prompt and courteous
Customer Service and Grievance Redressal.
 Superiority in quality
V Allahabad Bank offering banking products and services to Corporate and
Commercial customers and Retail customers.
V Bank's operations for Corporate and Commercial customers cater to large
V corporate customers as well as to small and middle market businesses and
Government entities.
V Corporate and commercial products : corporate and Commercial products
include Term Loans, Bill Discounting Export Credit and other business
credit and financing products.
V The Bank offers a wide range of Retail products including Home Loans,
Personal Loans and Automobile Loans as well as Debit Cards.
V Specialized products and services to the agricultural sector also one of
entity of the bank.
V All the products and services of the bank offered through extensive branch
network, extension counters, ATMs, phone banking and the Internet.
 Superiority in innovation
V To commemorate the Golden Jubilee of Indian Independence, the
Bank launched ³Golden Jubilee Deposit Scheme´ on attractive
terms for all sections of customers.
V The Bank has 126 Retail Banking Boutiques (RRBs) which are
solely focused on retail lending and manned by young and dynamic
officers with specialized training.
V As part of festival bonanza, the Bank has slashed interest rate on
Housing Loan up to 0.75% per annum across the board for loans
sanctioned .
V The Bank has a plan to go into insurance linked business in a bigger
way in near future.
V The Bank organized Housing Loan Camps/Melas for creating an
awareness and popularizing the Housing Loan Scheme among
people in general.
Superiority in customer responsiveness
V The Branch Manager is responsible for the resolution of
complaints/grievances in respect of customer service in branches.
V He will resolve the matter completely to the satisfaction of the customer.
V If not satisfied, the customer will be provided with alternate avenues to
escalate the issue.
V If the Branch Manager feels that he is not in a position to resolve the
complaint he will seek the guidance of Zonal Office and further if required,
Zonal Office may refer the case to the Nodal Officer at Head Office.
V To gather feedback on Customer¶s expectation / requirement / grievances
through personal interaction with customers by bank¶s staff structured
customer meets will be organised at branches one in a month for
improvement in customer service.
V Fifteenth day of each month is earmarked as ³Customer Day´ where a
customer can raise his/her grievance to the offices/branches personally
without any prior appointment.
V Monthly structured customer meetings will be organised in the branches in
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