allbad bankppt (1)

8/8/2019 allbad bankppt (1)

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Industry Attractiveness

Solvency-Capital Adequacy Ratio=13.62%

Coverage ratio=78.95%Earning capacity-

ROA=1.16

Net Interest Margin=56.95%Profitability

Ratio of operating profit to Average

working=34.05%


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Distinctive competencies

After the first overseas branch at Hong Kong, the Bank is planningto expand further in other countries having economic potentiality.Steadily bringing eligible branches under Core Banking Solutions

(CBS) platform.The Bank plans to come out with Rs.300 crores perpetual Bondduring the last quarter of the year .The Bank has improved its performance and established its visibilityand strong presence in the market.The Bank is steadily moving at a faster pace to consolidate its

position in the coming days introducing extensive computerizationto ensure the state-of-the-art service comfort for its customers.Speedy extension of CBS platform to more branches.Introduction of Door Step banking.All-Bank Pilot Training Loan Scheme for pilot training.


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Superiority in qualityAllahabad Bank offering banking products and services to Corporate andCommercial customers and Retail customers.Bank's operations for Corporate and Commercial customers cater to largecorporate customers as well as to small and middle market businesses andGovernment entities.Corporate and commercial products : corporate and Commercial productsinclude Term Loans, Bill Discounting Export Credit and other businesscredit and financing products.The Bank offers a wide range of Retail products including Home Loans,Personal Loans and Automobile Loans as well as Debit Cards.Specialized products and services to the agricultural sector also one of

entity of the bank.All the products and services of the bank offered through extensive branchnetwork, extension counters, ATMs, phone banking and the Internet.


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Superiority in innovationTo commemorate the Golden Jubilee of Indian Independence, theBank launched Golden Jubilee Deposit Scheme on attractiveterms for all sections of customers.The Bank has 126 Retail Banking Boutiques (RRBs) which aresolely focused on retail lending and manned by young and dynamicofficers with specialized training.As part of festival bonanza, the Bank has slashed interest rate onHousing Loan up to 0.75% per annum across the board for loanssanctioned .The Bank has a plan to go into insurance linked business in a bigger

way in near future.The Bank organized Housing Loan Camps/Melas for creating anawareness and popularizing the Housing Loan Scheme among

people in general.


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Superiority in customer responsiveness

The Branch Manager is responsible for the resolution of complaints/grievances in respect of customer service in branches.He will resolve the matter completely to the satisfaction of the customer.If not satisfied, the customer will be provided with alternate avenues toescalate the issue.If the Branch Manager feels that he is not in a position to resolve thecomplaint 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.To gather feedback on Customers expectation / requirement / grievances

through personal interaction with customers by banks staff structuredcustomer meets will be organised at branches one in a month for improvement in customer service.Fifteenth day of each month is earmarked as Customer Day where acustomer can raise his/her grievance to the offices/branches personally

without any prior appointment.Monthl structured customer meetin s will be or anised in the branches in


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S trategic initiatives

Resources Mobilization Out of the incrementaldeposit mobilized during the year, more than 90% iscore deposit reducing Bank s high cost bulk depositcomponent by about 5%.DEPLOYMENT-Lending Schemes for rural India i.efinancing of supply chains, Debt Swapping SchemeCAPACITY BUILDING-Integrated model of training forfarmers/rural entrepreneurs, TechnologicalUpgradationHuman Capital- HR Initiatives, CorporateCommunications, Human Resources restructuring


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S trengths

High standard regulatory environment.

Flexible work permit system and good quality

staff offering personal client service.


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allbad bankppt (1)

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