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 – 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

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 Branch Expansion Branches 2,316 as on 30.6.2010

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 2009 Sources of Income June 2010

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’2009:3.00NIM 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 Sustained business growth enhanced productivity Rs. in crores

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

33. Thank You