Allahabad Bank (ALBK) - Financial and Strategic SWOT Analysis Review by GlobalData

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									                  Allahabad Bank (ALBK) - Financial and Strategic SWOT Analysis
                                             Review
        Reference Code: GDFS34908FSA                                                                                             Publication Date: OCT 2012

          2, Netaji Subhas Road                              Phone             +91 33 22319144                      Revenue         155,276.70 (million INR)
          Kolkata, West Bengal                               Fax               +91 33 22107425                      Net Profit      18,655.10 (million INR)
          700001                                             Website           www.allahabadbank.com                Employees       22,000
                                                                               ALBK [National Stock
          India                                              Exchange                                               Industry        Financial Services
                                                                               Exchange of India]

       Company Overview
       Allahabad Bank is an India-based joint stock bank. It offers a range of deposit products, retail credit products and other credit
       products. Its deposit products include flexi fixed deposits, no-frills savings bank account, premium savings bank account, current
       plus deposit scheme, and Sishu mangal deposit scheme among others. The bank’s retail credit, gold loan, bike loan, and housing
       loan for NRI’s (Non residential Indians). Allahabad Bank’s other credit products include kisan credit card, kisan shakti yojana, and
       AllBank-Expo.
       Key Executives                                                                SWOT Analysis
                      Name                                 Title                      Allahabad Bank, SWOT Analysis
         J.P. Dua                            Chairman                                 Strengths                                Weaknesses
         D. Sarkar                           Director
                                                                                                                               Revenue Concentration
         M. R. Nayak                         Director                                 Improving Net Interest Margin
                                                                                                                               Increase in Non Performing
         R.M.Chaturved                       Director                                 Adequate Capital
                                                                                                                               Assets
         Gour Das                            Director
        Source: Annual Report, Company Website, Primary and Secondary
        Research, GlobalData                                                          Opportunities                            Threats

       Share Data                                                                     Strategic Initiatives                    Competitive Indian Banking
         Allahabad Bank                                                                                                        Sector
                                                                                      Positive Economic Outlook:
        Share Price (INR) as on 25-Oct-                               139.20          India                                    Basel III Norms on Capital
        2012                                                                                                                   Requirements
        EPS (INR)                                                      39.16
        Market Cap (million INR)                                      71,354         Source: Annual Report, Company Website, Primary and Secondary Research,
                                                                                     GlobalData
        Enterprise Value (million INR)                                21,296
        Shares Outstanding (million)                                     500
       Source: Annual Report, Company Website, Primary and Secondary
       Research, GlobalData

       Financial Performance




       Source: Annual Report, Company Website, Primary and Secondary
       Research, GlobalData




Allahabad Bank (ALBK) - Financial and Strategic SWOT Analysis                                                                     Reference Code: GDFS34908FSA
Review
Source : www.globalcompanyintelligence.com                                                                                                                     Page 1
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       Table of Contents
       Table of Contents ............................................................................................................................................................................... 2
          List of Tables .................................................................................................................................................................................. 3
          List of Figures ................................................................................................................................................................................. 3
       Section 1 - About the Company.......................................................................................................................................................... 4
       Allahabad Bank - Key Facts ............................................................................................................................................................... 4
       Allahabad Bank - Key Employees ...................................................................................................................................................... 5
       Allahabad Bank - Key Employee Biographies .................................................................................................................................... 6
       Allahabad Bank - Major Products and Services ................................................................................................................................. 7
       Allahabad Bank - History .................................................................................................................................................................... 8
       Allahabad Bank - Company Statement .............................................................................................................................................. 9
       Allahabad Bank - Locations And Subsidiaries .................................................................................................................................. 12
          Head Office ................................................................................................................................................................................... 12
          Other Locations & Subsidiaries ..................................................................................................................................................... 12
          Joint Venture................................................................................................................................................................................. 13
       Section 2 – Company Analysis ......................................................................................................................................................... 14
       Allahabad Bank - Business Description ............................................................................................................................................ 14
       Allahabad Bank - Corporate Strategy ............................................................................................................................................... 15
       Allahabad Bank - SWOT Analysis .................................................................................................................................................... 16
          SWOT Analysis - Overview........................................................................................................................................................... 16
          Allahabad Bank - Strengths .......................................................................................................................................................... 16
             Strength - Improving Net Interest Margin .................................................................................................................................. 16
             Strength - Adequate Capital ...................................................................................................................................................... 16
             Strength - Established Market Presence ................................................................................................................................... 16
          Allahabad Bank - Weaknesses ..................................................................................................................................................... 16
             Weakness - Revenue Concentration ......................................................................................................................................... 16
             Weakness - Increase in Non Performing Assets ....................................................................................................................... 16
          Allahabad Bank - Opportunities .................................................................................................................................................... 17
             Opportunity - Strategic Initiatives .............................................................................................................................................. 17
             Opportunity - Positive Economic Outlook: India ........................................................................................................................ 17
             Opportunity - Growth in Mobile Banking: India .......................................................................................................................... 17
             Opportunity - Government Initiatives ......................................................................................................................................... 17
          Allahabad Bank - Threats ............................................................................................................................................................. 17
             Threat - Competitive Indian Banking Sector .............................................................................................................................. 17
             Threat - Basel III Norms on Capital Requirements .................................................................................................................... 18
             Threat - Lower Interest Rates Environment............................................................................................................................... 18
       Allahabad Bank - Key Competitors ................................................................................................................................................... 19
       Section 3 – Company Financial Ratios ............................................................................................................................................. 20
       Financial Ratios - Capital Market Ratios........................................................................................................................................... 20
       Financial Ratios - Annual Ratios ...................................................................................................................................................... 20
       Performance Chart .............................................................................................
								
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