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					                                                                                             Regd off: 2, Netaji Subhas Road, Kolkata - 700 001
ALLAHABAD BANK                                                                               E-Mail:    investors.grievance@allahabadbank.in
                                                                                             Web site: www.allahabadbank.in
                                                                                             Telephone: (033) 2242 0878 Fax: (033) 2210 7424
BANKING                                                                  GOVERNMENT          Tr agent: MCS Ltd., 77/2A, Hazra Road, 3rd & 5th Floor, Kolkata - 700 029
Chairman: K. R. Kamath                                                          SEC: Dina Nath Kumar                                   AUD: D. K. De Sarkar & Co.
Yr of Inc   B. Code      BL. Code      F.V.         Price        % ch 1-m       % ch 12-m      P/E      P/CF            Yield         Mkt cap               Vol.            ISIN
 1865   532480           ALBK:IN       10            88.7          0.2            43.2         3.6          5.0          2.8          39,600.0              63.2        INE428A01015
SHAREHOLDING                                                      FX Transaction (FY09)                             ADJUSTED DAILY SHARE PRICE DATA
Indian Promoters           : 55.2%                Exports (fob)          Rs m        0
Foreign collaborators      :   0.0%
                                                                                                     (Rs)
                                                  Imports (cif)          Rs m        0
Indian inst/Mut Fund       : 14.4%                Fx inflow              Rs m        0         160
FIIs/GDR                   : 10.3%                Fx outflow             Rs m        0                                                                       DAILY
Free float                 : 20.1%                Net fx                 Rs m        0
Shareholders               : 209,905                                                                                                                         100 DMA
                                                                                               120
                           No. of months                   12            12            12
                             Year ending             31/03/07      31/03/08      31/03/09
EQUITY SHARE DATA
                                                                                                80
High                                   Rs                 100            143           95
Low                                    Rs                  52              68           37
Income per share                       Rs               109.3          138.2        164.9
Earnings per share                     Rs                17.0           22.3         17.7       40
Cash flow per share                    Rs                36.0           43.5         37.4
Dividends per share                    Rs                3.00           3.00         2.50
Avg Dividend yield                     %                  3.9            2.8          3.8
                                                                                                 0
Book value per share                   Rs               102.9          120.5        135.1
Shares outstanding (eoy)               m              446.70         446.70       446.70         Aug-06             Jun-07            Feb-08               Nov-08           Aug-09
Bonus/Rights/Conversions                                     -              -            -
Avg Price / Income ratio               x                   0.7            0.8          0.4                               No. of months                 12           12            12
Avg P/E ratio                          x                   4.5            4.7          3.7                                 Year ending           31/03/07     31/03/08      31/03/09
                                                                                              CASH FLOW
Avg P/CF ratio                         x                   3.3            3.5          1.8
Avg Price/Bookvalue ratio              x                  0.7             0.9          0.5    From Operations                         Rs   m       2,227            4,833        -24
Dividend payout                        %                 17.7           13.5         14.1     From Investments                        Rs   m        -628             -684       -946
Avg Mkt Cap                            Rs m            33,949         47,149       29,482     From Financial Activity                 Rs   m       3,922           16,852     -3,084
No. of employees                       `000                20             20           20     Net Cashflow                            Rs   m       5,520           21,001     -4,053
Total wages & salary                   Rs m             6,210          6,902        8,743
Avg. income/employee                   Rs Th          2,396.5        3,073.5      3,600.1                                       INTERIM RESULTS
Avg. wages/employee                    Rs Th            304.7          343.7        427.4                                           2QFY09   3QFY09            4QFY09        1QFY10
Avg. net profit/employee               Rs Th            372.3          495.0        386.4     Operating income            Rs    m    18,460   18,980            19,151        20,082
                                                                                              Gross Profit                Rs    m     4,936    6,041             5,925         6,291
INCOME DATA                                                                                   Gross profit margin         %            26.7     31.8              30.9          31.3
Interest income                        Rs     m        48,839        61,712        73,648     Net profit                  Rs    m       417    3,695             2,641         3,029
Other income                           Rs     m         3,776         9,699        11,513     Net profit margin           %              2.3    19.5              13.8          15.1
Interest expense                       Rs     m        31,318        44,989        52,059
Net interest income                    Rs     m        17,521        16,723        21,589
Operating expense                      Rs     m        10,279        11,583        14,001
Gross profit                           Rs     m         7,242         5,140         7,588
Gross profit margin                    %                 14.8            8.3         10.3
Provisions/contingencies               Rs     m         2,631         3,579         8,249
Profit before tax                      Rs     m         8,440        11,414        10,976
Extraordinary Inc (Exp)                Rs     m             0              0            0
Minority Interest                      Rs     m             0              0            0
Prior Period Items                     Rs     m             0              0            0
Tax                                    Rs     m           852         1,474         3,072
Profit after tax                       Rs     m         7,588         9,940         7,904
Net profit margin                      %                 15.5          16.1          10.7

BALANCE SHEET DATA
Advances                               Rs     m      412,903        497,210       588,018
Deposits                               Rs     m      595,363        716,157       849,665
Credit/Deposit ratio                   x                69.4           69.4          69.2
Yield on advances                      %                 7.9             9.0           9.3
Cost of deposits                       %                  5.1            6.0           5.7
Net Interest Margin                    %                  2.7            2.1           2.3
Net fixed assets                       Rs     m       10,581         10,732        11,115
Share capital                          Rs     m        4,467          4,467         4,467
Free reserves                          Rs     m       22,331         27,466        29,826
Net worth                              Rs     m       45,948         53,841        60,368
Borrowings                             Rs     m        2,571         17,920         9,370
Investments                            Rs     m      188,519        235,573       298,253
Total assets                           Rs     m      677,764        831,035       978,295
Debt/equity ratio                      x                13.0           13.6          14.2
Return on assets                       %                  1.1            1.2           0.8
Return on equity                       %                16.5           18.5          13.1
Capital adequacy ratio                 %                12.5           12.0          13.1
Net NPAs                               %                  1.1            0.8           0.7


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