ALLAHABAD BANK:

CORPORATE AND RETAIL

BANKING
Alok Saurabh Roll No: 03
Eshan Bhatt Roll No: 19
Lakshmi Bele Roll No:
Rajeev Ranjan Roll No: 37

INCOME STATEMENT
Variations
Parameter

Dec 14

Sep
15

Dec 15 (%) over Sep-15

(%) over Dec-15

Interest Income

4941

4852

4619

-4.81

-6.53

Interest Expense

3334

3230

3202

-0.87

-3.95

Net Interest
Income

1607

1621

1416

-12.66

-11.88

Non Interest
Income

446

465

412

-11.53

-7.63

Operating
Expenses

978

928

968

4.26

-1.08

Provisions

911

982

1347

37.17

47.87

Net Profits

164

177

-486

-374.5

-396.23

NPA RATIOS

S.
No.

Parameters

Dec 14

Mar 15

Sep 15

Dec 15

Total
Advances

146652

153095

151949

153181

GNPA

Amount

8012

8358

7986

9802

Ratio

5.46

5.46

5.26

6.40

Amount

5578

5979

5360

6308

Ratio

3.89

3.99

3.61

4.23

NNPA

COMPETITOR ANALYSIS

Cummulative IS Gap
30000
25000
20000
15000
10000
5000
0
-5000
-10000

Cumulative Gap 2015

Cumulative Gap 2014

Maturity Buckets
Day 1
2-7 Days

Liabiliti Size of Cumulative Gap Cumulative Gap

Assets
es
Gap
2015
2014
653.91 4525.5 -3871.59

-3871.59

162.54

261.04

230.16

-3641.43

10.99

30.88

8-14 Days

1305.08 484.87

820.21

-2821.22

63.82

15-28 Days

333.12 206.43

126.69

-2694.53

102.87

29-30 Days
Over 3 Months to 6
Months
Over 6 Months to 1
year
Over 1 year to 3
years
Over 3 years to up
to 5 years
Over 5 years

3670.86 3613.71 57.15

29229.0
8
3621.99 25607.09

-2637.38

664.98

22969.71

1592.02

2718.39 1764.32 954.07

23923.78

277.92

1565.05 1240.08 324.97

24248.75

103.84

2211.78 3151.59 -939.81

23308.94

416.24

23765.24

1116.06

854.34 398.04

456.3

Share Price 2014-15

140
120
100
80
60
40
20
0

Particulars

Mar2015

Share Capital Equity - Issued

Deposits

Total

Assets

GOI/State Govt
Securities

asset

Mar2014
5713.79

Interest
rates
assumed

Durations
assumed

5446.09

1934240.47 1908428.08

6.73

457020.01 499425.37

10.04

7.49

Debentures & Bonds

50981.22

62273.78

1.5

Term Loans

801670.4 733881.35

10.32

2.25

3.45670519
3.456459467
2