18th October 2010    *EdelStar - Buy ALLAHABAD BANK LTD
CMP: Rs. 237.4 Target Price: Rs. 275.0*
<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~http://www.edelweiss.in>
Our EdelStar for the week is Allahabad Bank Ltd (Edelweiss. in Code:
ALLBAN<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~http://www.edelweiss.in/company/Allahabad-Bank.html>)
- has a pan-India presence with the sixth largest network of 2,316 branches
across India as on Q1FY10, and a strong presence in the eastern region.
Nearly 70% of the bank’s branches are in Uttar Pradesh and eastern India.
Its market share in advances and deposits was at 2% and 2.2%, respectively,
as on June 2010, its market cap is Rs. 108.3bn and its balance sheet of Rs.
1.2tn.
Allahabad Bank dominates the banking sector in central and eastern India.
Its network, comprising 2,316 branches, is sixth largest in the country and
accounts for 3% of the branch network all over the country. Even though UP
and Bihar account for ~40% of its branch network, the contribution from
these regions to the bank’s loan portfolio is less than 25%. The new
management is increasingly focusing on expanding its reach in southern
India, western Maharashtra and Gujarat, thereby lowering the concerns
regarding its dominant presence in high risk, low returns states.
Despite 20% plus RoE, the bank trades at significant discount to its peers,
mainly due to technological backwardness and poor perception of its asset
quality. In our view, with the change in management, technology initiatives
(through CBS rollout), economic development in eastern states and inroads
into other locations, the present discount is likely to narrow down in the
future.

Click here to view the detailed EdelStar report on
ALLBAN<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~https://secure.edelweiss.in/?f=s&URL=strategies/strategydetails.aspx?stat=3544>

   - EdelStar reports have been consistent in giving returns to
investors. Click
   here to view previous
performance<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~http://www.edelweiss.in/cas/images/pow/edelstar_Pr.html>.

   - EdelStar looks for opportunities in fundamentally strong stocks. Is
   EdelStar for you? Click here for EdelStar product
note<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~http://www.edelweiss.in/cas/images/pow/edelstar_PN.html>.


      *Ease of Execution on Edelweiss.in.* Edelweiss.in offers you to
execute strategies easily. Visit the ALLBAN report on
Edelweiss.in<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~https://secure.edelweiss.in/?f=s&URL=strategies/strategydetails.aspx?stat=3544>and
click on the BUY button.

You can also call your equity advisor or 1800-102-3335 (toll-free)
*OTHER HIGHLIGHTS*    *EDELWEISS TOP PICKS*
Monthly Report recommending our research team’s top picks – fundamental and
technical. Click
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download this month’s report
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Identify three stocks every week on the basis of technical analysis. Click
here<http://md2.maildirect.in/reports/link.htm?~ZGV2dWJsdEB5YWhvby5pbn4xMjg3MTQ2ODM0fjE1MjM4XzQxMX4yMDEwMTB+VA@@~http://www.edelweiss.in/cas/triggermailer/pdf/edel-wtp_PN.pdf>to
view the product note.
       Call: 1-800-1023335 (Toll Free) SMS: EDEL to 5757590 Mail:
[email protected]<http://in.mc950.mail.yahoo.com/mc/[email protected]&subject=EdelStar>
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*Disclosure:*
The author of this report does not hold shares in the company.

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