Financial year 2010-11 has been most satisfying year for the Bank in terms of organic growth as well as achievements. Bank's sustainable growth and achievement thereof is the result of collective result of focused business strategy and leasdership, highly motivated employees, best processes by maintaining the highest standards of governance and management practices. Huge investement made by the Bank in technology, require change of our mindset and functioning atitude. Branches are no longer meant for transaction banking, our branch network is to be used to garner fresh business, new relationships, cross selling, pleasurable interface with the customer's understanding their requirements, providing solutions to their requirements and financial counselling. We have to take advantage of the growing urbanization, improving income levels and rising aspirations of rural based customers. The rural India continues to be a significantly untapped market and presents a major growth opportunity and are sought to address through innovative products and delivery mechanism. Financial Inclusion through ICT based is the key issues for tapping the rural clientele and rural potentialities by linking every people to the Bank platform.

We begin Financial year 2011-12 with a fresh commitment in creating opportunity in all we do, initiative taken by the Bank have been successfully translated into business growth which has been primarily due to the dedicated staff of the Bank. Our customers have always supported us in all our endeavors. We are greatful to them for their continued patronage and encouragement.

Warm Wishes

S.K. Sharma
CHAIRMAN