Having familiarity with the heritage and culture of RRB Parivar, it gives me immense pleasure in joining the family of Himachal Gramin Bank, sponsored by Punjab National Bank. Land Himachal is known as Deobhumi where honesty, simplicity and attributes of hard working and fighting with natural vulnerability are inherent in each and every one of you. Looking back, we at HGB, can certainly feel proud of our successes in the Regional Rural Bank industry. A 34 year track record of consistent and profitable growth is indeed a great achievement for any organization. There is enough untapped potential available waiting to be exploited. Bank is required to broad base its clientle through expanding reach and spread by way of Financial Inclusion of unbanked population. Our special emphasis and effort are warranted to give a big boost to our CD Ratio by advancing more. Technological advancement in the form of 100% coverage under CBS will also provides us ample opportunities to offer class services to our customers.

LET THE VISION FOR THE F.Y.2010-11 BE ONE TEAM ONE DREAM, TOGETHER WE CAN AND TOGETHER WE WILL