Honorable Members / Brothers & Sisters,

There has been a cuthroat competition amongst banking sectors because of open economy, which has resulted in to starting of various new banks (& their branches) at the district places. Thus, it is need of the hour to strive hard in order to continue our existence in this changing scenario, and to discharge efficient & timely service to the customers is the only remedy that lies before everybody of us Our Board of Directors are continuously striving towards this direction to fully equipped ourselves to cope-up with the changing economic policies of the Govt., competition being faced from our rivals in the field, and the rising expectations of our beloved customers from us.

Of course, India being an Agricultural Economy about 70% of our population is undoubtedly depending on farming as the only source of livelihood. But unfortunately, farming being fully dependent on nature and Indian climate & Monsoon being uncertain factor in terms of rains; many a times our farmers have to face adverse situation like heavy rains or drought which has resulted in to starvation on the part of our farmers. A similar situation has occurred this year in 2014 which delayed the sowing program.