Dear Esteemed Shareholders and Valued Customers,

I hope this message finds you in good health and high spirits.

As we reflect on bank's journey and progress over the past financial year, I am filled with a profound sense of gratitude and optimism. Your unwavering support and confidence in this institution have been pivotal in driving bank's achievements and shaping its future.

Your belief in promoter's vision goes beyond mere financial metrics and has been instrumental in bank's journey. It's about our shared commitment to fostering positive change and achieving excellence in all aspects of bank's operations. Bank has made meaningful strides in enhancing its organizational culture, improving customer Relations, operational efficiency,expanding market reach, and advancing sustainability initiatives. Bank's strategic initiatives are designed not only to strengthen its competitive position but also to ensure sustainable long-term growth.

Your trust and patronage are the foundation of bank's success. Bank's management understands that the banking landscape is evolving rapidly, so, bank is committed to staying ahead of these changes to better serve you. Customer-centric approach is at the core of everything bank does. So, it is continuously seeking ways to enhance your banking experience.

Bank have introduced several new services and digital solutions aimed at making banking more convenient and accessible for you. Goal is to provide you with innovative tools that support your financial well-being. It is also investing in employee training and development to ensure that you receive exceptional service every time.

These efforts have led to notable improvements in bank's financial performance, its workplace environment and operational metrics. Bank's management is dedicated to offer optimal financial choices and providing unparalleled client service. Moving forward, bank will continue to pursue strategies that balance potential benefits with strategic goals, exploring new options and opportunities, ensuring that it remain resilient and adaptable in a dynamic market environment.

The future holds exciting opportunities and challenges, and bank is prepared to navigate them with confidence and agility. Bank's management's strategic priorities includes becoming a scheduled co-operative bank, further digital transformation, expanding product offerings, and deepening its engagement with you. We believe that by staying true to its core values of integrity, excellence, and customer focus, it will continue to achieve remarkable milestones and build lasting relationships.

The recent passing of your beloved Chairperson, Smt. Saubhagya gangwar has left a deep void in our hearts and our organization. Her absence is profoundly felt, as her leadership and vision were integral to our journey. We honour her memory by continuing to strive for excellence and remain committed to carrying forward her legacy with the same dedication and passion. Your support is invaluable while we deal with this challenging time.

Our new chairperson, Smt. Shruti Gangwar joins us with a vibrant energy and a forward-thinking mind-set. Her dynamic approach will certainly uplift our organization and inspire our team. With a keen vision for the future, we are confident that her leadership will drive us forward and open new avenues for growth. This new chapter promises optimism and renewed drive for our organization.

Looking Ahead:

I'm truly honoured and deeply grateful for the warm wishes and support I've received as I take on this new role as governor of Jharkhand state. Becoming governor is not just a personal milestone, but a shared achievement that would not have been possible without your incredible support, love, and inspiration. Your encouragement has been my anchor, and your belief in me has made this journey possible and meaningful.

Thank you all for standing by me all these years. I'm determined to make you proud and to continue making a difference with your support.

In closing, I want to express my sincere appreciation for your ongoing support to bank. It is your partnership that fuels its passion and drives its success. Together, we are shaping a prosperous future and creating lasting value.

Thank you once again for your trust and commitment.