CHAIRMAN’S MESSAGE

Dear Patrons,

Let me extend my hearty greetings to all our valued customers and well wishers. I consider it a great privilege to associate myself with this Great Organisation, NMGB, which has a hallowed past, illustrious present and a glorious future. Through its dedicated and customised service to the clientele for well over three and half decades, NMGB has carved out a niche for itself, and is rated as one among the 10 best Regional Rural Banks (RRBs) in the country. With a dominant presence in large parts of Kerala, and with a business of around Rs.6,200 Crore, the Bank is poised to make it big with the expansion of branch network from 214 to 230 and a business level of Rs.6,500 Crore, by March,2013.

Fundamentals of our Bank are very strong, with a reserve of over Rs.200 Crore and a comfortable Capital Adequacy Ratio of 13.22 per cent. As a fully Government owned undertaking, NMGB has been in the forefront of implementing various Govt. formulated policies and schemes, fulfilling its social commitments. NMGB has taken the message of banking to the common man in the remote villages of Kerala. Progress being an ongoing process, we have embarked upon various measures such as technological upgradation, one-stop banking, etc., to keep abreast of the times and to dispense all-encompassing services to our valued customers. With all our branches fully networked and with the newly implemented ATM/RTGS/NEFT/SWIFT facilities, our market presence will be more pronounced. We will also be adding Net Banking and ATM services very shortly.

NMGB has always been close to our customers and they too have reciprocated in good measure, for which we are highly indebted. In our march to emerging as the Number 1 RRB in the country, I solicit the patronage and assistance of all in profuse measures.

With warm regards,

MADHU.P

(Chairman)