Shri. Kailasrao (Mama) Sakharam Kodre
Dear Members,
On behalf of the Board of Directors and the Management, I warmly welcome you as we conclude our Golden Jubilee Year and present the 52nd Annual Report of our Bank. Completing 52 years of cooperative service is a proud milestone, made possible by the trust and active participation of our members.
Rooted in the cooperative principles of democracy, inclusion, and community welfare, our Bank has consistently served the middle and lower-income segments, contributing meaningfully to financial inclusion and regional development. From modest beginnings to strong growth in members, deposits, advances, and profitability, our journey reflects collective strength and disciplined progress.
In an era of rapid digital transformation, we continue to modernize our services through UPI, mobile banking, ATM facilities, and doorstep banking for senior citizens, while maintaining strong cyber security and risk management practices. Our unsecured loan schemes and student savings initiatives remain focused on empowering the common man.
With a Capital Adequacy Ratio of 15.89%, healthy reserves, and sustained profitability, the Bank stands financially strong and future-ready. Customer welfare, transparency, staff development, and regulatory compliance remain at the core of our vision.
I sincerely thank our members, Board, and dedicated staff for their continued support. Together, we look forward to building a stronger, safer, and more inclusive cooperative future.
Warm regards,
Chairman
(52nd Annual Report – 2024–25)