Corporate Presentation. September 2017

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1 Corporate Presentation September 2017

2 CONTENTS 01 CORPORATE OVERVIEW 02 GEOGRAPHICAL PRESENCE 03 FINANCIAL INCLUSION: MICROFINANCE 04 FINANCIAL HIGHLIGHTS 05 BOARD OF DIRECTORS AND MANAGEMENT PROFILES

3 01 CORPORATE OVERVIEW

4 AN OVERVIEW Overview Shivalik Mercantile Co-operative Bank Ltd., originally registered in UP as a co-operative bank, was granted the license to conduct banking operations in Saharanpur district by Reserve Bank of India in September, The bank commenced operations in September, Since then, Shivalik Bank has come a long way, expanding its footprint in multiple states. The Bank successfully acquired a weak co-operative bank in Madhya Pradesh in As a result, it was deregistered from UP Co-operative Societies Act, 1965 and was re-registered under the Multistate Co-operative Societies Act, 2002, thereby becoming the first Multi-state Urban Cooperative Bank of Uttar Pradesh. Presently, the Bank s area of operation extends to Uttar Pradesh, Delhi and parts of Madhya Pradesh and Uttrakhand. Headquarter Strengths The Bank is registered in Saharanpur, with the Head-office split between Saharanpur and Noida. The Bank presently has 24 branches, with 7 more in pipeline, and 12 business correspondent offices spread over the states of Uttar Pradesh and Madhya Pradesh. Being the first and largest multi-state co-operative bank of Uttar Pradesh, Shivalik Bank offers an unparalleled range of technologies which places banking at the fingertips of their consumers. The Bank is leveraging technology and its knowledge to extend its reach into the last mile and offer financial services for the masses.

5 VISION To serve the lowest strata of society with the best products at the best prices and the best technology driven customer service, at the same time being a model employer for the national industry and emerging as a global role model in the small banking sector.

6 VALUES

7 THE JOURNEY 1998 First branch starts functioning in Saharanpur 1999 Achieves full branch computerisation, first in Saharanpur district 2002 Second branch starts functioning Setup a separate corporate office at Hakikat Nagar Achieves a deposit base of more than Rs. 100 Cr and becomes a Tier-II bank covering the entire State of Uttar Pradesh Becomes the first and only multi-state cooperative bank of Uttar Pradesh Opens a branch in Dhar, Madhya Pradesh after acquisition of Bhoj Nagarik Sahakari Bank Maryadit Achieves complete Core Banking (CBS) status

8 THE JOURNEY Opens a branch in Indore, Madhya Pradesh after acquisition of Malwa Commercial Cooperative Bank Limited Starts issuing RuPay ATM cum Debit cards Installs ATMs at all branches Starts opening business correspondent offices in remote areas in Uttar Pradesh and Madhya Pradesh Changes CBS platform to world-class Profile software, developed by FIS, a Fortune 500 company and a world leader in banking technology Achieves Net Worth INR 50 crores Completes installation of CDMs and ATMs across branches and BC offices Becomes the first co-operative bank in North India to issue debit cards for online / PoS shopping Collaborates with merchants to offer in-house PoS devices for electronic payments Launches SMS-based enquiry application Launches net banking and Mobile Banking

9 THE JOURNEY Becomes the first bank to launch cloud based RTGS/NEFT services Launches NACH and NECS to improve the Bank s payment system Implemented Anti-Money Laundering package (AML) Launches Green PIN Paperless ATM PIN Becomes compliant with Direct Benefit Transfer (DBT) Installs solar panels at ATMs in remote locations to maintain uptime and to reduce the carbon footprint Launches Account opening via Micro ATMs Implemented e-kyc authentication Launches e-commerce transactions for debit card holders Goes live on IMPS Sets up a second Head office at Noida Receives RBI approval to open 10 new branches in U.P. and M.P.

10 ACCOLADES Banking Service Excellence Award In 2017, Shivalik Bank has received Banking Service Excellence Award For Technology in All India Urban Co-operative Banking Summit held in Bangalore, organized by The Karnataka State Co-operative Urban Banks Federation Ltd. The Best I.T. Head FCBA Award 2016 In 2016, Shivalik Bank has received The Best I.T. Head Frontiers In Cooperative Banking Awards (FCBA) Award by Banking Frontiers. This award is given to Best IT Head who has spearheaded the IT initiatives for at least 3 years and has formulated and implemented the technology mission of the bank to help it excel in achieving business results using technology. Certificate of Excellence In 2015, Shivalik Bank has been adjudged with India s Top 100 Co-operative Banks Awards and received Certificate of Excellence by BitStream Mediawoks, one of the fastest growing technology media, events and integrated marketing companies in the Asia Pacific region.

11 ACCOLADES The Best Youth CEO In 2015, Mr. Suveer Kumar Gupta, the MD & CEO of the Bank has been awarded The Best Youth CEO under Mid-Sized Co-operative Bank category in the Frontiers In Cooperative Banking Awards (FCBA) Awards by Banking Frontiers one of the leading magazines in the coop banking sector. Young Achiever s Award In 2015, Bank has received Young Achiever s Award by Hindustan Media Ventures, a leading newspaper in North India.

12 PRODUCTS AND SERVICES Deposits Savings Fixed Deposits Flexi Recurring Deposits Current Door-to-Door Deposit Loans Digital Services Add-on Services Home Loans Personal And Consumption Loans Gold Loans Car/Auto Loans Two-Wheeler Loans Loans for Working Capital Reverse Mortgage Loans Roof Top Solar Loans Loans to Professionals And Self Employed Commercial Vehicle Loans Loans for Micro/SSI Units Retail Traders Loans Commercial Building Loans Self Help Groups (SHG) And Mini SHG Loans Against Warehouse Receipts Shivalik Green Card (Kisan Credit Card) Net Banking Mobile Banking Debit Card ATM Banking Recyclers SMS Banking AEPS (Adhaar Enabled Payment System) e-commerce POS Machine Insurance Remittances Lockers Fund Transfer (RTGS/NEFT/IMPS/NACH) Business Correspondents Forex PAN Card services

13 DIGITAL SOLUTIONS Mobile Banking Net Banking Debit Cards

14 DIGITAL SOLUTIONS m-atm Recycler

15 DIGITAL SOLUTIONS Digital Solutions Mobile Banking Net Banking Debit Card Account Details IMPS NEFT/RTGS Requests Discounts & Cashbacks Prepaid Recharge Bill Payment Fund Transfer Account Details Create FDs Download Statements Block Lost Cards POS e-commerce

16 DIGITAL SOLUTIONS Digital Solutions Recycler m-atm Cash withdrawals Cash Deposits Account Opening NEFT/Fund Transfer Deposit Withdrawal Balance Enquiry Mini Statement Requests Digital SHG Module AEPS transaction Aadhar seeding/linking

17 02 GEOGRAPHICAL PRESENCE

18 UTTAR PRADESH

19 MADHYA PRADESH

20 03 FINANCIAL INCLUSION: MICROFINANCE

03 3.1 FINANCIAL INCLUSION Shivalik Mercantile Co-operative Bank is a pioneer in the co-operative sector focusing on financial inclusion.

21 FINANCIAL INCLUSION Shivalik Mercantile Co-operative Bank is a pioneer in the co-operative sector focusing on financial inclusion. The bank started micro-finance to help self-help groups (SHGs). All members of the groups are women, belonging to the marginalized sector. Bank has connected more than 7000 SHGs comprising approximately 95,000 individuals to its micro-finance program.

22 EMPLOYMENT GENERATION Cottage And Village Industries

23 EMPLOYMENT GENERATION Garment Making

24 EMPLOYMENT GENERATION Retail Shop

25 EMPLOYMENT GENERATION Assistance in marketing tie-ups with large industries

03 3.3 BENEFIT TO SHG MEMBERS Higher literacy rate among women and children Desire to save money Free

26 BENEFIT TO SHG MEMBERS Higher literacy rate among women and children Desire to save money Free from Money Lenders (Saahukars ) Higher confidence level during social interaction Higher family income

27 04 FINANCIAL HIGHLIGHTS

28 CAPITAL

29 DEPOSITS AND ADVANCES

30 PROFITABILITY

31 PROFITABILITY

32 NPA s

33 EMPLOYEE PRODUCTIVITY

34 05 BOARD OF DIRECTORS AND MANAGEMENT PROFILES

05 CHAIRMAN Education and Qualification Graduate of Mechanical Engineering from IIT - BHU Total Experience 50+ Years Shri Yashvir Kumar Gupta Chairman Overall Experience He has been with Bank since

35 05 CHAIRMAN Education and Qualification Graduate of Mechanical Engineering from IIT - BHU Total Experience 50+ Years Shri Yashvir Kumar Gupta Chairman Overall Experience He has been with Bank since inception. Started the Bank after troubled by the poor quality of customer service in nationalized banks. He set up the bank in 1998 to provide a rich delightful banking experience to all classes. Before joining Shivalik, he left his job from Hindustan Aeronautics Limited (HAL) to join the family business of agriculture and agri-trading. He was keen on introducing latest technology and scientific know how into traditional agricultural methods. Today his expertise in agriculture is well acknowledge and his orchard is rated amongst the best in the region. He is actively been participating in various social and charitable activities in around the area. He has been instrumental in setting up a school for girls and police station and various other public service setups in his native village.

36 05 BOARD OF DIRECTORS Mr. Shiv Puran Gulati Vice Chairman Qualification - B.A. Mr. Sudhakar Agarwal Director Qualification - B.Sc., B.Pharma. CA Sanjay Gupta Director Qualification - FCA Dr. Sanjeev Mittal Director Qualification - M.D. Mr. Sarvesh Singhal Director Qualification - LL.B. Dr. Kamal Kant Director Qualification - M.D. Mr. Anvesh Garg Director Qualification - Intermediate Mr. Vijay Kumar Dhingra Director Qualification M.Com. (Former Banker) Mr. Satyasheel Rao Panwar Director Qualification - B.A.

37 05 MD & CEO Education and Qualification B.Tech. (Electrical) Hons. From NIT, Kurukshetra Total Experience 20+ Years Suveer Kumar Gupta MD & CEO Joined the Bank in 1998 to support the vision of Chairman. In his leadership Bank has attained heights of success and appreciation. Overall Experience Being the next year leader his focus is on improving service experience and enhance technology. Under his guidance bank acquired two banks of Madhya Pradesh to take lead in this segment.

38 05 GENERAL MANAGER Education and Qualification B.Com. From Lucknow University and Diploma in Works Procurement Management From International Training Centre, Italy Total Experience 40+ Years Chandra Prakash Agarwal General Manager Overall Experience Mr. Agarwal has been working with the bank since 2003 currently. He is handling the work related to Investment. Before joining the bank, he has worked in multiple organizations and government of UP. He was also involved with one World bank financed project as a Sr. Manager Procurement where he headed the Procurement Department and managed procurement of goods, civil works and selection and employment of consultants for the project ensuring the compliance for procurement laid by IBRD. He has worked as a research officer for externally aided project department, Govt. of UP. He has also worked in UP Bhumi Sudhar Nigam (A govt. of UP Enterprise) as a Procurement Manager, UP Instruments Ltd. as an accounts officer, Auto Tractors Ltd. as an Asst. accounts officer, was responsible for the maintenance of proper books of accounts and finalization of annual accounts.

05 GENERAL MANAGER Education and Qualification M.Sc. (Finance) From University of Strathclyde Business School, Scotland, United Kingdom and B.Com. (Hons.

39 05 GENERAL MANAGER Education and Qualification M.Sc. (Finance) From University of Strathclyde Business School, Scotland, United Kingdom and B.Com. (Hons.) From University of Delhi Total Experience 17+ Years Gaurav Mittal General Manager Overall Experience Gaurav Mittal has been working with the bank since He is responsible for P&L Saharanpur and NCR clusters, HR and Marketing functions. He has worked in Worlds Windows Group, as a DGM Strategy. As a part of the strategy team, working with the Group Chairman, his role was to identify new business opportunities, M&A targets and streamline existing business operations. He has also worked in SKIL Infrastructure where he was responsible for setting up and launching Strathclyde Business School (SBS) India campus at Greater NOIDA. He was Research Manager in CEB (now Gartner) and managed a team of research associates working on research reports in Retail, Corporate, and Private Banking for senior executives at leading financial institutions in US, Europe & Asia.

40 05 GENERAL MANAGER Education and Qualification Total Experience He is Chartered Accountant from Institute of Chartered Accountants in England and Wales (ICAEW) and Bachelors in Electronics and Communications Engineering from University of Leeds, United Kingdom 10+ Years Harsh Mittal General Manager Overall Experience Harsh Mittal has been working with the bank since April He is responsible for Risk Management, Audit and Compliance functions along with the P&L responsibility for the MP cluster and non interest income. Before joining the bank, he was working in Swiss Reinsurance Company Ltd, London as a Head of Group Performance Management in their Group Finance team. He was Head of Transaction Analysis in Swiss Re Life Capital (a subsidiary of Swiss Re Group), London where his main responsibility was to support all M&A and valuation activity. He was Assistant Manager in KPMG LLP UK where he was involved in the audit and transaction services practice as a part of the financial services segment.

41 A bank for your welfare Regd. Office: 13/1207, Ansari Road, Saharanpur , Uttar Pradesh Head Office I: Hakikat Nagar, Saharanpur , Uttar Pradesh Telefax: (0132) , , Head Office II: Sector 126, Noida , Uttar Pradesh Telefax: (0120) info@shivalikbank.com Visit us: Like us on

Corporate Presentation. September 2018

Corporate Presentation. September 2018 Corporate Presentation September 2018 CONTENTS 01 CORPORATE OVERVIEW 02 GEOGRAPHICAL PRESENCE 03 FINANCIAL INCLUSION: MICROFINANCE 04 FINANCIAL HIGHLIGHTS 05 BOARD OF DIRECTORS AND MANAGEMENT PROFILES