Corporate Presentation

September 2017

CONTENTS

01 CORPORATE OVERVIEW

02 GEOGRAPHICAL PRESENCE

04 FINANCIAL HIGHLIGHTS

05 BOARD OF DIRECTORS AND MANAGEMENT PROFILES

03 FINANCIAL INCLUSION: MICROFINANCE

01

CORPORATE OVERVIEW

01 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 Bankof India in September, 1997. The bank commenced operations in September, 1998. Sincethen, Shivalik Bank has come a long way, expanding its footprint in multiple states. The Banksuccessfully acquired a weak co-operative bank in Madhya Pradesh in 2010. As a result, it wasderegistered from UP Co-operative Societies Act, 1965 and was re-registered under the Multi-state Co-operative Societies Act, 2002, thereby becoming the first Multi-state Urban Co-operative Bank of Uttar Pradesh. Presently, the Bank’s area of operation extends to UttarPradesh, Delhi and parts of Madhya Pradesh and Uttrakhand.

HeadquarterThe Bank is registered in Saharanpur, with the Head-office split between Saharanpur andNoida. The Bank presently has 24 branches, with 7 more in pipeline, and 12 businesscorrespondent offices spread over the states of Uttar Pradesh and Madhya Pradesh.

Strengths

Being the first and largest multi-state co-operative bank of Uttar Pradesh, Shivalik Bank offersan unparalleled range of technologies which places banking at the fingertips of theirconsumers. The Bank is leveraging technology and its knowledge to extend its reach into thelast mile and offer financial services for the masses.

1.1

01 ACCOLADES

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 BanksFederation Ltd.

1.2

Banking Service Excellence Award

In 2016, Shivalik Bank has received The Best I.T. Head FCBA Award. This award is given to Best IT Head whohas spearheaded the IT initiatives for at least 3 years and has formulated and implemented the technologymission of the bank to help it excel in achieving business results using technology.

The Best I.T. Head FCBA Award 2016

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, eventsand integrated marketing companies in the Asia Pacific region.

Certificate of Excellence

01 ACCOLADES

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 FCBA Awards for 2015 by Banking Frontiers – one of the leadingmagazines in the coop – banking sector.

1.2

The Best Youth CEO

The Bank has received “Young Achiever’s Award” by Hindustan Media Ventures, a leading newspaper inNorth India.

Young Achiever’s Award

01 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.

1.2

01 VALUES1.3

01 THE JOURNEY1.4

1998• First branch starts functioning in Saharanpur

1999• Achieves full branch computerisation, first in Saharanpur district

2002• Second branch starts functioning

2005• Setup a separate corporate office at Hakikat Nagar

2010

• 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

01 THE JOURNEY1.4

2012• Opens a branch in Indore, Madhya Pradesh after acquisition of Malwa Commercial Cooperative Bank Limited

2013

• 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

2014

• 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

2015• Launches net banking and Mobile Banking

01 THE JOURNEY1.4

2016

• 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

2017

• 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.

01 PRODUCTS AND SERVICES1.5

Deposits

Loans

Savings Fixed Deposits Flexi Recurring Deposits

Current Door-to-Door Deposit

Digital 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 ProfessionalsAnd Self Employed

Loans for Micro/SSI Units Retail Traders Loans Commercial Building Loans

Commercial Vehicle 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)

Fund Transfer (RTGS/NEFT/IMPS/NACH)

e-commerce POS Machine

Add-on Services

Insurance Remittances Lockers

Business Correspondents Forex PAN Card services

01 DIGITAL SOLUTIONS1.6

Digital Solutions

Mobile Banking Net Banking Recycler M-ATM Debit Card

AccountsIMPS

NEFT/RTGSRequests

OffersRechargePay Bills

Fund TransferCreate FDs

Download StatementsBlock Lost Cards

Account Opening - SavingNEFT/Fund Transfer

DepositWithdrawal

Balance EnquiryMini Statement

RequestsDigital SHG Module

AEPS transactionAadhar seeding/linking

RuPay Debit Card

ATMCDM

01 DIGITAL SOLUTIONS1.6

Mobile Banking Debit CardsNet Banking

02

GEOGRAPHICAL PRESENCE

02 UTTAR PRADESH2.1

02 MADHYA PRADESH2.2

03

FINANCIAL INCLUSION: MICROFINANCE

03 FINANCIAL INCLUSION3.1

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.

03 EMPLOYMENT GENERATION3.2

Cottage And Village Industries

03 EMPLOYMENT GENERATION3.2

Garment Making

03 EMPLOYMENT GENERATION3.2

Retail Shop

03 EMPLOYMENT GENERATION3.2

Assistance in marketing tie-ups with large industries

03 BENEFIT TO SHG MEMBERS3.3

Higher literacy rate among women and children

Desire to save money

Banking habits

Higher confidence level during social interaction

Higher family income

04

FINANCIAL HIGHLIGHTS

04 CAPITAL4.1

04 DEPOSITS AND ADVANCES4.2

04 PROFITABILITY4.3

04 PROFITABILITY4.3

04 NPA’s4.4

04 EMPLOYEE PRODUCTIVITY4.5

05

BOARD OF DIRECTORSAND

MANAGEMENT PROFILES

05 CHAIRMAN

Education and Qualification

Total Experience

Overall Experience

Shri Yashvir Kumar Gupta

Chairman

• He has been with Bank since inception. Started the Bank after troubled by thepoor quality of customer service in nationalized banks. He set up the bank in1998 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 intotraditional agricultural methods. Today his expertise in agriculture is wellacknowledge and his orchard is rated amongst the best in the region.

• He is actively been participating in various social and charitable activities inaround the area. He has been instrumental in setting up a school for girls andpolice station and various other public service setups in his native village.

Graduate of Mechanical Engineering from IIT - BHU

50+ Years

05 BOARD OF DIRECTORS

Mr. Shiv Puran GulatiVice – Chairman

Qualification - B.A.

Mr. Sudhakar AgarwalDirector

Qualification - B.Sc., B.Pharma.

CA Sanjay GuptaDirector

Qualification - FCA

Dr. Sanjeev MittalDirector

Qualification - M.D.

Mr. Sarvesh SinghalDirector

Qualification - LL.B.

Dr. Kamal KantDirector

Qualification - M.D.

Mr. Arun Kumar MalikDirector

Qualification - Graduation

Mr. Vijay Kumar DhingraDirector

Qualification – M.Com. (Former Banker)

Mr. Satyasheel Rao PanwarDirector

Qualification - B.A.

05 MD & CEO

Education and Qualification

Total Experience

Overall Experience

Suveer Kumar Gupta

MD & CEO

B.Tech. (Electrical) Hons. From NIT, Kurukshetra

20+ Years

• Joined the Bank in 1998 to support the vision of Chairman.

• In his leadership Bank has attained heights of success and appreciation.

• Being the next year leader his focus is on improving service experience andenhance technology.

• Under his guidance bank acquired two banks of Madhya Pradesh to take lead inthis segment.

05 GENERAL MANAGER

Education and Qualification

Total Experience

Overall Experience

Chandra Prakash Agarwal

General Manager

B.Com. From Lucknow University and Diploma in Works Procurement ManagementFrom International Training Centre, Italy

40+ Years

• Mr. Agarwal has been working with the bank since 2003 currently. He ishandling the work related to Investment.

• Before joining the bank, he has worked in multiple organizations andgovernment of UP. He was also involved with one World bank financed projectas a Sr. Manager Procurement where he headed the Procurement Departmentand managed procurement of goods, civil works and selection and employmentof consultants for the project ensuring the compliance for procurement laid byIBRD.

• 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 UPEnterprise) as a Procurement Manager, UP Instruments Ltd. as an accountsofficer, Auto Tractors Ltd. as an Asst. accounts officer, was responsible for themaintenance of proper books of accounts and finalization of annual accounts.

05 GENERAL MANAGER

Education and Qualification

Total Experience

Overall Experience

Gaurav Mittal

General Manager

M.Sc. (Finance) From University of Strathclyde Business School, Scotland, UnitedKingdom and B.Com. (Hons.) From University of Delhi

17+ Years

• Gaurav Mittal has been working with the bank since 2013. He is responsible forP&L Saharanpur and NCR clusters, HR and Marketing functions.

• He has worked in Worlds Windows Group, as a DGM Strategy. As a part of thestrategy team, working with the Group Chairman, his role was to identify newbusiness opportunities, M&A targets and streamline existing businessoperations. He has also worked in SKIL Infrastructure where he was responsiblefor setting up and launching Strathclyde Business School (SBS) India campus atGreater NOIDA. He was Research Manager in CEB (now Gartner) and managed ateam of research associates working on research reports in Retail, Corporate,and Private Banking for senior executives at leading financial institutions in US,Europe & Asia.

05 GENERAL MANAGER

Education and Qualification

Total Experience

Overall Experience

Harsh Mittal

General Manager

He is Chartered Accountant from Institute of Chartered Accountants in England andWales (ICAEW) and Bachelors in Electronics and Communications Engineering fromUniversity of Leeds, United Kingdom

10+ Years

• Harsh Mittal has been working with the bank since April 2016. He is responsiblefor Risk Management, Audit and Compliance functions along with the P&Lresponsibility 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 Financeteam. He was Head of Transaction Analysis in Swiss Re Life Capital (a subsidiaryof Swiss Re Group), London where his main responsibility was to support allM&A and valuation activity. He was Assistant Manager in KPMG LLP UK wherehe was involved in the audit and transaction services practice as a part of thefinancial services segment.

A bank for your welfare

Regd. Office: 13/1207, Ansari Road, Saharanpur - 247001, Uttar PradeshHead Office I: Hakikat Nagar, Saharanpur - 247001, Uttar Pradesh

Telefax: (0132) 2726125, 2726147, 9927 135550Head Office II: Sector 126, Noida - 201301, Uttar Pradesh

Telefax: (0120) 4060000E-mail: info@shivalikbank.com Visit us: www.shivalikbank.com

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