CORPORATE PRESENTATION

September 2016

A bank for your welfare

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DISCLAIMER

This presentation has been prepared by Shivalik Mercantile Co-operative Bank Ltd. No representation or warranty expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information presented or contained in these slides is current as of the date hereof and is subject to change without notice, and its accuracy is not guaranteed. Neither Shivalik Mercantile Co-operative Bank Ltd nor any of its affiliates, advisors or representatives make any undertaking to update any such information subsequent to the date hereof and shall not have any liability whatsoever (in negligence or otherwise) for any loss arising from the use of this presentation or its contents or otherwise arising in connection with this presentation. This presentation contains historical information of the Shivalik Mercantile Co-operative Bank Ltd which should not be regarded as an indication of future performance or results. Certain statements in these slides are forward-looking statements. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances.

Actual results may differ materially from those included in these statements due to a variety of factors. This presentation is intended for financial institutions and professional investors only and is not intended for distribution or reproduction to, or use by, retail investors. This presentation is also not intended for distribution or reproduction to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. This presentation is directed only at relevant persons, and any investment or activity to which this presentation relates is available only to relevant persons. Other persons should not act upon this presentation or any of its contents. The information in this presentation is given in confidence, and reproduction of this presentation, in whole or in part, or disclosure of any of its contents, without prior consent of Shivalik Mercantile Co-operative Bank Ltd, is prohibited. This presentation should be distributed and read in its entirety. This presentation remains the property of Shivalik Mercantile Co-operative Bank Ltd. and on request must be returned and any copies destroyed forthwith. The recipient of this presentation should not use the information in this presentation in any way which would constitute “market manipulation” or “insider dealing”

This presentation is for information and convenient reference and does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or solicitation of any offer to buy or subscribe for, any securities of Shivalik Mercantile Co-operative Bank Ltd. nor should it, or any part of it, form the basis of, or be relied on in connection with, any contract or commitment whatsoever. All financial and other information in these slides, is on an unconsolidated basis for the Company only unless specifically stated to be on a consolidated basis for Shivalik Mercantile Co-operative Bank Ltd and its subsidiaries. Please also refer to the statement of financial and segmental results required by Indian regulations that has been uploaded on our website www.shivalikbank.com. This presentation may not be all inclusive and may not contain all of the information that you may consider material. By attending this presentation or by accepting any copy of these slides presented, you agree to be bound by the foregoing restrictions. Any failure to comply with these may constitute a violation of applicable securities laws.

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3 MISSION / VISION

2 CORE VALUES

1 ABOUT US

4 THE JOURNEY

7

6

5

8

PERFORMANCE HIGHLIGHTS

FINANCIAL INDICATORS

PRODUCT PORTFOLIO

GEOGRAPHICAL PRESENCE

TABLE OF CONTENTS3

Incorporated in 1997, Shivalik Mercantile Co-operative Bank Ltd. commenced its journey as a district level urban cooperative bank (UCB) based out of Saharanpur. Expanding and growing steadily the Bank further widened its operational horizons and acquired two small banks in M.P thereby enhancing its vision to reach more and more customers. Today, Shivalik Bank stands as the largest UCB in U.P. with 9000 self-help groups and 21 branches across U.P. and M.P and 12 Business Correspondent (BC) offices in remote villages.

Shivalik Bank strong product portfolio include a gamut of banking solutions including Loan Products (personal, professional, business and microfinance), Deposit products (Savings A/C, Current A/C, Fixed Deposit, Flexi RD, Daily Deposit Scheme) and services like remittances, lockers, ATM Cards, Insurance, Forex, Modern Payment system etc. Also, the Bank has been instrumental in meeting the credit requirements of its clients via demand loans, Incorporated in term loans, overdraft and financial guarantees against tangible assets.

ABOUT US4

CORE VALUES

Ethical Banking• No hidden / pre-payment charges• Transparent interest rates for old & new customers• Strict vigilance to avoid malpractices• Robust grievances redressal system

Transparency• consumer interface• Regular updation of financial results, rates, charges & product features• Multi-tier decision making process for sanction of loans

State of the art website for easy

Green Banking• • Using solar panels to power our ATMs / CDMs

Moving towards ideal paper-less office

Professionalism• • Good Infrastructure & business environment• Good Corporate Governance• Adherence to all statutory and regulatory norms

Streamlined systems & procedures

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VISION

• To serve the lowest strata of society with Best products, Best customer service, Best technology and Best price.

• To be a model Employer.

• To be a global role model for small banking.

• In the technology driven future of banking, we foresee ourselves as the first and natural choice as a bank for the community by offering them the best of both worlds – the best technology and the best personalized care.

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THE JOURNEY

1998 •

in Saharanpur.

Shivalik Bank starts its first operational branch

•

Saharanpur district.

Achieves first full branch computerization in

1999

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• Achieves a deposit base of more than INR 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.

2010

THE JOURNEY

•

of Malwa Commercial Cooperative Bank Limited.

Opens a branch in Indore, Madhya Pradesh after acquisition

2012

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THE JOURNEY

• 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.

2013

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THE JOURNEY10

2014

•

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.

Completes installation of CDMs and ATMs across

2015 • Launches net banking and Mobile Banking.

THE JOURNEY

2016

•

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.

• Became compliant with Direct Benefit Transfer (DBT).

• Installed solar panels at ATMs in remote locations

to maintain uptime and to reduce the carbon footprint.

Became the first bank to launch cloud based

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Fig

ure

s in

Cro

res

Deposits

PERFORMANCE HIGHLIGHTS

2011-12 2012-13 2013-14 2014-15 2015-16

245.78

318.46

775.59

809.60

Year

398.86

12

Fig

ure

s in

Cro

res

PERFORMANCE HIGHLIGHTS

2011-12 2012-13 2013-14 2014-15 2015-16

2.84

9.2115.09

Year

Operating Profits

3.23

8.51

13

Fig

ure

s in

Cro

res

PERFORMANCE HIGHLIGHTS

2011-12 2012-13 2013-14 2014-15 2015-16

145.18

220.08

557.09602.22

Year

Advances

283.96

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FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

18.86

30.59

51.94

57.1361.22

Net Worth

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Fig

ure

s in

Cro

res

FINANCIAL INDICATORS

CRAR

2011-12 2012-13 2013-14 2014-15 2015-16

13.52%

16.15%

13.75% 13.85%14.28%

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

CD Ratio

59.07%

69.11%64.85%

71.83%74.38%

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

Gross NPA

2011-12 2012-13 2013-14 2014-15 2015-16

0.24% 0.23%

1.50%

0.48%

1.26%

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

0.20%

0.00%

1.10%

0.14%

0.60%Net NPA

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

Cost of Deposits

7.40%

8.13%

7.98%

8.20%

7.85%

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

Yield on Loans

12.01%

12.85%

13.50%13.65%

13.03%

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

2.843.23

8.519.21

15.09

Profit before tax

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Fig

ure

s in

Cro

res

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

2.022.18

5.22 4.95

7.35

Profit after tax

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Fig

ure

s in

Cro

res

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

2.81%3.20%

4.28% 4.22%

3.88%

Net Interest Margin

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

1.24% 1.07%

2.17%

1.66%1.75%

Return on avg. assets

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Fig

ure

s in

Pe

rce

nta

ge

FINANCIAL INDICATORS

2011-12 2012-13 2013-14 2014-15 2015-16

403.06

345.22 351.97

539.55 551.49

Business Per Employee

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Fig

ure

s in

La

cs

PRODUCT PORTFOLIO

• Savings Deposits

• Fixed Deposits

• Flexi Recurring Deposits

• Current Deposits

• Daily Deposits

• • Loans against Property• Gold Loans• Retail Auto Loans• Commercial Vehicle Loans• Demand Loans (Against FDR / NSC / KVP /LIC)• Reverse Mortgage Loans• Roof Top Solar Loans• Loans to Professionals & Self Employed• Loans for Micro/SSI Units• Retail Traders Loans• Commercial Building Loans• Micro finance• Self Help Groups (SHG)• Mini SHG• Loans Against Warehouse Receipts Agriculture Loans• Shivalik Green Card (Kisan Credit Card)• Agriculture Term Loans

Home Loans

LOANSDEPOSITS

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PRODUCT PORTFOLIO

DIGITALSERVICES

•

• SMS Banking

• NET Banking

• Cash & Cheque Deposit

Machines

• Fund Transfer (RTGS/NEFT/

IMPS/NACH)

• Online Bill Payments

• Electronic Clearing Services

• ATMs and CDMs at all Branches

• Bulk Note Acceptors

Rupay Debit cum ATM Card

OTHERSERVICES

•

• General Insurance

• Life Insurance

• Health Insurance

• Lockers

• Forex Services

• Foreign Currency Sale and

Purchase

• Foreign Exchange Remittances

(inward outward)

• PAN Card

Insurance

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Shivalik Bank has emerged as the largestUCB in U.P. associated with 9000 self-help groups & operates through 21 branches across U.P. & M.P. and 12 Business Correspondent (BC) offices in remote villages.

Sharanpur Cluster

MP Cluster

12 Branches

2 BC Offices

2 Branches

1 BC Offices

Delhi/NCR Cluster

7 Branches

5 BC Offices

GEOGRAPHICAL PRESENCE29

E-mail-info@shivalikbank.com Visit us: www.shivalikbank.com

Regd. Office: 13/1207, Ansari Road, Saharanpur - 247001, Uttar Pradesh

Head Office: Hakikat Nagar, Saharanpur - 247001, Uttar Pradesh

Telefax: (0132) 2726125, 2726147, 9927135550

A bank for your welfare

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