Dear esteemed customers, shareholders, and well-wishers,

I, am honoured to address you as the Chairman of Almora Urban Co-Operative Bank Ltd. As we continue to navigate the ever-evolving landscape of banking and finance, I am delighted to share with you our progress, achievements, and future plans.

At Almora Urban Co-Operative Bank Ltd., we have always been committed to providing our customers with exceptional banking experiences, tailored to their unique needs and preferences. Our dedicated team has worked tirelessly to ensure seamless delivery of our services, leveraging cutting-edge technology, robust security measures, and a customer-centric approach.

Over the past year, we have achieved several milestones, including:

- Expansion of our branch network to better serve our customers.

- Introduction of innovative digital banking products and services.

- Strengthening of our risk management and compliance frameworks.

- Enhancement of our customer support mechanisms.

As we move forward, our focus will be on further enhancing our digital transformation journey, investing in emerging technologies, and fostering strategic partnerships to drive growth and innovation.

I would like to take this opportunity to express my sincere gratitude to each and every one of you for your continued trust, loyalty, and support. Your confidence in us is what drives us to excel and push boundaries.

Before I conclude, I would like to assure you that we remain committed to upholding the highest standards of governance, transparency, and social responsibility. We will continue to work closely with our stakeholders, regulators, and the community to create value and make a positive impact.

Thank you once again for your unwavering support. I am excited about the future prospects of our bank and look forward to continuing to serve you with excellence.

C.A. Mahesh Chandra Joshi (Chairman)