About us

My Dear members of SUPGB family,

I feel honored and privileged to get an opportunity of working with the family SUPGB,a premium Regional Rural Bank.

Your hard work, strategically and consistent efforts have brought the institution to its present status. I would like to congratulate you people deeply for the immense success you have achieved in your efforts. You have nurtured the institution with your devotion and belongingness. My dear friends, I have been blessed to have a highly competent and devoted team to work with. I am absolutely sure that together we would be able to reach our destination easily and the journey would be beautiful and comfortable as well. The need of the hour is to recognize the immense potentials we have and to channelize our energies in the right direction. Sometimes the most ordinary things could be made extraordinary by doing them with the right people. I am sure that I can look up to each one of you to extend the same amount of co-operation to me and would work with the same level of sincerity towards the institution as you are doing since last many years.

Before joining here I was working with a strong branded organization, PNB. Now I look forward to work with you people to make our bank SUPGB a strong brand of area where we have our presence

You have achieved almost all targets during the last three years but we have to perform every day to exist and to grow in this competitive world of banking particularly when new competitors like Small Banks and Payment Banks are ready to jump in the market with very high level of technology. To outsmart their technological edge we have to strengthen our commitment to achieve our organizational goals. We have to approach new segments of customers and services.

The era of oligopoly in banking is over and we are entering into more competitive environment. We can take the advantage of better delivery of banking products in the market where all banks having same product with slight difference.

To increase our CASA Deposit base we have to approach to the new customers simply by opening maximum number of SB accounts. We may plan minimum 150 SB accounts per month per branch to increase the share of CASA beyond 70 percent by using the opportunity of untapped area available to us. The budgets assigned to us were very sacrosanct and we have surpassed those budgets. We have to come out of seasonal mind set by way of expansion into new areas. Our Advance portfolio consist a major share of short term credit we have to search the more avenues of investment credit in agriculture, in SME and in retail segment. I hope our good marketing and good delivery will provide us the better opportunity than our competitors.

Our assets need more care to keep our organization profitable and strong. To keep the assets in performing category we have to put very strategic efforts at all levels.

Our regular follow up will create better relation with our borrowers and higher returns to our bank. I request all of you to be in contact with each and every borrower to remind them just the amount become due.

Our pool of irregular accounts and SMA 1 & 2 is the area of concern. Close monitoring is needed for each account. We have to accelerate our efforts to minimize the existing NPA through effective follow up of recovery.

We have to deal with a very heterogeneous group of Customers; we have to keep in mind the specific need of each customer to serve him in a better way. The value addition and better delivery are the keys to compete with our pear Banks.

Remember friends, Excellence is never an accident. It is the result of high intention, sincere efforts, intelligent direction and skilful execution.

I hope our customer centric approach will provide us opportunity of Deposit mobilization, Diversified Credit Offtake and recovery in irregular and NPA accounts.

Thank you very much. God bless you and your family.

with the best wishes !

Sincerely Yours,

(Anil Kumar Sharma)