CEO

Dear Valued Members and Stakeholders,

It is with great pride that I address you as we continue our journey of growth, resilience, and transformation at Darjeeling District Central Co-operative Bank Ltd. (DDCCBL). Our institution remains deeply committed to serving the people of our district and contributing significantly to the economic development of West Bengal.

Driving Modernization and Efficiency : We are embracing a future-first approach, underpinned by strategic policy changes designed to enhance transparency, streamline operations and ensure robust financial health. A cornerstone of this strategy is our full adoption of new technology, including a sophisticated Core Banking Solution (CBS). This system is crucial for providing faster, more secure, and more convenient banking services to all our members.

Pioneering Sectoral Growth : Our commitment extends beyond traditional banking. We are proud to be a leading institution in Animal Husbandry loans across West Bengal, actively supporting the livelihoods of our rural communities and promoting a vital sector of the state's economy. This focus is coupled with remarkable success in agricultural finance, evidenced by the high rate of crop collection under the Kisan Credit Card (KCC) scheme, which continues to provide essential liquidity to our farmers.

Collaboration and Market Linkage : Furthermore, the dedication of our Project Management Unit (PMU) is ensuring that all strategic initiatives are executed with precision and on schedule, maximizing our impact on the community. We understand that true growth is collaborative. We are actively pursuing collaborative efforts for market linkage, partnering with various organizations to ensure our members—from farmers to small business owners—have direct access to profitable markets. By facilitating this connection, we aim to deliver sustainable economic benefits directly to you.

Embrace the spirit of the Hills' Co-operative Movement: We are built on a foundation of shared prosperity and local empowerment. As your trusted bank, we are excited to be launching new and innovative products designed to meet your evolving financial needs. Join us and let's grow together, building a stronger, more vibrant community for the future. As we look ahead, DDCCB Ltd. remains dedicated to fostering financial inclusion and serving as a trusted partner in your prosperity.

Your trust in us is our greatest motivation.

With warm regards,

YangkeeColitasCargay, CEO

Darjeeling District Central Co-operative Bank Ltd.