Mission Statement

Partnering in the improvement of the standard of living of All our customers and
Growing as a prime and strong Rural Bank in the state and country is our Goal .

Sincerely responding to the wishes and aspirations of our customers and

Serving them with a smile beyond their expectations is our Motto.

Heritage

Bank sponsored by STATE BANK OF MYSORE,which was established in the year 1913 at
the instance of the Banking Committee headed by the Great Engineer, Statesman Late Sir. M
Visweswaraiah.

The two transferor Banks viz.,, Cauvery Grameena Bank was established on 2nd October
1976 and Kalpatharu Grameena Bank was established on 31st March 1982. They have become
household name in their respective area of operation spread over three districts each.

Both Banks have earned Laurels for their good performance like.

Cauvery Grameena Bank – Has bagged the best RRB award in Karnataka for Highest SHG
linkages during the years 1999-2005.

Kalpatharu Grameena Bank – Has been adjudged as the ‘BEST RRB’ among the Regional
Rural Banks sponsored by Associate Banks of State Bank of India for “Excellent Performance during
2005-06”. During the year2004-05 the Bank had bagged Second Prize in the same category.

Cauvery Kalpatharu Grameena Bank has been recognized with following laurels:
BEST PERFORMANCE At state level –Bank linkage Programme 2006-07, 2007-08
 The Operational Area of the Bank spreads over seven districts viz.,Mysore, Tumkur, Hassan,
Bangalore Rural, Ramanagar, Chamarajanagar and Bangalore Urban districts.

The Bank has a branch network of 230 branches (as on 31.3.2012) of which 169 are located in
rural centers, offering a wide range of services to the customers.

The bank has proposed to open 30 new branches during the current year.

Human Resources

The Bank has a dedicated, well educated workforce of 2012 officials consisting of 501
Officers, 366 clerks and 154 subordinates staff (as on 31.3.2012),by the process of continuous
training and motivation, the skill and competence of the officials are being regularly updated to meet
the expectations of customers.The Bank has also established a ‘KNOWLEDGE HUB’ with a full-
fledged IT LAB for dissemination of Knowledge to Staff.

Technology

All our 230 Branches of the Bank are computerized, and working in common platform i.e,
CORE BANKING SOLUTIONS (Bancslink) implemented by M/S C-Edge Technologies Ltd.,
Mumbai, a joint venture Company of TCS and SBI.

IMPLEMENTATION OF INFORMATION COMUNICATION TECHNOLOGY BASED

FINANCIAL PLAN IN VILLAGES HAVIANG POPULATION OF OVER 2000

As per the directions of Govt. Of India/Reserve Bank of India/NABARD, the Bank is

initiating all-out efforts in implementing Financial Inclusion Plan for providing banking facilities to
habitations having populations of over 2000 in 227 villages in the command area of the Bank.
Accordingly, the bank has engaged 212 Business correspondents through M/S Integra Micro Systems
(pvt) Ltd., Bangalore (Technology Service Provider) for providing Banking and financial services at
the doorsteps of the customers by using Information Communication based Technology.
The Bank has prepared the project for issuance of 1,30,000 Smart Cards to No Frill account holders
in the above villages approved by our Board of Directors and the Smart Cards are being issued to the
customers in stages.
To facilitate better functioning of these Field BCs we have provided training to 203 Business
Correspondents in the field of banking knowledge, Human resources Management and to operate the
Biometric device in 5 Batches at RUDSET Institute, Mysore.
about Us

One of the Regional Rural Banks established under Regional Rural Banks Act,1976.

Cauvery Kalpatharu Grameena (CKG) Bank was established on 24th May 2006 by amalgamation
of Cauvery Grameena Bank and Kalpatharu Grameena Bank.

Sponsored by State Bank of Mysore.

Jointly owned by Government of India, State Bank of Mysore and Government of Karnataka ,
share capital contributed in the ratio of 50 :35:15 respectively.

A Scheduled Commercial Banks permitted to carry all kinds of business.

Our Motto is not to make Profit out of banking

But to Profit YOU out of OUR Banking

Board of Directors

The Bank’s Board is represented by officers from the Sponsor Bank, NABARD, RBI and
Government and headed by the Chairman. The Board of the Bank consists of:
CHAIRPERSON– TEGS VI OFFICER
SMT L.T.AMBUJAKSHI
FROM STATE BANK OF MYSORE
SRI R. BALAKRISHNAN
Nominee Director from
Asst General Manager
RESERVE BANK OF INDIA
Reserve Bank of India, Bangalore
SRI.K.N. BAISAKH Nominee Director from NATIONAL
Deputy General Manager National Bank for BANK FOR AGRICULTURE AND
Agriculture & Rural-Development, Bangalore RURAL DEVELOPMENT
SRI. J.RAMAKRISHNAN Nominee Director from STATE BANK
Deputy General Manager, Mysore Zone OF MYSORE
State Bank of Mysore, Mysore
SRI. N.V.L.RATAN
Deputy General Manager (Agri)
Nominee Director from STATE BANK
State Bank of Mysore,
OF MYSORE
Lead Bank Department
Head Office Bangalore
SHRI. H.S.RAGHUPATHI
Nominee Director from GOVERNMENT
#1274/1, I Floor, Kousalya 2nd cross,
OF INDIA
Krishnamurthypuram, Mysore-570 004
SRI.DR.B.P.NATARAJAMURTHY
S/o Late S.Puttaswamy (Ex-MLA) No.705, Nominee Director from GOVERNMENT
Upstairs 10th Cross, Vinaya Marga, OF INDIA
Siddartha Layout Mysore,
SRI.K.SUNDAR NAIK
Nominee Director from GOVERNMENT
Chief Executive Officer, Zilla Panchayat,
OF KARNATAKA
Chamarajanagar
SRI. N.MUNIRAJAPPA
Nominee Director from GOVERNMENT
Project Director, DRDA
OF KARNATAKA
Zilla Panchayat, Mysore
Branch Network

The Operational Area of the Bank spreads over seven districts viz.,Mysore,
Tumkur, Hassan, Bangalore Rural, Ramanagar, Chamarajanagar and Bangalore Urban districts.

The Bank has a branch network of 230 branches (as on 31.3.2012) of which 169 are
located in rural centers, offering a wide range of services to the customers.

The bank has proposed to open 30 new branches during the current year.

Human Resources

The Bank has a dedicated, well educated workforce of 2012 officials consisting of 501 Officers,
366 clerks and 154 subordinates staff (as on 31.3.2012),by the process of continuous training and
motivation, the skill and competence of the officials are being regularly updated to meet the
expectations of customers.The Bank has also established a ‘KNOWLEDGE HUB’ with a full-fledged
IT LAB for dissemination of Knowledge to Staff.

Technology

All our 230 Branches of the Bank are computerized, and working in common platform i.e,
CORE BANKING SOLUTIONS (Bancslink) implemented by M/S C-Edge Technologies Ltd.,
Mumbai, a joint venture Company of TCS and SBI.

IMPLEMENTATION OF INFORMATION COMUNICATION TECHNOLOGY BASED

FINANCIAL PLAN IN VILLAGES HAVIANG POPULATION OF OVER 2000

As per the directions of Govt. Of India/Reserve Bank of India/NABARD, the Bank is initiating all-
out efforts in implementing Financial Inclusion Plan for providing banking facilities to habitations
having populations of over 2000 in 227 villages in the command area of the Bank.
Accordingly, the bank has engaged 212 Business correspondents through M/S Integra Micro Systems
(pvt) Ltd., Bangalore (Technology Service Provider) for providing Banking and financial services at
the doorsteps of the customers by using Information Communication based Technology.
The Bank has prepared the project for issuance of 1,30,000 Smart Cards to No Frill account holders
in the above villages approved by our Board of Directors and the Smart Cards are being issued to the
customers in stages.
To facilitate better functioning of these Field BCs we have provided training to 203 Business
Correspondents in the field of banking knowledge, Human resources Management and to operate the
Biometric device in 5 Batches at RUDSET Institute, Mysore.
Organisational Structure
The Chairperson of the Bank is Smt.L.T.Ambujakshi TEGS VI (DEPUTY GENERAL MANAGER)
deputed by the Sponsor Bank i.e., State Bank of Mysore. She is also heading the Board of the Bank.
Chairperson is assisted by General Manager – Administration and General Manager Operations at Head
office.
At Head Office – The General Manager- Administration is assisted by Chief Managers heading Accounts,
Planning & Secretariat, Advances, Inspection, Vigilance, Personnel Administration and Information
Technology Department.The General Manager- Operations is overseeing the functions of all the 4 Regions.
Viz., Mysore, Hassan, Tumkur and Bangalore.
At Regional Offices – The Regional Manager is supported by Chief Manager / Senior Managers in General
banking and Credit Section.

PERFORMANCE HIGHLIGHTS 2011-12

PROFIT The net profit of the bank for the year 2011-12 is Rs.20.08
Crores.
DEPOSITS The Deposits as at 31.03.2012 is Rs.2602.96 Crores i.e.,
incremental growth of Rs.415.88 Crores during 2011-12.
ADVANCES  The Outstanding Advances as at 31.03.2012 is
Rs.2042.07 Crores i.e., an absolute growth of
Rs.333.19 Crores.
 22673 General Credit Cards (GCC) have been issued
with a financial assistance of Rs.26.40 Crores.

CD RATIO 78.45 Percent

NPA  Gross NPA to Gross Advances- 3.26 Percent.
 Net NPA to Net Advances- 1.85 Percent.

CREDIT LINKAGE OF o During 2011-12, 7550 Groups are linked with

SELF HELP financial assistance of Rs.144.10 Crores (1865
GROUPS/JOINT Fresh Groups and 5685 were Repeat Finance.
LIABILITY GROUPS )
o The outstanding accounts are 22901 with an
outstanding of Rs.242.48 Crores forming
12.39 % of total advances of the Bank.
o Bank has been selected as the best overall
performer under SHG Bank linkage
programme for the year 2009-10 among RRBs
operating in Karnataka for 5th consecutive
year by NABARD
o Our Sira Branch in Tumkur District has been
selected as the best performer under the
category highest quantum of loan disbursed to
SHG among RRBs branches in Karnataka by
NABARD for 2nd consecutive year.
o Has financed 852 Joint Liability Groups with
an amount of Rs 7.32 crores.
 FLOW OF CREDIT TO During the year 2011-12 the disbursement to agriculture is Rs
AGRICULTURE 738.28 Crores.
FARMERS CLUB  28 new farmers clubs were opened during 2011-12.
 Totally the Bank has promoted 508 Farmers Club.

PRODUCTIVITY (AS AT  The per Branch Business Turnover is Rs 20.20

31.03.2012) Crores.
 The Per Staff productivity is Rs 4.55 Crores.

CAPITAL TO RISK 12.41%

WEIGHTED ASSETS
RATIO (CRAR)

GOALS FOR 2012-13:

To open 30 New Branches.
To increase Business Turnover to Rs.5800 Crores.
To reduce Gross NPA to below 1% of Gross advance.