Dear Members, it gives me great pleasure to welcome you to the 48th Annual General Meeting of Siddheshwar Sahakari Bank Ltd., Latur. I am pleased to present the annual report, balance sheet, and profit and loss account for the financial year ended 31 March 2025.

With the continued support of our shareholders, depositors, account holders, borrowers, and customers, the bank has remained on a steady path of growth. In a highly competitive banking environment, we have worked consistently to strengthen our position through disciplined operations, better service, and responsible financial management.

During the year, our membership base continued to grow, our reserves and funds increased, and the bank maintained adequate liquidity, investments, and regulatory compliance. We have also focused on deposit mobilization, lending support for productive and self-employment purposes, and effective recovery of dues.

I sincerely thank our directors, officers, employees, auditors, regulators, journalists, well-wishers, and all members for their valuable guidance and cooperation. I assure you that the bank will continue to work with dedication for your service and for the progress of the institution.