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70th Annual General Body Meeting
  Chairman's Speech

Valued shareholders and distinguished guests On behalf of J&K Bank fraternity, it is my privilege to welcome you to the 70th Annual GeneralMeeting of the Bank. Reaching this landmark calls for a celebration! And, we are doing that in truebanking style: the J&K bank is hosting BANCON 2008. This is an annual industry event where the entire banking fraternity of India participates.
69th Annual General Body Meeting
  Chairman's Speech   Valued shareholders and distinguished guests,
On behalf of the J&K Bank fraternity, it is my privilege to welcome you to the 69th Annual
General Body meeting of the Bank.
It is a sheer coincidence that exactly today, I complete two years as Chairman and Chief
Executive. It has been a very satisfying and enriching experience for me to work at the Bank.
In the last two years, the Bank has registered a 140 per cent increase in profits. We have seen a
108 per cent increase in the rate of return on your equity, thereby showing a vast improvement
in the Bank’s efficiency to generate profits from every invested rupee.
 
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68th Annual General Body Meeting
  Chairman's Speech   It is a privilege and pleasure to welcome all of you to the 68th Annual General Body Meeting of the Bank. I am deeply honoured to be here to present to you the performance of the bank during 2005-2006 and the future business strategy and outlook.

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::Welcome to Jammu and Kashmir Bank Limited ::