="MS Sans Serif">Shri H N Sinor <br>
                        Chief Executive <br>
                        Indian Banks' Association </font></td>
                                                            </tr>
                                                          </table>
                                                          <table>
                                                            <tr>
                                                              <td valign="top" width="274" bgcolor="#ffffff"><div align="center"><font size="1" face="MS Sans Serif"><img height="163" src="images/F1050012.jpg" width="250"></font></div></td>
                                                              <td valign="top" width="281" bgcolor="#ffffff"><div align="center"><font size="1" face="MS Sans Serif"><img height="168" src="images/F1050016.jpg" width="250"><br>
                                                              </font></div></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="top" bgcolor="#ffffff" colspan="2"><div align="center"><font size="1" face="MS Sans Serif"><strong>Ms. Nancy Barry presenting "Trends &amp; Opportunities in Micro Finance" </strong></font></div></td>
                                                            </tr>
                                                          </table>
                                                          <table>
                                                            <tr>
                                                              <td height="203" valign="top" bgcolor="#ffffff"><p align="center"><font size="1" face="MS Sans Serif">Challenges and Strategic <br>
                          Responses for banks in <br>
                          Building Profitable <br>
                          Micro Finance Operations <br>
                          in India <br>
                          <br>
                          Building Large and <br>
                          Efficient Retail <br>
                          Micro Finance Operations </font></p>
                                                                  <p align="center"><font size="1" face="MS Sans Serif">Action Steps </font></p></td>
                                                              <td valign="top" width="124" bgcolor="#ffffff"><p align="center"><font size="1" face="MS Sans Serif">Shri Nachiket Mor <br>
                          Executive Director <br>
                          ICICI Bank Ltd </font></p>
                                                                  <p align="center"><font size="1" face="MS Sans Serif">Shri M Udaia Kumar <br>
                          Managing Director <br>
                          Share Microfin Ltd. </font></p></td>
                                                              <td valign="top" bgcolor="#ffffff"><p align="center"><font size="1" face="MS Sans Serif">Smt. Jayshree Vyas <br>
                          Managing Director <br>
                          Shri Mahila Sewa <br>
                          Sahakari Bank Ltd. </font></p>
                                                                  <p align="center"><font size="1" face="MS Sans Serif">Smt. Vijayalakshmi Das <br>
                          Chief Executive <br>
                          Friends of Women's World Banking, India <br>
                                                                </font></p>
                                                                  <p align="center"><font size="1" face="MS Sans Serif">Smt. Radhika Haribhakti <br>
                          Executive Director <br>
                          JM Morgan Stanley P.Ltd. </font></p></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="top" colspan="3"><div align="center"><font size="1" face="MS Sans Serif"><img height="216" src="images/F1050028.jpg" width="400"></font></div></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="top" colspan="3"><font size="1" face="MS Sans Serif"><strong>Smt. Radhika Haribhakti, E.D., JM Morgan Stanley Pvt. Ltd., moderating a concluding session on action plan ahead. Flanking her are: Ms. Ela Bhatt, Chairperson, SEWA &amp; Sa-Dhan, on the left and Shri C. Sundarashyam, C.G.M, SBI on the right. <br>
                                                              Many more such round table of bank leaders in India on this theme are in the pipeline </strong></font></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="top" colspan="3"><div align="center"><font size="1" face="MS Sans Serif"><strong><br>
                                                              <img height="268" src="images/F1050014.jpg" width="400"><br>
                          A Cross Section of banking industry key personnel in Micro Finance area in India </strong></font></div></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="top" colspan="3"><p><font size="1" face="MS Sans Serif"><strong>LEADERS' REACTIONS <br>
                                                              <br>
</strong>"This seminar has happened at the right time when the micro finance sector is poised for growth in India. Thanks to IBA for collaborating with WWB and FWWB at this crucial time" <br>
                                                              </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">"The IBA team is the best ! This is the beginning of a great partnership - with public and private banks pursuing commercial micro finance - through partnerships and direct venturing. </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">IBA provided excellent organization to the event. Great meeting arrangements <br>
                          Great documentation and excellent approach to collaboration. <br>
                          Many thanks." <br>
                          NANCY BARRY </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">" Wonderful - nice to hear from formal bankers that Micro Finance can be mainstreamed" <br>
                                                                JAYSHREE VYAS </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">"A very meaningful discussion" <br>
                                                                      RADHA HARIBHAKTI </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">"Wonderfully organized and the discussion was very useful. <br>
                                                                      VIJAYALAKSHMI DAS </font></p>
                                                                  <p><font size="1" face="MS Sans Serif">"Lot of insighting, lot of partnerships &amp; a number of connections. Very good" <br>
                                                                      NACHIKET MOR </font></p>
                                                                  <p><font size="1" face="MS Sans Serif"><br>
"Our greatest appreciation for all that the IBA did to make this meeting a success. This is an example of the move to build inclusive financial system in India. Many thanks to the IBA team!' <br>
                          KATHRYN IMBODEN </font></p></td>
                                                            </tr>
                                                            <tr>
                                                              <td valign="center" colspan="2"><div align="center"><font size="1" face="MS Sans Serif"><img height="168" src="images/F1050033.jpg" width="250"></font></div></td>
                                                              <td valign="top"><div align="center"><font size="1" face="MS Sans Serif"><img height="203" src="images/F1050002.jpg" width="200"></font></div></td>
                                                            </tr>
                                                        </table></td>
                                                    </tr>
                                                  </table>
                                                  <font size="1" face="MS Sans Serif"><br>
                                              <strong><a href="WWWB-IBA%20Seminar%2012.2.2004%20Presentation%20by%20Nachiket%20Mor.ppt">Presentation by Nachiket Mor </a></strong></font></td>
                                            </tr>
                                        </table></td>
                                      </tr>
                                    </table>
                                    <br>
                                    <p align="justify">
                                  </div></td>
                              </tr>
                            </table>
                            <p>&nbsp;</p>
                          </td>
                        </tr>
                      </table></td>
                  </tr>
                </table></td>
            </tr>
          </table>

        </th>
      </tr>
    </table></td>
			
          <td valign="top" width="173">
		  <script language="javascript">
function  onchangego()
 {
	var link= window.document.f100.select.value
	if (link!="" )
	 {
	    window.location.href=link
	 }
 }
</script>

<script language="JavaScript" src="mm_menu.js"></script>
<script language="JavaScript1.2">mmLoadMenus();</script>

<script language="JavaScript" src="mm_menu.js"></script>
<script language="JavaScript1.2">mmLoadMenus();</script>

<script language="JavaScript" src="mm_menu.js"></script>
<script language="JavaScript1.2">mmLoadMenus();</script>

<script language="JavaScript" src="mm_menu.js"></script>
<script language="JavaScript1.2">mmLoadMenus();</script>
<style type="text/css">
<!--
.underline {	text-decoration: none;
	font-size: 1px;
	font-family: "MS Sans Serif";
}
-->
</style>
<script language="JavaScript1.2">function mmLoadMenus() {
  if (window.mm_menu_0428122017_0) return;
 
mm_menu_0428122017_0.writeMenus();
} // mmLoadMenus()mmLoadMenus();</script>
<script language="JavaScript1.2">mmLoadMenus();</script>
<script language="JavaScript1.2">mmLoadMenus();</script>
<script language="JavaScript1.2">mmLoadMenus();</script>
<script language="JavaScript" src="mm_menu.js"></script>
<script language="JavaScript1.2">mmLoadMenus();</script>
<table  cellspacing="0" cellpadding="0">
  <tr>
    <td width="171"><table width="94%" align="center" cellpadding="1" cellspacing="1">
      <tr>
        <td><div align="center"><font color="1A94A5" size="1" face="MS Sans Serif"> Sunday, February 05, 2012 </font></div></td>
      </tr>
      <form name="f100" method="post" action="">
        <tr>
          <th scope="row"><div align="center">
            <select style="font-size:9px;font-face:MS Sans Serif" name="select" onChange="onchangego()">
              <option value="#">----------------Select--------------</option>
              <option value="circular.asp">Circulars</option>
              <option value="calculators.asp">Calculators</option>
           <option value="http://www.rbi.org.in/scripts/HolidayMatrixDisplay.aspx" >Holiday List</option>
             <!-- <option value="newsletter.asp">News letters</option> -->
              <option value="listprinter.asp">Security Printer</option>
              <!--<option value="whatsnew.asp">News Clippings</option>-->
              <option value="searchtransporter.asp">Transport Operators</option>
			 <!-- <option value="issues.asp">The Indian Banker-Archive</option> -->
		    </select>           
          </div></th>
        </tr>
        <tr>
          <th scope="row"><a href="memlogin.asp"><font face="MS Sans Serif" size="1"><font color="#999999"><font color="#606060"><font color="087786">Members
                      Login</font></font></font></font></a></th>
        </tr>
      </form>
    </table></td>
  </tr>
  <tr>
    <td><img src="images/right.gif" name="image3" width="171" height="360" border="0" usemap="#image3Map" id="image3" /></td>
  </tr>
  <tr>
    <td><img src="images/others.gif" name="image4" width="171" height="210" border="0" usemap="#Map4Map" id="image4" /></td>
  </tr>
</table>
 <map name="image3Map" id="image3Map"> 
  <area shape="rect" coords="36,231,158,247" href="#" onmouseover="MM_showMenu(window.mm_menu_0215150600_0,-210,220,null,'image3')" onmouseout="MM_startTimeout();" />
 <area shape="rect" coords="34,338,157,354" href="#" onmouseover="MM_showMenu(window.mm_menu_0215150923_0,-170,340,null,'image3')" onmouseout="MM_startTimeout();" />
  <area shape="rect" coords="36,292,157,307" href="#" onmouseover="MM_showMenu(window.mm_menu_0215155053_0,-150,295,null,'image3')" onmouseout="MM_startTimeout();" />
 <area shape="rect" coords="37,23,158,39" href="#" onmouseover="MM_showMenu(window.mm_menu_0215160744_0,-150,25,null,'image3')" onmouseout="MM_startTimeout();" />
<area shape="rect" coords="37,40,157,55" href="#" onmouseover="MM_showMenu(window.mm_menu_0215160927_0,-275,40,null,'image3')" onmouseout="MM_startTimeout();" />
  <area shape="rect" coords="38,79,146,92" href="up_events.asp" target="_self" />
  <area shape="rect" coords="38,93,146,107" href="events_gallery.asp" target="_self" />
 <!-- <area shape="rect" coords="39,193,148,207" href="#" onmouseover="MM_showMenu(window.mm_menu_0428122017_0,-95,200,null,'image3')" onmouseout="MM_startTimeout();" />
  <area shape="rect" coords="39,179,148,189" href="iba_ibs.asp" target="_self" />-->
  <area shape="rect" coords="38,247,157,261" href="account.asp" target="_self" />
  <area shape="rect" coords="36,278,157,291" href="model_citizen.asp" target="_self" />
 <area shape="rect" coords="40,164,149,178" href="#" onmouseover="MM_showMenu(window.mm_menu_0215162701_0,-100,150,null,'image3')" onmouseout="MM_startTimeout();" />
  <area shape="rect" coords="38,180,147,192" href="http://www.theindianbanker.co.in/" target="_Blank"/>
  <area shape="rect" coords="38,262,158,277" href="#" onmouseover="MM_showMenu(window.mm_menu_0215165827_0,-150,250,null,'image3')" onmouseout="MM_startTimeout();" />
  <area shape="rect" coords="35,308,157,323" href="ModelPolicy.asp" target="_self" />
  <area shape="rect" coords="35,324,157,337" href="viewpension.asp" target="_self" />
  <area shape="rect" coords="39,108,146,123" href="under_constr.asp">
</map>

		  
          </td>
		 
        </tr>
       
 <tr> 
          <td colspan="3">
		 <style TYPE="text/css">
<!--
.style128 {font-family: Arial, Helvetica, sans-serif; font-size: 10px; }
.style16 {font-size: 9px}
.style18 {font-size: 9px; font-family: Arial, Helvetica, sans-serif; }
.style19 {font-family: Arial, Helvetica, sans-serif}
-->
</style>
<body leftmargin="0" topmargin="0" marginwidth="0" marginheight="0">			
			
<table width="100%" cellpadding="0"  cellspacing="0">
  <tr> 
    <td>
    <table width="100%" cellpadding="0" border="1" cellspacing="0" bordercolor="#00B7CF">
                  <tr> 
                    <td bgcolor="00B7CF"><div align="right"> 
                        <table width="98%" align="center" cellpadding="1" cellspacing="1">
                          <tr> 
                            <td width="59%">
                              <div align="left"><font color="#FFFFFF" size="1" face="MS Sans Serif">This 
                                site is best viewed in 1024 x 768 resolution</font></div></td>
                            <td width="41%"><div align="right"><font color="#FFFFFF" size="1" face="MS Sans Serif"><a href="feedback.asp"><font color="#FFFFFF">Feedback</font></a>&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;<a href="disclaimer.asp"><font color="#ffffff">Disclaimer</font></a> 
                                &nbsp;&nbsp;</font></div></td>
                          </tr>
                        </table>
                      </div></td>
                  </tr>
                  <tr>
                    <td height="46" valign="top"><table width="682" border="0" align="center" cellpadding="0" cellspacing="0">
                        <tr>
                          <td width="591"><div align="center"><span class="style18">It is recommended to use Internet Explorer 8 for Safe &amp; Secure Browsing. You may download Internet Explorer 8 by clicking on &ldquo;Logo&rdquo;</span></div></td>
                          <td width="91"><div align="left"><span class="style128">
                          <a href="http://www.microsoft.com/windows/internet-explorer/default.aspx" target="_blank"><img src="Images/ie8.jpg" width="80" height="30" border="0"></a></span>
                                 
                                  </map>
                          </div></td>
                        </tr>
                        <tr>
                          <td colspan="2"><div align="left"><span class="style16" id="Pagelayoutothersl1_MainContents1_lblContents">&nbsp;<span class="style19">For Safety tips and guidelines on secure browsing through IE 8, please <strong>visit : </strong></span></span> <span class="style19"><a href="http://www.microsoft.com/windows/internet-explorer/features/safer.aspx" target="_blank" class="style16">http://www.microsoft.com/windows/internet-explorer/features/safer.aspx</a></span></div></td>
                        </tr>
                      </table>    </td>
                  </tr>
    </table>  </td>
  </tr>
  <tr>
    <td align="right"  style="height:10px;"></td>
  </tr>
  <tr>
    <td align="right"  style="height:15px;"><a href="http://www.chicinfotech.com"><img src="images/logo-signature.jpg" border="0"></a></td>
  </tr>
  <tr>
    <td align="right"  style="height:15px;">&nbsp;</td>
  </tr>
</table>
			
			
<map name="Map">
  <area shape="rect" coords="35,75,82,88" href="homepage.asp">
  <area shape="rect" coords="84,75,158,87" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207162333_0,89,89,null,'image1')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="162,75,246,87" href="useful_links.asp">
  <area shape="rect" coords="251,76,309,89" href="sitemap.asp">
  <area shape="rect" coords="316,75,396,88" href="usersuggestion.asp">
  <area shape="rect" coords="398,75,479,88" href="contact.asp">
</map>
 <map name="Map2">
  <!--<area shape="rect" coords="8,541,156,563" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207165525_0,149,545,null,'image2')" onMouseOut="MM_startTimeout();">-->
  <area shape="rect" coords="11,493,110,507" href="kbp/Foreignsecbanks3806.xls" target="_blank">
  <area shape="rect" coords="11,509,109,522" href="glance.asp" target="_self">
  <!--<area shape="rect" coords="9,502,259,516" href="glance.asp">
  <area shape="rect" coords="8,487,160,501" href="kbp/Foreignsecbanks3806.xls">-->
  <!--<area shape="rect" coords="15,470,157,486" href="kbp/privatesecbanks3806.xls">
  <area shape="rect" coords="8,300,156,469" href="kbp/pubsecbanks3806.xls">-->
 <area shape="rect" coords="8,462,122,476" href="kbp/PublicSecBanks1.xls" target="_blank">
 <area shape="rect" coords="8,480,123,492" href="kbp/PrivateSecBanks.xls" target="_blank">
  <area shape="rect" coords="9,420,153,434" href="fraud.asp">
  <area shape="rect" coords="10,391,171,419" href="securities.asp">
  <area shape="rect" coords="10,375,160,390" href="legal/LA-consolidationmodified1.doc" target="_blank">
  <area shape="rect" coords="9,364,138,381" href="rightinfo.asp">
  <area shape="rect" coords="11,326,140,343" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207164514_0,150,330,null,'image2')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="10,306,145,319" href="under_constr.asp">
  <area shape="rect" coords="10,291,161,304" href="Exporters.asp">
  <area shape="rect" coords="11,275,158,290" href="under_constr.asp">
  <area shape="rect" coords="10,261,176,275" href="under_constr.asp">
   <area shape="rect" coords="9,116,157,131" href="sme.asp">
  <area shape="rect" coords="9,246,176,260" href="under_constr.asp">
 <area shape="rect" coords="9,229,166,245" href="plrmain.asp">
<!--<area shape="rect" coords="10,215,176,227" href="basel_II.asp">-->
  <area shape="rect" coords="11,199,166,213" href="corp_Govern.asp">
 <!-- <area shape="rect" coords="10,161,162,176" href="educational_loan.asp">-->
 <!-- <area shape="rect" coords="8,132,162,160" href="Govt_sch.asp">-->
 <area shape="rect" coords="9,132,143,145" href="Govt_sch.asp" />
<area shape="rect" coords="11,148,118,161" href="approachpaper.asp" />
  <area shape="rect" coords="8,79,230,93" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207163852_0,152,74,null,'image2')" onMouseOut="MM_startTimeout();">
  
<area shape="rect" coords="10,115,182,131" href="#" onMouseOver="MM_showMenu(window.mm_menu_0607160300_0,150,120,null,'image2')" onMouseOut="MM_startTimeout();" />
   
  <area shape="rect" coords="9,63,147,77" href="#" onMouseOver="MM_showMenu(window.mm_menu_0320111234_0,152,58,null,'image2')" onMouseOut="MM_startTimeout();">
  
  <area shape="rect" coords="9,49,158,62" href="easiest.asp">
  <area shape="rect" coords="10,33,158,46" href="oltas.asp">
  
  <area shape="rect" coords="10,161,112,176" href="#" onMouseOver="MM_showMenu(window.mm_menu_0910175011_0,109,173,null,'image2')" onMouseOut="MM_startTimeout();" />
  
  
  <area shape="rect" coords="10,18,152,31" href="#" onMouseOver="MM_showMenu(window.mm_menu_0320113245_0,152,18,null,'image2')" onMouseOut="MM_startTimeout();">
  
  
  
</map>
 

<map name="Map3">

  <area shape="rect" coords="40,23,87,36" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207165608_0,-103,23,null,'image3')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="40,38,92,51" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207171512_0,-233,38,null,'image3')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="40,53,91,67" href="under_constr.asp">
  <area shape="rect" coords="40,94,128,107" href="under_constr.asp">
  <area shape="rect" coords="40,108,127,122" href="under_constr.asp">
  <area shape="rect" coords="40,124,127,138" href="under_constr.asp">
  
  
  <area shape="rect" coords="40,194,133,208" href="under_constr.asp">
  <area shape="rect" coords="40,236,79,248" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207171807_0,-238,236,null,'image3')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="40,251,111,264" href="under_constr.asp">
  <area shape="rect" coords="40,266,131,279" href="under_constr.asp">
  <area shape="rect" coords="40,282,150,294" href="under_constr.asp">
  <area shape="rect" coords="40,297,134,309" href="under_constr.asp">
  <area shape="rect" coords="40,311,138,323" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207172002_0,-92,311,null,'image3')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="40,325,113,339" href="under_constr.asp">
  <area shape="rect" coords="40,341,131,354" href="under_constr.asp">
  <area shape="rect" coords="40,355,75,369" href="under_constr.asp">
</map>
		<map name="image3Map">
  <area shape="rect" coords="39,333,166,353" href="#" onMouseOver="MM_showMenu(window.mm_menu_0215113812_0,-115,339,null,'image3')" onMouseOut="MM_startTimeout();">
      </map>
	<map name="Map4Map">
  <area shape="rect" coords="40,26,144,54" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207172038_0,-200,25,null,'image4')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="40,55,146,69" href="http://www.rbi.org.in/scripts/HolidayMatrixDisplay.aspx" target="_blank">
<area shape="rect" coords="42,70,164,99" href="disclaimertransport.asp" >
  <area shape="rect" coords="34,144,159,159" href="master_charts.asp">
  <area shape="rect" coords="34,128,159,143" href="calculators.asp" >
 <area shape="rect" coords="36,160,156,173" href="circular.asp">
<!--<area shape="rect" coords="36,175,160,203" href="ind_directors.asp">-->

</map> 

    
	<map name="Map4">
  <area shape="rect" coords="35,25,92,39" href="under_constr.asp">
  <area shape="rect" coords="35,41,142,67" href="under_constr.asp">
  <area shape="rect" coords="35,70,136,97" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207172038_0,-152,70,null,'image4')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="35,102,92,113" href="under_constr.asp">
  <area shape="rect" coords="36,116,158,142" href="under_constr.asp">
  <area shape="rect" coords="39,177,84,190" href="#" onMouseOver="MM_showMenu(window.mm_menu_0207172134_0,-94,177,null,'image4')" onMouseOut="MM_startTimeout();">
  <area shape="rect" coords="39,193,134,206" href="under_constr.asp">
  <area shape="rect" coords="40,208,135,236" href="under_constr.asp">
</map>

		  </td>
</tr></table></td>
</tr> 
<table WIDTH="783px" border="0" align="center" cellpadding="0" cellspacing="0">
  <tr>
    <td>&nbsp; </td>
    <td width="19%">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td width="38%"><a href="http://www.chicinfotech.com" target="_blank"><img src="http://www.chicinfotech.com/images/logo-signature.jpg" alt="chic logo" width="150" height="16" border="0" align="bottom" /></a></td>
    <td align="center" valign="middle">&nbsp;</td>
    <td width="43%">&nbsp;</td>
  </tr>
</table>

</body>
</html>