Restoring Hope. Rebuilding Lives. annual report 2014-15 “Hope is being able to see that there is light despite all of the darkness.” desmond tutu Human spirit has the unique ability of rising above nature’s fury On the night intervening 6th and 7th September, incessant rain across Jammu & Kashmir culminated in a fash food, the intensity of which was unprecedented in recent history. As riverbanks gave way, villages, towns and almost entire Srinagar city got inundated with food water, almost instantly. By the time the world woke up to the visuals of a great civilisation submerged in water, the irreparable damage to human lives, livelihoods and shelters was already done. Fear was the only emotion prevalent and palpable. The water submerged everything but human spirit. Human spirit of resilience, brotherhood and hope, which rose and rose high, almost as instantly as the havoc. The local populace responded in unparalleled way. Anything and everything that could foat became the rescue vehicle, charting the rough waters across every nook and corner. Thousands of voluntary saviours sailed to rescue every possible human life and distribute food, water and medicine. The spirit of togetherness and love rose above the sea of mud and murk, just like a Phoenix does and set a precedent of spirited rescue for generations to follow. As a mark of tribute to the human heroism, one that truly was of the people, for the people, by the people; at J&K Bank, we are humbled to dedicate our Annual Report 2014-15 to this inspiring human spirit of resilience! For what is lost we will bring back to life… Chase away the darkness and restore light… The path to happiness is what we strive for… And for that we are