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Rao Bahadur T.M. Appu Nedungadi established Nedungadi Bank in 1899 at Calicut in Kerala. It was first private sector commercial bank to be set up in South India. The bank was incorporated in 1913. In 1964 it acquired the Cochin National Bank in Trichur, and then the year after Nedungadi took over selected assets and liabilities of the Coimbatore National Bank. Cochin National Bank had three offices and Coimbatore National Bank had only one.