Our systematic and comprehensive approach to raising, lending and managing financial capital is the cornerstone of our robust financial structure and consistent shareholder returns. Our financial capital encompasses various components such as customer deposits, shareholder equity, retained earnings and external borrowings. It enables us to meet our clients’ credit requirements while optimising value creation for all stakeholders.
Create value for shareholders through sustainable growth.
Owned funds
Deposits
Our manufactured capital comprising our pan-India distribution network of banking outlets, corporate office, ATMs and other customer touchpoints allows us to engage with customers and other stakeholders. It also encompasses our reliable IT infrastructure and data centre.
Well-maintained functional assets and facilities.
Branches
PoS terminals
ATMs + cash recyclers
Our intellectual capital comprises intangible assets and skills embedded in our systems, processes and procedures. It includes our brand value, technical prowess, analytical capabilities and exceptional customer service, enabling us to serve our customers better and sustain our competitive advantage.
Consider innovation as a strategic element of the Bank.
Share of Digital Transactions
DLite app downloads
Established trust of customers for more than a century and proven leadership in technological advancements has been possible only because of our Valued Assets – the Human Capital of the Bank.
We continuously invest in attracting, developing and nurturing our human resources, to provide the competitive edge.
new hires in the FY
man hours of training
Our natural capital comprises natural resources which are used in our operations and the delivery of our products and services. These include the amount of energy and water consumed, the amount of trash generated, and the impact our operations and business activities have on the environment.
Ensure sustainable use of natural resources and contribute to combating climate change.
Spent on energy conservation
Generated through windmill
Our Social and Relationship Capital is bolstered by the enduring relationships that we have built over the years with our stakeholders. Our approach to sustainable value creation entails fostering community development and well-being.
Promote trust with stakeholder and improve the quality of life of people in areas of presence.
Investment in CSR activities
Beneficiaries of community initiatives
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