Business model

Creating, sustaining,
and sharing value

We are committed to generating sustainable value for all our stakeholders including customers, shareholders, people, investors, regulators and the society.

Financial Capital

Resources

Our business continuity and growth are enabled by the various financial capitals that we have, which include equity, debt, and our ` retained earnings.

`4,377 crore Net worth

Offerings

Branch Banking

Business activities

Improve customer experience and delight

Stakeholder value creation

For customers

  • Offering innovative, relevant and efficient solutions
  • Making banking convenient, faster and safer
  • Reinforcing trust

Resources

Our investments in creating a wide branch network, implementing bestin- class modern core IT Infrastructure and development of differentiated digital products and services for our customers.

647 Touchpoints

356 ATMs

3,265 Number of tabs in operation

Offerings

Phygital banking

Business activities

Ensure trust and compliance

Stakeholder value creation

For shareholders

  • Ensuring sustainable long-term returns
  • Maintaining resilient balance sheet

Resources

We leverage our expertise in risk management, knowledge of our core geographies, sophisticated data analytics and deep customer connect to delight our customers while protecting value.

25 years

of experience in the Banking and Financial Industry

Offerings

Phygital banking

Business activities

Ensure trust and compliance

Stakeholder value creation

For people/team

  • Increasing productivity
  • Ensuring work-life balance
  • Promoting diversity and inclusion
  • Providing wealth creation, growth and leadership opportunities

Resources

Our robust team and their skills, experiences, motivations to innovate, develop and improve processes, products and services through meritocracy, leadership and collaboration

17,112 Employees

Offerings

Retail assets, small & mid - corporate assets

Business activities

Streamline operational efficiency

Stakeholder value creation

For regulators

  • Maintaining fair and ethical engagement
  • Fostering a strong culture of compliance

Resources

Our main stakeholders (customers, partners, regulators and communities) and how we connect to them, reflecting our ability to share value and to improve individual and collective wellbeing.

17.2 lakh Customers

8.61 lakh CSR Beneficiaries

1,767

Financial Literacy Camps conducted

Business activities

Enhance people productivity

Stakeholder value creation

For society

  • Driving financial inclusion
  • Improving life and livelihood opportunities
  • Reducing environmental footprint

Resources

Our impact on natural resources through our operations and business activities by remaining carbon-neutral and effective usage of energy, air, water and waste management.

2.95 tonnes

of e-waste disposed

Business activities

Enhance people productivity