Our time-tested core value framework (CARES) outlines a set of values and behavioural qualities that are critical to the employees of the Bank. Our actions and interactions with our stakeholders are defined by the following core values.

• Commitment to Excellence
• Agility
• Relationship Orientation
• Ethics
• Sustainability

Devote balanced attention to the interests and expectations of stakeholders, and in particular:

Customers: Meet and even exceed expectations of target customers by delivering appropriate products and services, employing as far as feasible, single window and 24-hour-seven-day-week concepts, leveraging a strengthened branch infrastructure, ATMs, other alternative distribution channels, cross-selling a range of products and services to meet customer needs varying over time, and ensuring the highest standards of service at all time, guided by our principle of being 'Digital at the fore, human at the core'.

Shareholders: To achieve consistent growth in shareholder value.

Employees: Develop in every employee a high degree of pride and loyalty in serving the Bank.

CRISIL Rating

• Fixed Deposit (Short Term): A1+
• Fixed Deposit: AA+/Positive
• Certificate of Deposit: A1+

India Ratings & Research Pvt Ltd/CARE

• Tier 2 (Capital) Bonds: CARE AA+/Stable