Value Creation Approach
Building Relationships,
Delivering Value
Shareholders and Investors
Customers
Employees
Vendors, Suppliers and Service Providers
Ecosystem and Society
Government and Regulatory Bodies

Financial Capital

` 0,0 Crore

Total Deposits

` 0 Crore

Shareholders' Funds

` 0 Crore

Borrowings

Human Capital

` 2,823.09 Crore

Employee Cost

25

Number of States/UT Hired from

5.5 days

Average Training Duration per Employee

Social and Relationship Capital

` 68,114.16 Crore

Total Priority Sector Lending

` 60.67 Crore#

CSR Expenditure

#Includes the amount of ` 13.46 Crore spent during the year from the Unspent CSR Account of FY 2022-23

Intellectual Capital

` 663.7 Crore

Spend on Technology

75 +

No. of Fintech Partnerships

Natural Capital

142,626.11 GJ

Total Electricity consumption

6

No. of Green Certified Premises

7.83% of CAPEX

Investment in Energy & Water Conservation Projects

Manufactured Capital

1,504

Total number Banking outlets

2,015

Total no. of ATMs/CDMs

Financial Capital

` 3,721 Crore

PAT

18%

Increase in total deposits

14.73%

Return of Equity (RoE)

Human Capital

` 31.92 Crore

Business Per Employee

3.19%

Voluntary attrition rate (Less by 15% compared to y.o.y)

47.83%

New Women Hires

Social and Relationship Capital

4,61,271 Individuals

Total Enrolment to Social Security Schemes

40,95,790 Individuals

Total CSR Beneficiaries

Intellectual Capital

94.30%

Share of Digital Transactions

4.6

Android App Rating

Natural Capital

90901 kWh

Electricity Saved

2.81 million metric tonnes

Avoided Emissions through Green Lending (CO2e per annum)

~2.5 Lakh litres

Water Saved

Manufactured Capital

64%

Semi urban and rural branches

1.82 Crore

Total customers served