| Particulars | Page Number of the printed Annual Report |
| Corporate Profile | |
| Clarity and Presentation | 5 |
| Vision and Mission | Inner Front Cover |
| Core values and code of conduct/ethical principles | Inner Front Cover |
| Overall strategic objectives | 39 |
| Profile of the Company | Inner Back Cover |
| Directors’ profiles and their representation on Board of other companies & Governance Structure | 104 and 120 |
| Management Report and analysis including Directors’ Report/Chairman’s Review/CEO’s Review etc. | |
| A general review of the performance of the company | 67 |
| Description of the performance of the various activities/products/segments of the Company and its Group companies during the period under review. | 67 |
| A brief summary of the Business and other Risks facing the organisation and steps taken to effectively manage such risks | 159 |
| A general review of the future prospects/outlook | 28 |
| Information on how the Company contributed to its responsibilities towards the staff (including health & safety) | 59 |
| Information on Company’s contribution to the Government & to the economy | 10 |
| Social responsibility initiatives (CSR) | 64 |
| Environment related initiatives | 44 and 63 |
| Environmental & Social Obligations | 65 |
| Integrated Reporting | 7 |
| Appropriateness of Disclosure of Accounting policies and General Disclosure | |
| Disclosure of adequate and properly worded accounting policies relevant to assets, liabilities, income and expenditure in line with best reporting standards. | 209 |
| Any specific accounting policies | 209 |
| Impairment of Assets | 214 and 216 |
| Changes in accounting policies/Changes in accounting estimates | 207 |
| Accounting policy on subsidiaries | 254 |
| Segment Information | |
|
Comprehensive segment related information bifurcating Segment revenue, segment results and segment capital employed |
300 |
| Availability of information regarding different segments and units of the entity as well as non-segmental entities/units | 300 |
| Segment assets | 300 |
| Segment Revenue | 300 |
| Segment Results | 300 |
| Turnover | 300 |
| Operating profit | 300 |
| Carrying amount of Net Segment assets | 300 |
| Financial Statements | |
| Disclosures of all contingencies and commitments | 295 |
| Comprehensive related party disclosures | 302 |
| Disclosures of Remuneration & Facilities provided to Directors & CEO | 302 |
| Statement of Financial Position and related notes | 189 and 240 to 297 |
| Income Statement/Statement of profit or loss and other comprehensive income and related notes | 187, 188 and 222 to 234 |
| Statement of Changes in Equity/Stated Capital and Reserves | 190 and 287 to 294 |
| Disclosure of Types of Share Capital | 287 |
| Statement of Cash Flow | 198 |
| Consolidated Financial Statements (CFS) | 187 |
| Extent of compliance with the core IAS/IFRS or equivalent National Standards | 200 |
| Disclosures/Contents of Notes to Accounts | 199 |
| Information about Corporate Governance | |
| Board of Directors, Chairman and CEO | 104 |
| Audit Committee (Composition, role, meetings, attendance, etc.) Internal Control & Risk Management | 129 |
| Ethics and Compliance | 146 |
| Remuneration and other Committees of Board | 117 |
| Human Capital | 37 |
| Communication to Shareholders & Stakeholders | 20 |
| Information available on website | 5 |
| Management Review and Responsibility | 38 |
| Disclosure by Board of Directors or audit Committee on the interim financial statements | 129 |
| Other investor information | 86 |
| Risk Management & Control Environment | |
| Description of the Risk Management Framework | 162 |
| Risk Mitigation Methodology | 159 |
| Disclosure of Risk Reporting | 308 |
| Stakeholders Information | |
| Distribution of shareholding | 95 |
| Shares held by Directors/Executives and relatives of Directors/Executives | 94 |
| Redressal of investors’ complaints | Stakeholder Feedback Form |
| Graphical/Pictorial Data: | |
| Earnings per Share | 185 |
| Stock Performance | 90 |
| Shareholders’ Funds (net assets) | 70 |
| Return on Shareholders' Funds | 68 |
| Horizontal/Vertical Analysis including following | |
| Operating Performance (Income Statement) | 82 |
| Total Revenue | 82 |
| Operating expense and impairment | 82 |
| Profit before tax | 82 |
| Profit after tax | 82 |
| EPS | 82 |
| Statement of Financial Position | |
| Shareholders' Funds | 287 |
| Property, Plant & Equipment | 257 |
| Loans and Advances to other customers | 246 |
| Deposits and borrowings | 275, 276 and 286 |
| Profitability/Dividends/Performance and Liquidity Ratios | |
| Net Interest Income Ratio | 36 |
| Profit before provisions and tax | 187 |
| Price earnings ratio | 10 |
| Capital to Risk Weighted Assets Ratio | 10 |
| Return on Capital Employed | 10 |
| Gearing Ratio | 69 |
| Statement of Value Added and Its Distribution | |
| Government as taxes | 231 and 232 |
| Shareholders as dividend | 10 and 234 |
| Employees as bonus/remuneration | 230 |
| Retained by the Entity | 190 |
| Market share information of the Company’s product/services | 36 |
| Statement of capital position | 36 |
| Presentation of Financial Statements | |
| Quality of the Report/Layout of Contents (Introducing our 53rd Annual Report) | 5 |
| Theme of the report | 1 |
| Clarity, simplicity and lucidity in presentation of Financial Statements | 3 |
| Timelines for issuing Financial Statements and holding AGMs (Financial Calendar) 181 | |
| Additional Disclosures | |
| Sustainability Development Reporting | 65 |
| Value Creation Process | 36 |
| Business Model | 34 |
| Stakeholder and Materiality | 23 |
| Human Resource Accounting | 37 |
| Strategy and Resource Allocation (Strategic imperatives) | 39 |
| Compliance with Governance Directions and Codes | 338 |
| Specific Areas for Banking Sector | |
| Disclosure of Ratings given by various rating agencies for the Bank and for its Instruments issued by/of Bank. | Inner Back Cover |
| Details of Advances portfolio Classification wise as per the directions issued by the Central Bank | 247 |
| Disclosure on staging of financial assets: | |
|
312 |
|
315 |
| Maturity Pattern of Key Assets and Liabilities | 298 |
| Classification and valuation of investments as per Accounting Standards | 235 |
| Business Ratio/Information: | |
|
71 |
|
67 |
|
10 |
|
59 |
|
297 |
|
37 |
|
10 |
|
71 |
|
241 |
|
10 |
|
10 |
| Details of credit concentration/Sector-wise exposures | 247 |
|
Disclosure under regulatory guidelines (Basel III - Disclosures under Pillar 3 as per the Banking Act Direction No. 01 of 2016) |
361 |
| Disclosure on lease/hire purchase receivable | 248 |
| Disclosures for derivative investments | 242 and 275 |
| Bank’s Network: List of Centers or Branches | 52 |
Supplementary Information
Annex 12: Annual Report Disclosure Checklist
