INTEGRATED FILING — BANKING



General information about company

Scrip code 542867
NSE Symbol CSBBANK
MSEI Symbol NOTLISTED
ISIN INE679A01013
Name of bank CSB BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 28-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 28-Mar-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 28-Apr-2025   13:10:00
End date and time of board meeting 28-Apr-2025   14:40:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? No
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2024-02-13
Indicate Company website link for updated RPT policy of the Company https://www.csb.co.in/pdf/Annexure-II__Policy_on_dealing_with_Related_Party_Transaction_15072024.pdf
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 7875100000 29306400000
Income on investments 1828900000 6217300000
Interest on balances with reserve bank of India and other inter bank funds 68100000 198600000
Others 36800000 249100000
Total interest earned 9808900000 35971400000
2 Other income 3814700000 9720600000
3 Total income 13623600000 45692000000
Expenses
4 Interest expenses 6096200000 21209700000
5 Operating expenses
(i) Employees cost 1963400000 7542500000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expense 2396500000 7837400000
Total other operating Expenses 2396500000 7837400000
Total Operating Expenses 4359900000 15379900000
6 Total expenditure excluding provisions and contingencies 10456100000 36589600000
7 Operating profit before provision and contingencies 3167500000 9102400000
8 Provisions other than tax and contingencies 602100000 1107100000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 2565400000 7995300000
11 Provision for Tax 661000000 2057300000
12 Net profit (loss) from ordinary activities after tax 1904400000 5938000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 1904400000 5938000000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 1904400000 5938000000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 1735400000 1735400000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 41503600000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 20.59 20.59
Additional Tier 1 ratio 1.87 1.87
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 10.98 34.23
Diluted earnings per share before extraordinary items 10.98 34.23
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 10.98 34.23
Diluted earnings per share after extraordinary items 10.98 34.23
(iv) NPA Ratios
Amount of gross non-performing assets 4984600000 4984600000
Amount of net non-performing assets 1635300000 1635300000
% of gross NPAs 1.57 1.57
% of net NPAs 0.52 0.52
Return on assets 1.73 1.49
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) As per PDF


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 1735400000
Reserves and surplus 43241900000
Deposits 368614900000
Borrowings 55462800000
Other liabilities and provisions 9307700000
Total Capital Liabilities 478362700000
2 ASSETS
Cash and Balances with Reserve Bank of India 31872800000
Balances with Banks and money at call and short notice 4049000000
Investments 113893400000
Advances 315070500000
Fixed Assets 6286800000
Other Assets 7190200000
Total Assets 478362700000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 2489800000 7638000000
2 Corporate/Wholesale Banking 3729600000 11216400000
3 Retail Banking 6728900000 25226900000
4 Other Banking Operations 675300000 1610700000
Total Segment Revenue 13623600000 45692000000
Less: Inter segment revenue 0 0
Income from operations 13623600000 45692000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 591900000 1003000000
2 Corporate/Wholesale Banking 481600000 1310200000
3 Retail Banking 1229700000 5107500000
4 Other Banking Operations 271300000 598800000
Total Profit before tax 2574500000 8019500000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 9100000 24200000
Profit before tax 2565400000 7995300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 137513500000 137513500000
2 Corporate/Wholesale Banking 114434700000 114434700000
3 Retail Banking 225282700000 225282700000
4 Other Banking Operations 462500000 462500000
Total Segment Assets 477693400000 477693400000
Un-allocable Assets 669300000 669300000
Net Segment Assets 478362700000 478362700000
4 Segment Liabilities
Segment Liabilities
1 Treasury 37712800000 37712800000
2 Corporate/Wholesale Banking 157953800000 157953800000
3 Retail Banking 237718800000 237718800000
4 Other Banking Operations 0 0
Total Segment Liabilities 433385400000 433385400000
Un-allocable Liabilities 0 0
Net Segment Liabilities 433385400000 433385400000
Disclosure of notes on segments As per PDF




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 787300000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 1811200000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 97900000
Other adjustments for which cash effects are investing or financing cash flow -7400000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 24200000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 2713200000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -133755000000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 72682500000
Adjustments for provisions 0
Total adjustments for working capital -61072500000
Total adjustments for reconcile profit (loss) -58359300000
Net cash flows from (used in) operations -50364000000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 2191200000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items -52555200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities -52555200000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 8200000
Purchase of tangible assets 3002400000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 22033300000
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items 19039100000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities 19039100000
5 Cash flows from used in financing activities
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 37889000000
Repayments of borrowings 0
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 37889000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 37889000000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 4372900000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 4372900000
Cash and cash equivalents cash flow statement at beginning of period 31548900000
Cash and cash equivalents cash flow statement at end of period 35921800000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s. Walker Chandiok & Co LLP, Chartered Accountants Yes 31-May-2025
2 M/s. Sundaram & Srinivasan Yes 30-Sep-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 CSB BANK LIMITED Mr. B K Divakara Key Managerial Personnel Any other transaction Fixed Deposits placed in bank At Actuals 10372000 10019000 10372000 Textual Information(1)
2 CSB BANK LIMITED Mr. B K Divakara Key Managerial Personnel Interest paid Value is dependent on the counterparty 392000 0 0 Textual Information(2)
3 CSB BANK LIMITED Mr. Sijo Varghese Key Managerial Personnel Any other transaction Fixed Deposits placed in bank At Actuals 553000 527000 432000 Textual Information(3)
4 CSB BANK LIMITED Mr. Sijo Varghese Key Managerial Personnel Interest paid Value is dependent on the counterparty 2000 0 0 Textual Information(4)
5 CSB BANK LIMITED Ms. Annie Varghese Relative of Key Managerial Personnel Any other transaction Fixed Deposits placed in bank At Actuals 128000 125000 0 Textual Information(5)
6 CSB BANK LIMITED Ms. Annie Varghese Relative of Key Managerial Personnel Interest paid Value is dependent on the counterparty 3000 0 0 Textual Information(6)
7 CSB BANK LIMITED Mstr. Aaron Sijo Relative of Key Managerial Personnel Any other transaction Fixed Deposits placed in bank At Actuals 28000 28000 0 Textual Information(7)
8 CSB BANK LIMITED Mstr. Aaron Sijo Relative of Key Managerial Personnel Interest paid Value is dependent on the counterparty 1000 0 0 Textual Information(8)
9 CSB BANK LIMITED IIFL Capital Services Limited (Formerly known as IIFL Securities Ltd) Promoter Group Any other transaction Commission received 1000000 At Actuals 323000 0 0 Textual Information(9)
10 CSB BANK LIMITED FIH Mauritius Investments Ltd Promoter Any other transaction Foreign Exchange Transaction - Inward Remitance 50000000000 At Actuals 6956085000 0 0 Textual Information(10)
11 CSB BANK LIMITED FIH Mauritius Investments Ltd Promoter Any other transaction Commission received At Actuals 248000 0 0 Textual Information(11)
12 CSB BANK LIMITED FIH Private Investments Ltd Promoter Group Any other transaction Foreign Exchange Transaction - Outward Remitance 50000000000 At Actuals 6960000000 0 0 Textual Information(12)
13 CSB BANK LIMITED FIH Private Investments Ltd Promoter Group Any other transaction Commission received At Actuals 83000 0 0 Textual Information(13)
Total value of transaction during the reporting period 13928218000



Text Block
Textual Information(1) Rs. 103.72 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported.
Textual Information(2) Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(3) Rs. 5.53 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported.
Textual Information(4) Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(5) Rs. 1.28 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported.
Textual Information(6) Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(7) Rs. 0.28 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported.
Textual Information(8) Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(9) The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(10) Shareholders of the Bank vide resolution passed at the Annual General Meeting of the Bank held on August 23, 2024 had approved for continuing the Material Related Party Transactions in the nature of permitted foreign exchange transactions including International cross border transaction wherein the Bank act as an authorised dealer in foreign exchange, with FIH Mauritius Investments Ltd, promoter of the Bank. The value of transaction reported in respect of foreign exchange transaction represent the total volume of transactions undertaken by the Bank. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(11) Represents the margin amount collected for the foreign exchange transaction. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(12) Shareholders of the Bank vide resolution passed at the Annual General Meeting of the Bank held on August 23, 2024 had approved for continuing the Material Related Party Transactions in the nature of permitted foreign exchange transactions including International cross border transaction wherein the Bank act as an authorised dealer in foreign exchange, with FIH Private Investments Ltd, an entity forming part of the promoter group of the Bank. The value of transaction reported in respect of foreign exchange transaction represent the total volume of transactions undertaken by the Bank. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.
Textual Information(13) Represents the margin amount collected for the foreign exchange transaction. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 55462800000 Note 1: Represents total borrowings.