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Debt represents total borrowings. 3. Equity represents total of share capital and reserves. 4. Total debt represents total borrowings of the Bank. 2023-04-01 2023-09-30 Unaudited Standalone 6394800000.00 893500000.00 45000000.00 0.00 7333300000.00 1027900000.00 8361200000.00 2875700000.00 1590800000.00 1780500000.00 3371300000.00 6247000000.00 2114200000.00 803200000.00 0.00 1311000000.00 332000000.00 979000000.00 0.00 979000000.00 979000000.00 1061600000.00 10.00 0.00 0.2796 0.00 9.22 9.09 9.22 9.09 1977300000.00 979400000.00 0.029 0.0146 0.0095 Advertisement and publicity 12300000.00 Auditors' fees and expenses 3100000.00 Depreciation on Bank's property 135900000.00 Director's fees/remuneration, allowances and expenses 3500000.00 Law charges 9000000.00 Other Expenditure (including Insurance & Professional fees) 473000000.00 Postage, telegrams, telephones, etc. 21500000.00 Printing and stationery 16500000.00 Rent, taxes and lighting 107900000.00 Repairs and maintenance 162900000.00 Advertisement and publicity 19300000.00 Auditors' fees and expenses 5700000.00 Depreciation on Bank's property 255500000.00 Director's fees/remuneration, allowances and expenses 7000000.00 Law charges 14300000.00 Other Expenditure (including Insurance & Professional fees) 857200000.00 Postage, telegrams, telephones, etc. 41100000.00 Printing and stationery 32500000.00 Rent, taxes and lighting 209700000.00 Repairs and maintenance 338200000.00 1061700000.00 15779100000.00 63883800000.00 24799000000.00 3040200000.00 108563800000.00 6320300000.00 938300000.00 29049300000.00 67210000000.00 1621800000.00 3424100000.00 108563800000.00 3. The above financial results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors at its meeting held on November 09, 2023. The financial results for the quarter and half year ended September 30, 2023 have been subjected to Limited Review by the statutory auditors of the Bank, Walker Chandiok & Co. LLP. An unmodified review report has been issued by them thereon. 4. The above financial results of the Bank have been prepared in accordance with the recognition and measurement principles laid down in the applicable Accounting Standards as prescribed under section 133 of the Companies Act, 2013 read with the Companies (Accounting Standards) Rules, 2021, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India and other accounting principles generally accepted in India, including Regulation 33 and Regulation 52 read with Regulation 63 (2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. 5. The Bank carries a floating provision of Rs2,893 lakhs as on September 30, 2023, which is used for calculation of net NPA and provision coverage ratio (March 31, 2023 : Rs1,784 lakhs). 6. Shareholders of the Bank at their 15th Annual General Meeting (AGM) of the Bank held on September 14, 2023, had accorded their approval for increasing authorized share capital of the Bank from existing Rs12,500 lakhs divided into 12,50,00,000 equity shares of Rs10 each to Rs15,000 lakhs divided into 15,00,00,000 equity shares of Rs10 each. 7. During the half year ended September 2023, the Bank has allotted 2,875 equity shares pursuant to the exercise of stock options under the approved Employee Stock Option Plan (ESOP) 2016 & 2019. 8. Details of resolution plan implemented under the Resolution Framework for COVID-19-related Stress as per RBI circular dated August 06, 2020 (Resolution Framework 1.0) and May 05, 2021 (Resolution Framework 2.0) as at September 30, 2023 are given below. 9. Other income include processing fees, income on dealing in priority sector lending certificate, profit on sale of investments (net) (including provision for depreciation), etc. 10. The Capital adequacy ratio (CRAR) has been computed as per operating guidelines for Small Finance Banks in accordance with RBI Circular No. RBI/2016-17/81 DBR.NBD.No. 26/16.13.218/2016-17 dated October 06, 2016. The Bank has followed Basel II standardized approach for credit risk in accordance with the operating guidelines issued by the Reserve Bank of India for Small Finance Banks. Further, the RBI vide its circular No. DBR.NBD.No. 4502/16.13.218/2017-18 dated November 08, 2017 has provided an exemption to all Small Finance Banks whereby no separate capital charge is prescribed for market risk and operational risk. 11. Details of loans transferred/acquired during the quarter ended September 30, 2023 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below : i) The Bank has not transferred/acquired any loans not in default through assignment of loans. ii) The Bank has not transferred/acquired any stressed loans (Non-performing asset and Special Mention Account). 12. The figures for the quarter ended September 30, 2023 and September 30, 2022 are the balancing figures between reviewed half yearly figures and published year to date reviewed figures for quarter ended June 30, 2023 and June 30, 2022 respectively. 13. Figures of the previous periods have been regrouped/reclassified wherever necessary to conform to current period's classification. Corporate 238200000.00 Other Banking Operations 31600000.00 Retail Banking 4047900000.00 Treasury 566100000.00 Corporate 476500000.00 Other Banking Operations 50000000.00 Retail Banking 7863600000.00 Treasury 1024500000.00 4883800000.00 9414600000.00 613900000.00 1053400000.00 4269900000.00 8361200000.00 Corporate -136500000.00 Other Banking Operations 0.00 Retail Banking 799900000.00 Treasury 28000000.00 Corporate -78500000.00 Other Banking Operations 0.00 Retail Banking 1836000000.00 Treasury -414200000.00 691400000.00 1343300000.00 0.00 0.00 14600000.00 32300000.00 676800000.00 1311000000.00 Corporate 8924900000.00 Other Banking Operations 52000000.00 Retail Banking 62732400000.00 Treasury 35930400000.00 107639700000.00 924100000.00 924100000.00 108563800000.00 Corporate 21107100000.00 Other Banking Operations 89500000.00 Retail Banking 45069300000.00 Treasury 25452900000.00 91718800000.00 4200000.00 4200000.00 91723000000.00 1. Inter-segment revenue is based on internally approved yield curve or at an agreed transfer rate on the funding provided by one business segment to another. Transaction cost is levied between segments on cost plus basis. 2. The RBI vide its circular No. RBI/2022-23/19/DOR.AUT.REC.12/2022-23 dated April 07, 2022 on establishment of Digital Banking Units (DBUs), has prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. At present, the Bank has not established DBUs and hence no Digital Banking Segment disclosures have been made. 0.00 255500000.00 0.00 0.00 0.00 14000000.00 0.00 0.00 652600000.00 0.00 922100000.00 0.00 0.00 -10675600000.00 0.00 11420200000.00 0.00 744600000.00 1666700000.00 2977700000.00 0.00 0.00 0.00 178300000.00 0.00 2799400000.00 0.00 0.00 2799400000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 232500000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -788900000.00 0.00 -1021400000.00 0.00 0.00 -1021400000.00 500000.00 0.00 0.00 3349300000.00 6204400000.00 0.00 0.00 0.00 0.00 -2854600000.00 0.00 0.00 -2854600000.00 -1076600000.00 0.00 -1076600000.00 8241800000.00 7165200000.00