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The Board of Directors of the Bank have considered and approved the same at its meeting held on April 29, 2024. The above financial results for the year ended March 31, 2024, have been audited by the joint statutory auditors, M M Nissim & Co LLP, Chartered Accountants and Brahmayya & Co. Chartered Accountants. 2 The figure of last quarter in each of the financial years are balancing figure between audited figures in respect of full financial year numbers and year to date December published numbers for the respective financial year. 2023-04-01 2024-03-31 Audited Standalone 36066750000.00 3583880000.00 479420000.00 400000.00 40130450000.00 6710110000.00 46840560000.00 18859050000.00 9746690000.00 6301710000.00 16048400000.00 34907450000.00 11933110000.00 6789590000.00 0.00 5143520000.00 0.00 5143520000.00 1551870000.00 6695390000.00 6695390000.00 1045900000.00 10.00 -39078740000.00 0.00 0.0019 0.00 90.85 90.72 90.85 90.72 4872070000.00 1564150000.00 0.0002 0.0001 0.0002 Advertisement and publicity 109420000.00 Auditors' fees and expenses 4350000.00 Depreciation on bank's property (including leased assets) 140600000.00 Director's Fees, allowances and expenses 4440000.00 Insurance & Other expenditure 907770000.00 Law charges 55170000.00 Postage, telegram, telephone etc. 42940000.00 Printing and stationery 37940000.00 Rent, taxes and lighting 292050000.00 Repairs and maintenance 103980000.00 Advertisement and publicity 351280000.00 Auditors' fees and expenses 13730000.00 Depreciation on bank's property (including leased assets) 619100000.00 Director's Fees, allowances and expenses 12390000.00 Insurance & Other expenditure 3321910000.00 Law charges 160500000.00 Postage, telegram, telephone etc. 195560000.00 Printing and stationery 136370000.00 Rent, taxes and lighting 1135680000.00 Repairs and maintenance 355190000.00 1045900000.00 34725090000.00 225712490000.00 52114590000.00 13499760000.00 327097830000.00 10255890000.00 10285360000.00 67376900000.00 231112740000.00 1415910000.00 6651030000.00 327097830000.00 3 The Bank has followed consistently the same significant accounting policies in the preparation of these financial results for the quarter with those followed in the annual financial statements for the year ended March 31, 2023, except for the following (a). Any circular/direction issued by the RBI is implemented prospectively when it becomes applicable, unless specifically required under those circulars/directions. (a) Pursuant to RBI Guidelines on Compensation of Whole Time Directors/ Chief Executive Officers/ Material Risk Takers and Control Function Staff, new stock options granted to Whole Time Directors, Chief Executive Officers and Material Risk Takers on or after April 01, 2021, the Bank was recognising the cost at fair value on the date of grant using Black-Scholes model. During the quarter, pursuant to RBI advisory, the Bank has changed its accounting policy in respect of share based payment to all employees from intrinsic value method to fair value method for stock options granted after March 31, 2021 and consequently the Bank has recognised fair value of options estimated using Black-Scholes model, as compensation expense over the vesting period and recognised additional provision of Rs 8.71 crores on March 31, 2024 as employees’ stock option expenses. 4 These financial results of the Bank have been prepared in accordance with the Banking Regulations Act 1949, generally accepted accounting principles in India, including Accounting Standards as prescribed under Section 133 of the Companies Act, 2013 read with the Companies (Accounting Standards) Rules 2021, (“Accounting Standards”) as applicable to the bank, Regulation 33 and Regulation 52 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) 2015, as amended and the guidelines issued by the Reserve Bank of India (RBI) from time to time. Corporate/Wholesale Banking 312360000.00 Digital Banking Units 8120000.00 Other Banking operations 356240000.00 Other Retail Units 16396400000.00 Treasury 3074670000.00 Corporate/Wholesale Banking 1967980000.00 Digital Banking Units 29620000.00 Other Banking operations 1122120000.00 Other Retail Units 58967060000.00 Treasury 11838760000.00 20147790000.00 73925540000.00 7238310000.00 27084980000.00 12909480000.00 46840560000.00 Corporate/Wholesale Banking -26210000.00 Digital Banking Units 5160000.00 Other Banking operations 356240000.00 Other Retail Units 1138500000.00 Treasury 191200000.00 Corporate/Wholesale Banking 267880000.00 Digital Banking Units 14050000.00 Other Banking operations 1122120000.00 Other Retail Units 3014160000.00 Treasury 725320000.00 1664890000.00 5143530000.00 0.00 0.00 0.00 0.00 1664890000.00 5143530000.00 Corporate/Wholesale Banking 20233200000.00 Digital Banking Units 130620000.00 Other Banking operations 0.00 Other Retail Units 215868600000.00 Treasury 88482320000.00 324714740000.00 2383090000.00 2383090000.00 327097830000.00 Corporate/Wholesale Banking 247260000.00 Digital Banking Units 100840000.00 Other Banking operations 0.00 Other Retail Units 236194960000.00 Treasury 54202840000.00 290745900000.00 580930000.00 580930000.00 291326830000.00 Segment Notes: Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. Digital Banking Segment is reported as a sub-segment of Retail Banking Segment. a) Treasury The treasury segment primarily consists of entire investment portfolio of the Bank. b) Retail Banking The retail banking segment serves retail customers through a branch network. Exposures are classified under retail banking taking into account the status of the borrower (orientation criterion), the nature of product, granularity of the exposure and the quantum thereof. Revenues of the retail banking segment are primarily derived from interest and fees earned on retail loans, interest on deposits placed as collateral with banks and financial institutions. Expenses of this segment primarily comprise interest expense on borrowings, deposits, infrastructure and premises expenses for operating the branch network, personnel costs and other direct overheads. c) Wholesale Banking Wholesale Banking includes all advances to companies and statutory bodies, which are not included under Retail Banking. d) Other Banking Operation Other Banking includes other items not attributable to any particular business segment. e) Unallocated All items which are reckoned at an enterprise level are classified under this segment. This includes capital and reserves, and other unallocable assets and liabilities not identifiable to particular segment such as deferred tax, prepaid expenses, etc. 0.00 624900000.00 0.00 0.00 0.00 0.00 0.00 0.00 5558130000.00 0.00 6183030000.00 0.00 -59442830000.00 -7061500000.00 62307050000.00 1665390000.00 0.00 -2531890000.00 3651140000.00 8794660000.00 0.00 0.00 0.00 1725680000.00 0.00 7068980000.00 0.00 0.00 7068980000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5810000.00 769130000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -7037530000.00 0.00 -7800850000.00 0.00 0.00 -7800850000.00 496120000.00 -2700000000.00 13198650000.00 -10660010000.00 0.00 0.00 0.00 0.00 0.00 334760000.00 0.00 0.00 334760000.00 -397110000.00 0.00 -397110000.00 20668820000.00 20271710000.00