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The figures up to the end of the third quarter are only reviewed and not subjected to audit. n4.tThe results for the quarter ended June 30, 2020 are arrived at after considering provision for standard assets (including additional provision towards COVID 19 and exposures to entities with Un-hedged Foreign Currency Exposures), Non-Performing Assets (NPAs), and depreciation on investments, income-tax and other usual and necessary provisions. n7.tThe SARS-CoV-2 virus known as Covid-19 is a global pandemic, which continues to spread across the globe and has contributed to increase in volatility in financial markets and an unprecedented level of disruption on socio-economic activities. The Government of India had announced a series of lock-down from March 24, 2020 which was extended into May 2020 to contain the spread of the virus. The Government thereafter announced phased reopening of certain activities outside specified containment zones. Some of the states further extended lockdown to end of July 2020.. The extent to which the COVID-19 pandemic will impact the Bank's performance will depend on the future developments, which are highly uncertain, including new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its impact whether mandated by external authorities or by the Bank. nThe impact of the pandemic has resulted in restriction on economic activities and changes in customer behaviour. The continued slowdown has resulted in lower loan originations, trade and forex transactions, sale of third party products, use of credit and debit card by customers and efficiency in collection efforts. The continued slowdown is also likely to increase customer defaults requiring the Bank to increase credit related provisions. n nIn accordance with the RBI guidelines relating to COVID-19 Regulatory Package dated March 27, 2020 and April 17, 2020 the Bank granted a moratorium of three months on the payment of all instalments and / or interest, as applicable, falling due between March 1, 2020 and May 31, 2020 to all eligible borrowers classified as Standard, even if overdue, as on February 29, 2020. Further in line with RBI’s additional COVID regulatory package guidelines announced on May 23, 2020 the Bank has granted a second three month moratorium on loan payments due between June 1, 2020 and August 31, 2020. For all such accounts where the moratorium is granted, the asset classification shall remain stand still during the moratorium period (i.e. the number of days past-due shall exclude the moratorium period for the purposes of asset classification under the Income Recognition, Asset Classification and Provisioning norms). The Bank holds provisions as at June 30, 2020 against the potential impact of COVID-19 based on the information available currently. The provisions held by the Bank are in excess of the RBI prescribed norm. Advertisement and publicity 62600000.00 Auditors' fees and expenses 4300000.00 Depreciation on Bank's property 402100000.00 Director’s fees Allowances and expenses 6300000.00 Law Charges 31300000.00 Others 3530500000.00 Postage, Telegrams, Telephones, etc. 51300000.00 Printing and stationery 38200000.00 Rent, taxes and lighting 588200000.00 Repairs and maintenance 182900000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 11530300000.00 Other Banking Operations 928500000.00 Retail Banking 19715300000.00 Treasury 15477400000.00 47651500000.00 21102700000.00 26548800000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking -1989900000.00 Other Banking Operations 195200000.00 Retail Banking 1914400000.00 Treasury 1913400000.00 2033100000.00 0.00 5200000.00 2027900000.00 Capital and Reserves 0.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 289414400000.00 Corporate / Wholesale Banking 289414400000.00 Other Banking Operations -241700000.00 Other Banking Operations -241700000.00 Retail Banking 290702400000.00 Retail Banking 290702400000.00 Treasury 323899700000.00 Treasury 323899700000.00 903774800000.00 20441400000.00 924216200000.00 Capital and Reserves 107197400000.00 Capital and Reserves 107197400000.00 Corporate / Wholesale Banking 282035200000.00 Corporate / Wholesale Banking 282035200000.00 Other Banking Operations -175800000.00 Other Banking Operations -175800000.00 Retail Banking 311223300000.00 Retail Banking 311223300000.00 Treasury 222688100000.00 Treasury 222688100000.00 922968200000.00 1248000000.00 924216200000.00