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The above financial results have been reviewed by the Audit Committee and subsequently approved by the Board of Directors of the Bank at its meeting held at Mumbai on October 22, 2022. 2. These results for the quarter and half year ended September 30, 2022 have been subjected to a Limited Review by the joint statutory auditors – CNK & Associates LLP, Chartered Accountants and GM Kapadia & Co., Chartered Accountants who have issued an unmodified review report thereon. The financial results for the quarter ended June 30, 2022 were reviewed by CNK & Associates LLP, Chartered Accountants on which they had issued an unmodified conclusion. The financial results for the quarter / half year ended September 30, 2021 and for the year ended March 31, 2022 were reviewed / audited by joint statutory auditors (CNK & Associates LLP, Chartered Accountants and Haribhakti & Co. LLP, Chartered Accountants) on which they had issued an unmodified conclusion /opinion respectively. 3. The Bank has applied its significant accounting policies, in the preparation of these financial results, consistent with those followed in the annual financial statements for the year ended March 31, 2022, except for its stock-based employee compensation plan. W.e.f. April 1, 2022, the Bank has changed its accounting policy from intrinsic value method to Fair value method for valuation of stock options granted after March 31, 2021, to all employees. Hitherto, the Bank had covered only ‘Whole Time Directors/Chief Executive Officers/Material Risk Takers and Control Function Staff’ to comply with The Reserve Bank of India, clarification dated August 30, 2021, on guidelines on Compensation of Whole Time Directors/CEO/Material Risk Takers and Control Function Staff. The fair value of stock options is estimated on the date of grant using the Black-Scholes model and is recognised as employee expense over the vesting period. The change in the accounting policy results in recognition of additional ‘Employee Cost’ of Rs 17.23 crore related to the earlier period. 4. Other Income includes commission income from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, and profit and loss (including revaluation) from investments. 5. The financial results are arrived after considering provision for standard assets including requirements for exposures to entities with Un-hedged Foreign Currency Exposures, Non-Performing Assets (NPAs), and provision on investments, income-tax and other necessary provisions.2022-04-012022-09-30UnauditedStandalone3277980000077642000001709000000397000000426500000001196890000054618900000217286000006500300000159753000002247560000044204200000104147000004945000000054697000001442600000402710000004027100000402710000059952000001000.169106.726.716.726.712456600000079023000000.0380.01260.0076Rent, taxes and lighting615700000Printing and stationery52000000Advertisement and publicity102600000Depreciation on Bank's property455700000Director’s fees Allowances and expenses10500000Auditors' fees and expenses1500000Law Charges37700000Postage, Telegrams, Telephones, etc.85500000Repairs and maintenance527400000Other Expenditure6055100000Rent, taxes and lighting1187400000Printing and stationery98400000Advertisement and publicity257200000Depreciation on Bank's property919100000Director’s fees Allowances and expenses21400000Auditors' fees and expenses8900000Law Charges80500000Postage, Telegrams, Telephones, etc.201500000Repairs and maintenance1081300000Other Expenditure121196000005995200000124704900000794044700000107757100000415148000001074016700000522843000005745370000025813230000062941690000058868000007084270000010740167000006. Payment to business correspondents for service such as sourcing of loans, servicing from customers and other related services is netted off from interest earned (interest/discount on advances/bill). 7. During the quarter and half year ended September 30, 2022, the Bank allotted 3,000 and 4,200 respectively shares pursuant to the exercise of stock options under its Employees Stock Option Scheme. 8. Position of accounts restructured under Resolution Framework for COVID-19 related stress as of September 30, 2022 (Resolution Framework - 1.0 and Part A of Resolution Framework 2.0) 9. The Details of loans transferred / acquired during the quarter ended September 30, 2022 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below a. The Bank has not transferred any loan to Asset Reconstruction Company during the quarter ended September 30, 2022. b. The Bank has not acquired any loans not in default through assignment during the quarter ended September 30, 2022. c. The Bank has not acquired any stress loans during the quarter ended September 30, 2022.Corporate/ Wholesale Banking11079900000Retail Banking23977600000Treasury15389400000Other Banking Operations122400000Capital and Reserves0Corporate/ Wholesale Banking21149400000Retail Banking47556100000Treasury30510500000Other Banking Operations273300000Capital and Reserves0505693000009948930000022979500000448704000002758980000054618900000Corporate/ Wholesale Banking706200000Retail Banking1285800000Treasury595700000Other Banking Operations122500000Capital and Reserves0Corporate/ Wholesale Banking1221300000Retail Banking2318000000Treasury1658300000Other Banking Operations273500000Capital and Reserves027102000005471100000001700000140000027085000005469700000Corporate/ Wholesale Banking322367800000Retail Banking319633900000Treasury406612100000Other Banking Operations7300000Capital and Reserves01048621100000253956000001074016700000Corporate/ Wholesale Banking332295400000Retail Banking457036900000Treasury153921500000Other Banking Operations48700000Capital and Reserves130700100000107400260000014100000107401670000010. In accordance with RBI guidelines, consolidated Pillar 3 disclosure, leverage ratio, liquidity coverage ratio and net stable funding ratio is available on the Bank’ website at the following link: http://www.rblbank.com/BaselDisclosures.aspx. These disclosures have not been subjected to audit or review by the joint statutory auditors. 11. The business operations of the Bank are largely concentrated in India and for the purpose of segment reporting, the Bank is considered to operate only in domestic segment. 12. RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 7, 2022, require ‘Digital Banking’ as a separate sub-segment under retail banking for the purpose of AS-17 Segment reporting. The proposed DBUs of the Bank have not commenced operations and having regard to the discussions of the DBU Working Group formed by Indian Banks' Association (IBA) (which included representatives of banks and RBI), reporting of Digital Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group. 13. The disclosures for NPA referred to in point 17 (iv) above correspond to Non Performing Advances. 14. Previous period / year figures have been regrouped / reclassified, where necessary to conform to current period / year classification.5469700000091910000000001300000069778000000789820000000-84958800000099385000000-75020300000-67122100000-6165240000000016213000000-6327370000000-632737000000000000035200000136140000000000000000-132620000000-132620000050000000031733000000000-317280000000-3172800000-677727000000-67772700000175476900000107704200000