Customer deposits, loans and advances, shareholder equity, retained earnings, among others, constitute our financial capital. The ability to raise, lend and management financial capital prudently is reflected in our strong balance sheet and stable growth momentum.

Our people, their diverse skill sets, proven expertise, and deep industry knowledge constitute our human capital. We have created a culture of continuous learning and improvement, which further augments our ability to acquire, retain and better serve our diverse customer base.

We take a holistic approach to sustainable value creation by nurturing our longstanding relationships, which constitutes our social and relationship capital. Through our CSR initiatives, we aim to improve life and livelihood opportunities of underserved sections.

Our pan-India distribution network comprising banking outlets, ATMs, and other customer touchpoints constitute our manufactured capital. It also includes our IT infrastructure. We optimally leverage our manufactured capital to engage with all stakeholders including customers and the community at large.

The knowledge and expertise embedded within our systems, processes and procedures, along with the Equitas brand, constitute our intellectual capital. We are improving operational efficiencies and customer experience by creating technology-led businesses and leveraging data analytics.

Although banking by nature of operations is considered environment friendly, our operations do require direct and indirect utilisation of natural capital. We undertake a host of initiatives to minimise our impact on natural capital.