Our business landscape is evolving faster than ever, the financial needs of our customers are changing, technology breakthroughs are challenging legacy business processes and enriching customer journeys. Amid this era of radical transformation, flexibility and openness hold us in good stead.
Our primary business comprises commercial banking operations for retail and corporate customers.
Our operations consist of retail lending, payments, deposit taking and distribution of third-party insurance and investment products. The Bank also offers agricultural and rural banking products.
We provide a range of products and services, including loan products, fee and commission-based products and services, deposit products and foreign exchange and derivative products to India’s leading corporations, middle market companies and small and medium enterprises.
Our integrated ‘One Axis’ philosophy (including our subsidiaries) has helped us emerge as a one-stop financial services provider for our customers, with ability to cross-sell products and services.
Strong customer relationships, sharp execution focus, wide distribution network, motivated team and digital outreach have helped us strengthen our Balance Sheet across various business cycles.
To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees and smart use of technology.
Largest private bank in India
@ In terms of total assets
Consecutive year of inclusion into the esteemed FTSE4Good Emerging Index
Largest credit card issuer
(including extension counters)
ATMs and cash deposits/ withdrawal machines
Point of Sale (POS) machines
Active credit cards
Debit cards in force
Capital adequacy ratio
(Previous year 17.53%)
Tier I capital adequacy ratio
(Previous year 14.49%)
(Previous year 1.56%)
Standard Asset Coverage
(Previous year 1.38%)
Provision coverage ratio
(Previous year 69%)
(Standard + additional non-NPA)
Net interest margin (NIM)
(Previous year 3.51%)
Cost to assets
(Previous year 2.09%)
Operating profit margin
(Previous year 2.83%)
#Source: RBI Report
@ By volumes for fiscal 2020-21
Above are standalone figures as on/for year ended 31 March, 2021 unless otherwise mentioned