Stakeholder perspectives remained central to our sustainability approach in FY 2025–26. Through consistent engagement with customers, employees, investors, regulators, communities and other key stakeholders, we identified the ESG issues most relevant to both our business and stakeholders. These discussions informed our strategic choices, enhanced our ability to respond to emerging concerns and fostered long-term, value-based growth.
Our Stakeholders
Employees
Customers
Investors / Shareholders
Regulatory Bodies
Communities
Vendors
Employees
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
No
Significant Impact
Material Topics Identified
Training & Development
Diversity & Inclusion
Freedom of Association and Collective Bargaining
Employee Wellbeing & Development
Talent Attraction & Retention
Business Ethics
Channels of Communication
Regular manager interactions, town halls, virtual connect sessions, employee engagement surveys, HR helpdesk and grievance mechanisms, training and development programs, performance review discussions, wellness initiatives, and internal communication platforms such as Emails, intranet, and newsletters.
Frequency of Engagement
Continuous, periodic, and need-based through regular interactions, formal review processes, and grievance redressal mechanisms.
Purpose and Scope of Engagement
Employee development, training and upskilling, workplace well-being, career progression, employee engagement and resolution of work-related concerns and grievances.
Customers
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
Yes, particularly the following groups of customers: pensioners, women, senior citizens, people with special abilities, and beneficiaries of social security schemes.
Significant Impact
Material Topics Identified
Cyber Security and Data Privacy
Customer Experience & Satisfaction
Digitalisation
Financial Inclusion
Brand Reputation
Product Design & Innovation
Channels of Communication
SMS, Email, WhatsApp, Social Media and Website, Branch Notice Boards, Awareness Posters, Call Centre, Pamphlets in educating the customers about safe usage of digital banking services.
Frequency of Engagement
Continuous and need-based.
Purpose and Scope of Engagement
Safe usage of digital banking services, customer awareness, product and service offerings, customer experience and grievance redressal.
Investors/Shareholders
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
No
Significant Impact
Material Topics Identified
Financial Performance
Corporate Governance
Regulatory Compliance
Brand Reputation
Channels of Communication
Email, SMS, newspaper advertisement, Bank's official website, Investors meet, General meeting, annual report and stock exchanges intimation.
Frequency of Engagement
Quarterly, Half-yearly, Annually & Need basis.
Purpose and Scope of Engagement
Ensure transparent and timely communication regarding the Bank's performance and strengthen shareholder engagement.
Regulatory Bodies
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
Quarterly, Half-yearly, Annually and as and when required.
Purpose and Scope of Engagement
The Bank maintains continuous and constructive engagement with the regulators to ensure effective understanding and implementation of regulatory expectations, strengthen compliance risk management practices, and provide assurance on the Bank’s commitment toward robust regulatory compliance and governance standards.
Communities
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
Yes
Significant Impact
Material Topics Identified
Community Wellbeing or CSR
Financial inclusion
Responsible Financing
Business Ethics
Financial Inclusion
Channels of Communication
Need based interactions are conducted with stakeholders such as communities, NGOs and institutions.
Frequency of Engagement
Need-based.
Purpose and Scope of Engagement
Promote inclusive growth and support education, healthcare, sanitation, livelihood development and financial inclusion, particularly for women, rural communities, farmers and economically weaker sections.
Vendors
DirectIndirect
Whether Identified as Vulnerable and Marginalized Group (Yes/No)
No
Significant Impact
Material Topics Identified
Sustainable Procurement
Business Ethics
Regulatory Compliance
Waste Management
Channels of Communication
In person, through letter, Email and telephone communications.
Frequency of Engagement
Half-yearly and at the time of renewal of agreement.
Purpose and Scope of Engagement
Review service quality, key risk indicators (KRIs) and promote responsible and accountable supply chain practices.
Direct
Indirect