Supplementary Information
Annex 4: GRI Content Index
| GRI Standard/Disclosure | Report commentary title | |
| GRI 102: General Disclosures 2016 | ||
| Organisational profile | ||
| 102-1 | Name of the organisation | Corporate information |
| 102-2 | Activities, brands, products and services | Note 1.3 |
| 102-3 | Location of headquarters | Corporate information |
| 102-4 | Location of Operations | About the Bank |
| 102-5 | Ownership and legal form | About the Bank / Corporate information |
| 102-6 | Markets served | About the Bank |
| 102-7 | Scale of the organisation | A snapshot of the Bank’s profile |
| 102-8 | Information on employees and other workers | Employees by type and gender |
| 102-9 | Supply chain | Partnership for the goals |
| 102-10 | Significant changes to the organisation and its supply chain | Report boundary |
| 102-11 | Precautionery priciple or approach | Precautionary principle |
| 102-12 | External initiatives | Basis for preperation/Partnership for the goals |
| 102-13 | Membership of associations | Partnership for the goals |
| Strategy | ||
| 102-14 | Statement from senior decision-maker | Joint message from the Chairman and his Predecessor |
| Ethics and integrity | ||
| 102-16 | Values, principles, standards, and norms of behaviour | Ethics and conduct |
| Governance | ||
| 102-18 | Governance structure | Governance Structure |
| 102-19 | Delegating authority | Bank’s approach to governance |
| 102-22 | Composition of the highest governance body and its committees |
Board of Directors and profiles, Composition of the Board |
| 102-23 | Chair of the highest governance body | Segregation of roles |
| 102-24 | Nominating and selecting the highest governance body | Appointment of Directors, Report of the BNC |
| 102-25 | Confilcts of interest | Conflicts of interests, Report of the BRPTRC |
| 102-35 | Remuneration policies | Remuneration and benefits policy |
| 102-36 | Process for determining remuneration | Directors’ and Executive remuneration, Report of the BHRRC |
| Stakeholder engagement | ||
| 102-40 | List of stakeholder groups | Connecting with stakeholders |
| 102-41 | Collective bargaining agreements | Collective bargaining |
| 102-42 | Identifying and selecting stakeholders | Connecting with stakeholders |
| 102-43 | Approach to stakeholder engagement | Connecting with stakeholders |
| 102-44 | Key topics and concerns raised | How we connect with our stakeholders |
| Reporting practice | ||
| 102-45 | Entities included in the consolidated financial statements | Report boundary |
| 102-46 | Defining report content and topic bounderies | Report boundary/ Materiality matters |
| 102-47 | List of material topics | Materiality matters |
| 102-48 | Restatement of information | Report boundary |
| 102-49 | Changes in reporting | Report boundary |
| 102-50 | Reporting period | Introducing our 52nd Annual Report |
| 102-51 | Date of most recent report | Introducing our 52nd Annual Report |
| 102-52 | Reporting cycle | Introducing our 52nd Annual Report |
| 102-53 | Contact point for questions regarding the report | Introducing our 52nd Annual Report |
| 102-54 | Claims of reportng in accordance with the GRI Standards | This report has been prepared in accordance with the GRI Standards: Core option |
| 102-55 | GRI content index | |
| 102-56 | External assurance | Responsibility for sustainability practices and external assurance |
| GRI 103: Management Approach 2016 | ||
| 103-1 | Explanation of the material topic and its boundary | Material matters/Business model |
| 103-2 | The management approach and its components | Material matters/Business model |
| 103-3 | Evaluation of the management approach | Material matters/Business model |
| GRI 200: Economic | ||
| GRI 201: Economc performance 2016 | Financial review 2020, Prudent growth | |
| 201-1 | Direct economic value generated and distributed | Our sustainability footprint |
| GRI 203: Indirect economic impact 2016 | Responding to the need of the hour | |
| 203-1 | Infrastructure investments and services supported | Cash at the customers doorstep |
| 203-2 | Significant indirect economic impacts | Helping SMEs and Micro |
| GRI 207: Tax 2019 | Income tax expenses | |
| 207-1 | Approach to tax | Income tax expenses |
| 207-2 | Tax governance, control and risk management | Income tax expenses |
| 207-3 | Stakeholder engagement | Income tax expenses |
| 207-4 | Country-by-country reporting | Income tax expenses |
| GRI 300: Environmental | ||
| GRI 302: Energy 2016 | Managing our footprint | |
| 302-1 | Energy consumption within the organisation | Our sustainablility footprint |
| 302-4 | Reduction of energy consumption | Our sustainablility footprint |
| GRI 305: Emissions 2016 | Attaining carbon neutral status | |
| 305-1 | Direct (Scope 1) GHG emissions | Our sustainablility footprint |
| 305-2 | Energy indirect (Scope 2) GHG emissions | Our sustainablility footprint |
| GRI 400: Social | ||
| GRI 401: Empolyement 2016 | Our people rising to the occasion | |
| 401-1 | New employee hires and employee turnover | Our sustainablility footprint |
| 401-3 | Parental leave | Our sustainablility footprint |
| GRI 403: Occupational health and safety 2018 | A transformed working environment | |
| 403-1 to 403-7 | Occupational health and safety management system | A transformed working environment |
| 403-9 | Work related injuries | There has been no injuries during the year |
| GRI 404: Training and education 2016 | Training and development | |
| 404-1 | Average hours of training per year per employee | Our sustainablility footprint |
| 404-3 | Percentage of employees receiving regular performance and career development reviews |
Our sustainablility footprint |
| GRI 405: Diversity and equal opportunity 2016 | Diversity | |
| 405-1 | Diversity of governance bodies and employees | Our sustainablility footprint |
| 405-2 | Ratio of basic salary and remueration of women to men | Our sustainablility footprint |
| GRI 418: Customer privacy 2016 | IT operations and security | |
| 418-1 | Substantiated complaints concerning breaches of customer privacy and losses of customer data | The Bank did not come across any compaint that had resulted in a reputational damage or significant financial loss |
| Non GRI disclosures | ||
| Instability and lack of policy consistency | Operating context and outlook | |
| Economic slowdown | Operating context and outlook | |
| Directed lending | Financial relief initiatives | |
| Higher regulatory capital | ||
| Envisaged upturn in private sector credit and improvement in asset quality | ||
| Changing customer expectations | Customer centricity | |