This is being enabled through boardroom discussion and the ESG Steering Committee. Our goal of becoming carbon neutral in Scope 1 and Scope 2 emissions by fiscal 2032 has created opportunities to learn, explore and experiment with ideas to enhance effectiveness of the initiatives. The setting up of Atmospheric Water Generators, shift to certified recycled paper, and purchase of International Renewable Energy Certificates to offset emissions, exemplify our forward-looking approach to adopting sustainable practices.

We have expanded the evaluation of our Scope 3 emissions and are collaborating with value chain partners to encourage the adoption of responsible and sustainable practices. Every employee contributes to our sustainability journey through individual action, enabled by training, awareness campaigns and workplace initiatives guided by the 4R principles — Reduce, Reuse, Recycle and Responsible disposal. The Bank is adopting a digital tool for efficient tracking of key ESG metrics and accurate measurement of its carbon footprint using acceptable approaches.

The Bank refreshed its ESG materiality assessment to identify and prioritise ESG areas most relevant to business and its stakeholders. Ten topics were shortlisted for deeper insights into risks, opportunities, and to drive long-term performance.

We remain committed to supporting opportunities from corporate decarbonisation initiatives, within our riskreturn framework. Our sustainable financing and green lending proportion continue to grow across renewable energy, electric vehicles and new-age segments like hydrogen fuel.

The Bank has a rich legacy of socio-economic, and environment related developmental work. In fiscal 2025, our corporate social responsibility initiatives scaled up further within four thematic areas — healthcare, environment conservation and ecology restoration, livelihood enhancement and community development — with emphasis on capacity building and ecosystem development. Our flagship initiative with Tata Memorial Centre (TMC), for setting up three new cancer care hospitals in India, progressed with the foundation stone laid for a cancer care block at Vishakhapatnam, Andhra Pradesh in June 2025. From grassroots work to collaborating with institutions and knowledge partners, our journey continues to evolve. Our commitment remains steadfast to sustainable development across all spheres.

Our ESG journey so far has been both fulfilling and transformative. Transparency and accountability ensure that the efforts are meaningful and impactful. The ESG Report and the Business Responsibility and Sustainability Report for fiscal 2025 reflect this progress.