2017-18
Integrated Report
& Annual Accounts
Integrated Report
Corporate Information
About Us
Segment wise Performance
Performance Highlights
Looking Back at the Year
Message from the Chairman
Message from Managing Director & CEO – India & South Asia
Message from Managing Director & CEO – Africa
Moving ahead on India’s Digitization Journey
Redefining Digital Banking Ecosystem
Music to the Ears
The Making of a Blockbuster
Mobile Money - Banking the unbanked
Board of Directors
Risk Management
Integrated Strategy for Value Creation
Materiality Assessment
Our Business and Value Creation Model
Financial Capital
Intellectual Capital
Human Capital
Manufactured Capital
Social & Relationship Capital
Natural Capital
The Crowning Moments
Corporate Social Responsibility Report
Statutory Reports
Business Responsibility Report
Board’s Report
Management Discussion and Analysis
Report on Corporate Governance
Financial Statements
Standalone Financial Statements
Independent Auditors Report
Standalone Balance Sheet
Statement of Profit & Loss
Standalone Statement of Changes in Equity
Standalone Statement of Cash Flow
Notes to Standalone Financial Statements
Consolidated Financial Statements
Independent Auditors Report
Consolidated Balance Sheet
Consolidated Statement of Profit & Loss
Consolidated Statement of Changes in Equity
Consolidated Statement of Cash Flow
Notes to Consolidated Financial Statements
Statement Pursuant to Section 129 of the Companies Act, 2013
Circle Offices
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Our Business and Value Creation Model
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Our Business and Value Creation Model