| Retail Banking | Savings, deposits, personal loans, auto loans, gold loans, home loans, credit cards, insurance, mutual funds | Strong last-mile distribution, digital platform, brand recall, and wide customer base in rural and semi-urban areas | Retail consumers, salaried individuals, small business owners, rural customers (B2C) | Personal loans, credit cards, gold loans, insurance distribution | 11000 | 59 | Interest income on loans, fees from deposits, insurance & mutual fund distribution, card fees | Interest margins on loans, fee-based on product cross-selling, competitive deposit rate offerings | Higher retail credit demand, digital onboarding, product diversification, enhanced distribution network | AU ivy Savings Account, Wheels Auto Loan, AU Eternity Premium Account |
| Wholesale Banking | Business banking, MSME loans, trade and forex services, working capital finance | In-depth MSME sector knowledge, focused relationship management, SIDBI collaboration | Medium and small enterprises, MSMEs, corporate clients (B2B) | MSME lending, trade finance services | 3500 | 19 | Interest income on advance, trade finance fees, forex margins | Interest on loan products, fees on trade & forex services | Supportive government policies for MSME, increased credit flow, strategic partnerships | Commercial Banking Products, Trade Finance, MSME Loans |
| Treasury | Investment of surplus funds, liquidity management, forex operations | Efficient treasury management, RBI compliance, risk controls | Internal operations and market counterparts | Strategic investments, forex operations | 2565 | 14 | Investment income, trading gains, forex margins | Yield on invested funds, spreads on forex and treasury products | Robust balance sheet growth, liquidity management, market operations | Investment Portfolio, Asset Liability Management |
| Digital Banking | Mobile banking, digital onboarding, digital payments, tab-based customer onboarding | Proprietary digital platforms, AI-first architecture, strong tech investments | Retail and corporate customers using digital channels | Digital loan disbursals, payments | 0 | 0 | Enhanced customer acquisition, service fees, digital transaction volumes | Free to low-cost digital services to drive volume; cross-sell via platforms | Growing smartphone penetration, AI integration, customer convenience, regulatory push | AU 0101 App, AU 0101 Business, Video Banking |
| Other Retail Banking | Financial inclusion via microfinance, rural banking outlets, insurance broking | Strong rural distribution, digital tab onboarding, microfinance expertise | Rural customers, underserved segments, micro entrepreneurs (B2C) | Microfinance, insurance brokering | 14001 | 59 | Interest income, service fees, insurance commissions | Interest on loans, commission-based insurance sales | Financial inclusion policies, expanding rural footprint, technology-enabled outreach | Microfinance, Asset Centres, Business Correspondents |
