| Domestic Operations | Deposits, Loans, Advances, Fee-based services, Digital Banking | Large branch network, strong government ties, digital infrastructure, diverse customer base | Retail, MSME, Corporate, Agriculture, Government | Retail personal loans, digital banking, treasury operations | 134818 | 77 | Interest income, fees, commissions, and digital transactions | Interest margins, fees, and transaction charges | Strong retail loan growth, MSME financing, digital adoption, government schemes | Retail Loans, Corporate Banking, Treasury Services |
| International Operations | Deposits, Loans, Foreign Exchange, Trade Finance, Offshore Banking | Wide overseas footprint, RBI licenses, correspondent banking networks | NRIs, corporates engaged in international trade, export-import businesses | Trade finance, foreign exchange, offshore banking | 18066 | 10 | Interest spreads, transaction fees, forex operations, trade finance charges | Interest and fee-based | Increasing NRI deposits, expanding overseas loan book, trade finance growth | NRI Banking Services, Trade Finance, Foreign Currency Credits |
| Corporate/Wholesale Banking | Wholesale deposits, corporate advances, cash management, syndication | Sector-specific expertise, strong client relationships | Large corporates, mid-sized companies, government entities | Project finance, specialized lending | 52292 | 30 | Interest income, transaction fees from services and syndication | Credit interest, service charges | Infrastructure finance, project loans, sector specific growth | Corporate Loans, Mid Corporate Advances |
| Retail Banking | Deposit accounts, retail loans, credit cards, lockers | Large customer base, extensive branch network | Individuals, salaried employees, self-employed | Personal loans, gold loans | 1 | 0 | Interest on loans, fees on cards and locker services | Interest margins, fee-based commissions | Increase in consumer loans, digital loan disbursal | Home Loans, Auto Loans, Personal Loans, Gold Loans |
| Digital Banking | Digital transactions, mobile banking, internet banking, UPI payments | Robust digital platforms, large user base, innovative AI-driven services | Retail and corporate digital users | Merchant UPI transactions, digital lending | 55743 | 32 | Transaction fees, merchant onboarding charges, value-added services | Transaction-based, subscription models | Rising digital adoption, fintech integration, government push for digital payments | bob World UPI, bob World App, Baroda Connect |
| Other Banking Operations | Cash management services, remittance, payment processing | Trusted government banking partner, extensive service network | Government, treasury, corporate clients | Fee income from government schemes | 10844 | 6 | Fee-based income | Service fees | Government business expansion, trade finance | |
