| Retail Banking | Savings and current accounts, retail loans including housing, gold, auto, personal loans, and deposit products. | Strong retail deposit base with 37% CASA, trusted brand in regional markets, efficient risk management. | Middle-income individuals and small businesses (B2C). | Personal loans, housing loans, and deposit services with high CASA contributions. | 675 | 74 | Interest income on loans, fee income on accounts and services. | Interest rates on deposits and loans; fee-based charges for services. | Rising demand for retail credit, increase in banking awareness and digital adoption. | Capital Savings Account, Capital Super Savings Account, Capital Plus Current Account |
| Corporate/Wholesale Banking | Loan products aimed at corporate clients, NBFCs, and large trading entities. | Established credit assessment with stringent risk controls; niche presence in regional markets. | Corporate entities and financial institutions (B2B). | Term loans and structured finance deals. | 91 | 10 | Interest income from term loans and working capital facilities. | Negotiated interest rates and fees. | Corporate credit demand and project financing requirements. | |
| Treasury | Investment management, trading in government securities and bonds. | Experienced treasury team with prudent risk management. | Internal operations; regulatory compliance and asset-liability management. | Government securities and strategic investments. | 189 | 21 | Income from interest, trading gains, and investments. | Market-linked yields and interest income. | Interest rate cycles and yield optimization strategies. | |
| Other Banking Operations | Ancillary services including forex, locker services, bancassurance fees. | Customer trust and branch network enable ancillary revenue. | Retail and corporate clients. | Bancassurance and forex services. | 40 | 5 | Fee and commission income. | Fee based per service. | Cross-selling opportunities and service expansion. | |
