| Retail Banking | Deposit products, retail loans including gold loans, personal, home loans, digital banking. | Deep rural network, digital delivery, trusted brand in gold lending. | Retail individuals, including small and underbanked segments (B2C). | Gold loan portfolio and fee-based services. | 2523 | 58 | Interest income, fees on loans and deposits, transaction charges. | Interest rates on loans, transaction fees, tiered deposit interest rates. | Strong growth in gold loans and retail advances supported by branch expansion and technology. | Gold Loans, Personal Loans, Housing Loans |
| Corporate/Wholesale Banking | Corporate lending, trade finance, treasury services for wholesale clients. | Specialized risk management, growing product suite. | Large corporates, medium enterprises (B2B). | Structured credit and treasury solutions. | 1122 | 26 | Interest on advances, treasury income, fees and commissions. | Interest plus service charges, negotiated terms. | Focus on corporate banking growth, risk management, and increased credit demand. | Corporate Loans and Advances |
| Treasury | Investment in money and capital markets, asset-liability management. | Efficient treasury operations with advanced risk tools. | Internal, whole bank segment supporting liquidity. | Strategic investments and treasury operations. | 764 | 17 | Interest income, trading profits, treasury fees. | Market driven yields and spreads. | Prudent treasury investments and risk-based asset management. | Investment and Trading Portfolio |
| Other Banking Business | Ancillary banking services, fee-based income streams. | Cross selling through extensive branch network. | General banking customers (B2B and B2C). | Fee income from third-party products. | 161 | 4 | Service fees and miscellaneous income. | Fee based. | Expanding fee income through product diversification. | |
