| Retail Banking | Savings, current accounts, retail loans, personal loans, credit cards, digital banking services, insurance products | Strong regional brand, extensive branch and ATM network, and customer-centric digital platforms | Retail customers including salaried individuals, professionals, farmers, and MSMEs | Personal loans, credit cards, and fee-based digital services | 3972 | 68 | Net interest income from advances, fee income from banking services, and commissions | Interest-based lending rates, account fees, and transactional charges | Digital lending, credit card initiatives, growing salaried customer base, and rural retail demand | Savings Accounts, Fixed Deposits, CUB Smart Deposits, CUB Desire, CUB SalarySe Credit Card |
| Corporate/Wholesale Banking | Wholesale credit, MSME financing, trade services, cash management solutions | Granular asset profile with secured lending and minimal corporate concentration risk | Small and medium enterprises, wholesale traders, corporate clients | MSME and working capital loans | 1403 | 24 | Interest income from corporate advances and transaction fees | Interest income on credit products, fee for trade finance and cash management | Focused MSME lending strategy and regional trade demand growth | Trade Finance, MSME Loans, Term Loans, Working Capital Finance |
| Treasury | Investment in government securities, forex trading, treasury risk management | Robust risk management and integrated treasury operations | Internal treasury operations and financial markets | Government bond portfolio | 1240 | 7 | Income from investments, trading profits, and forex operations | Yield on investments and trading spreads | Favorable interest rate environment and inclusion of Indian bonds in global indices | Government Bonds, Investment Portfolio, Forex Operations |
| Other Banking Operations | ATM operations, third-party product distribution, digital payment services | Wide ATM network and strategic tie-ups with multiple insurance providers | Bank customers using digital and payment services | Fee-based income from insurance and digital services | 118 | 1 | Fee income from ATM usage, commissions from insurance and mutual fund sales | Transaction fees and commissions | Growing digital adoption and cross-selling insurance products | ATM Services, Payment Solutions, Insurance Distribution |
