| Retail Banking | Savings & current accounts, loans, deposits, digital banking, fee management for institutions | Strong customer trust in Kerala, integrated digital platforms, NRI relationship centers | Retail individuals, NRI clients, educational institutions (B2C and B2B) | Loan products, fee-based digital banking services | 81 | 55 | Interest income on loans, fees on accounts and transactions, digital services subscriptions | Interest margins, transaction fees, and service charges | Digital adoption, NRI banking products, fee payment solutions, expanding urban and semi-urban customer base | Dhanam Global Connect Savings Account, Dhan Smart Mobile Banking App |
| Corporate/Wholesale Banking | Corporate lending, bills discounting, letters of credit, merchant banking | Established corporate relationships in southern India, specialized lending expertise | Small and medium enterprises, corporates (B2B) | Corporate loan products, transaction fees | 40 | 27 | Interest income from loans, trade finance fees, corporate service charges | Loan interest, fees based on transaction volumes | Expanding SME sector, growing credit demand, robust trade finance services | Trade Finance, Corporate Loans, Merchant Banking Services |
| Treasury | Management of securities portfolio, forex transactions, financial market operations | Experienced treasury team, efficient risk controls | Internal banking operations and financial markets | Investment income, forex operations | 3 | 2 | Trading profits, interest income from investments, forex spreads | Market driven revenues, trading gains | Active treasury management, interest rate fluctuations, forex market opportunities | Investment Portfolio, Forex Operations |
| Other Banking Operations | Ancillary banking services including demat services and insurance products | Strategic tie-ups with global insurance players | General customers utilizing specialized banking services | Insurance commission, demat transaction fees | 2 | 1 | Service fees, commissions from insurance sales and demat services | Fee-based revenue | Insurance partnerships, increasing demat account penetration | |
