| Retail Banking | Deposit accounts, retail loans including microfinance and housing, digital banking and debit cards. | Deep rural reach, strong customer trust, integrated digital platforms, social banking reputation. | Retail individuals in rural, semi-urban and urban areas; B2C focus. | Microfinance loans and credit cards. | 352998 | 91 | Interest from loans, fee from account services, cards, and digital transactions. | Interest spread basis, fee-for-service, tiered lending products. | Increasing financial inclusion, rural credit demand, digital onboarding and expanded branch network. | INORI Premium Credit Card, Microfinance Loans, Mortgage Loans, Personal Loans |
| Wholesale Banking | Working capital, term loans and trade finance products for MSMEs and corporate clients. | Strong MSME relationships, local market knowledge, regulatory licensing. | Small and medium enterprises, select corporates; B2B focus. | Trade financing and customised MSME loans. | 14161 | 4 | Interest income and service fees from MSME/corporate lending. | Interest margin and fee-based pricing. | MSME sector growth, expanded supply chain finance, and enhanced credit solutions. | MSME Loans, Corporate Loans |
| Treasury | Investment and liquidity management including government securities, forex and treasury operations. | Robust treasury desk, regulatory compliance, and risk management. | Internal and selected institutional clients. | Proprietary portfolio management. | 535 | 1 | Investment income, trading gains and fees from treasury services. | Portfolio yield and fee income. | Interest rate management, forex operations enabled by AD-1 license. | |
| Other Banking Operations | Third party product distribution, ancillary services and fee income from non-lending operations. | Established distribution networks and trusted brand. | Varied banking customers and channel partners. | Product distribution fees. | 12367 | 3 | Fee income from distribution and ancillary services. | Commission and fee-based. | Third-party partnerships, increased customer transaction volumes. | |
