| Retail Banking | Savings accounts, personal and home loans, gold loans, credit/debit cards, digital banking services, wealth management | Strong retail brand, extensive branch and digital network, innovative products | Individual retail clients including salaried, self-employed, NRIs | Personal loans, credit cards, gold loans | 18787 | 55 | Interest on loans, fees on accounts and cards, commissions on products | Loan interest rates, fee-based charges, and service subscriptions | Digital adoption, increased retail lending, card usage, and wealth products pipeline | FedNet, FedBook, FedOne Card, Fed-E-Credit Loan |
| Corporate/Wholesale Banking | Working capital, term loans, trade finance, forex, syndication | Strong corporate relationships, sector expertise, international banking units | Corporate clients, SMEs, institutions | Structured finance, trade finance | 8358 | 25 | Interest income, fee income from transaction services | Interest and fee-based, customized credit solutions | Growth in corporate credit, improved economic activity, new product launches | Corporate loans, supply chain finance, trade finance |
| Treasury | Investment in securities, bonds, shares; trading and interest income generation | Expertise in investment strategies, steady income source | Internal bank portfolio and treasury clients | Investment trading and treasury management | 4536 | 13 | Trading gains, investment income, interest | Market-driven returns | Yield management, market conditions, regulatory frameworks | Investment and trading portfolio management |
| Other Banking Operations | Electronic banking, cash management, merchant banking, insurance, mutual funds distribution | Wide customer base and distribution network | Retail and corporate customers | Fee income from third party products | 342 | 1 | Service income and fees | Fee-based charges | Increased cross-selling, technology adoption | Ancillary banking services |
