| Retail Banking | Personal loans, mortgages, credit/debit cards, digital banking, wealth management, insurance distribution. | Strong brand, extensive branch and digital network, tech-enabled customer acquisition, cross-selling capabilities. | Consumers including salaried, self-employed, rural and semi-urban individuals, mass affluent and urban. | Credit cards, wealth management, personal loans, digital payments. | 2834262 | 57 | Interest income, fees, commissions, mutual fund and insurance distribution revenue. | Fee and interest-based with digital origination boosting operational efficiency. | Digital adoption, increased lending in mortgages, personal loans, rural penetration, payments ecosystem expansion. | Xpress Car Loans, PayZapp, SmartHub Vyapar |
| Wholesale Banking | Working capital loans, term loans, trade finance, cash management, investment banking for corporates and SMEs. | Deep client relationships, product breadth, digitally empowered service platforms, market leadership in debt capital markets. | Large corporates, emerging corporates, MSMEs, government entities. | Corporate lending, trade finance, transaction banking. | 1919645 | 38 | Loan interest, fees on trade services, treasury operations. | Relationship-based lending with transactional and fee income. | Infrastructure financing, digital trade platforms, supply chain finance, government collections. | Corporate E-Net Banking, Trade on Net (TON) |
| Treasury | Management of investments, foreign exchange, derivatives, liquidity and interest rate risks. | Robust risk management, significant market participation, investment in government securities. | In-house and external corporate customers in forex and treasury products. | Trading book, foreign exchange customer deals. | 622274 | 5 | Interest spreads, trading profits, fee income from hedging services. | Trading and transaction spreads, fee-based services. | Interest rate environment, forex market activity, regulatory liquidity norms. | |
| International Business | NRI banking, trade credits, foreign currency term loans, wealth management in overseas branches and IFSC. | Strong brand recognition among NRIs, strategic foreign branches. | Non-Resident Indians, global corporates, offshore clients. | NRI deposits, foreign exchange, trade finance. | 49696 | 1 | Interest income, fees, forex trading and remittances. | Conventional banking fee and interest models. | Growing NRI base, expanding IFSC banking, international trade flows. | |
