| Retail banking | Loans, deposits, payment services, wealth management for individual customers | Strong brand, extensive branch/ATM network, technology-enabled services | Retail customers, salaried and self-employed individuals (B2C) | Credit Cards, Wealth Management, Home Loans | 15618468 | 42 | Interest income, fee income, and service charges | Interest-based lending rates, fees for services | Increasing retail credit demand, digital adoption, affordable housing finance | Home Loans, Personal Loans, Credit Cards, Vehicle Loans |
| Wholesale banking | Credit and treasury solutions for mid-sized to large corporates | Robust underwriting, sectoral expertise, strong client relationships | Businesses, large corporates, SMEs (B2B) | Structured finance, syndications | 8243621 | 22 | Interest income, fees on loans and advisory services | Loan interest, structured deals, transaction fees | Growing corporate sector, infrastructure financing, export-import trade | Corporate Loans, Project Finance, Trade Finance |
| Treasury/Investment Banking | Market operations, investments, fund management, mergers & acquisitions advisory | Integrated financial ecosystem, expertise across multiple asset classes | Institutional investors, corporates, high-net-worth individuals | Investment banking fees, proprietary trading | 13504231 | 29 | Trading profits, advisory fees, asset management fees | Fee and commission, trading spreads | Capital markets growth, advisory mandates, asset management expansion | Trading, Investment Advisory, Asset Management |
| Other banking business | Home finance, bancassurance, other financial services | Brand leverage, cross subsidiary synergies | Retail and business customers | Home finance products | 750832 | 2 | Interest income, fees and commissions | Interest rates, fee-based | Affordable housing demand, cross-selling opportunities | ICICI Home Finance, Others |
| Life insurance | Life insurance and pension products | Market leadership, strong distribution network | Individual and group clients (B2C, B2B) | Protection and savings products | 6022424 | 10 | Premiums and investment income | Premium-based | Rising insurance penetration, product innovation | ICICI Prudential Life Insurance |
| General insurance | Motor, health, property, and casualty insurance | Strong brand, underwriting expertise | Individuals and corporate clients | Health and motor segments | 2565109 | 5 | Premiums, underwriting profits | Premium and risk-based pricing | Insurance awareness, health and motor insurance growth | ICICI Lombard General Insurance |
| Others | Broking, investment management, venture funding | Strong network, integrated financial services | Investors, startups, corporates | Brokerage and asset management | 1883265 | 5 | Commissions, fees, investment returns | Transaction fees, management fees | Financial market development, startup ecosystem growth | Investment banking subsidiaries, venture capital, private equity |
