| Corporate/Wholesale Banking | Credit and advisory services for large corporates, project finance, and infrastructure funding. | Long-standing relationships, government backing, specialized project appraisal unit. | Large corporates, infrastructure companies, MSMEs. | Structured finance and syndication services. | 8659 | 26 | Interest income, fees from corporate lending and advisory services. | Loan interest rates, fees, and syndication charges. | Government infrastructure projects, corporate credit demand. | Corporate Loans, Syndicated Credit |
| Retail Banking | Deposits, retail loans, payment services, digital banking for individual customers. | Wide branch network, digital channels, government schemes tie-ups. | Individual consumers, salaried professionals, MSMEs. | Retail loan portfolio and low-cost CASA deposits. | 9715 | 30 | Interest margin on loans, service fees, card transaction fees. | Interest rates on loans, fees on services and transactions. | Rising retail credit demand, digital banking adoption, government financial inclusion schemes. | Savings and CASA Accounts, Personal Loans, Home Loans, Debit Cards |
| Treasury | Investment in government securities, management of liquidity and market risks. | Robust treasury operations with strong regulatory compliance and market expertise. | Internal bank operations, institutional investors. | Trading and investment in government securities and green bonds. | 14391 | 44 | Trading profits, interest income from investments. | Market-based pricing, trading spreads. | Interest rate movements, capital market growth. | Government Securities, Green Bonds |
| Other Banking Operations | Miscellaneous banking operations including advisory and trustee services. | Established market presence in specialty services. | Various corporate and institutional clients. | Fee-based services. | 474 | 1 | Fee-based income. | Service fees and commissions. | Ancillary banking demand. | Ancillary Banking Services |
