| Retail Banking | Savings, deposits, personal loans, mortgages, credit cards, consumer finance | Strong brand, digital platform, extensive distribution, deep rural reach | Primarily individual consumers across urban, semi-urban, and rural India (B2C) | Credit cards, personal loans, fee-based wealth products | 36145 | 74 | Interest income from loans, fees on credit cards, service charges, and commissions | Interest rate based on risk profiles, competitive loan pricing, fee-based services | Digital banking adoption, affordable housing loans, vehicle finance expansion, SME retailization | INDIE App, Bharat Sanjeevani Microfinance, Vehicle Finance |
| Corporate/Wholesale Banking | Corporate lending, trade finance, treasury, and advisory services | Leadership in niche sectors, relationship banking, integrated risk management | Large corporates, mid-markets, institutional clients (B2B) | Investment banking and fee-based transaction banking | 12788 | 26 | Interest income on corporate loans, fees from trade services, treasury gains, advisory fees | Loan interest, fee-based services, structured products | Focus on risk-adjusted returns, sectoral expertise, liability-led growth | Transaction Banking, Investment Banking, Capital Markets Services |
| Treasury | Asset-liability management, foreign exchange operations, market risk management | Expertise in treasury operations, technology-enabled market surveillance | Internal bank functions, corporate clients, investors | Proprietary trading and forex operations | 7370 | 15 | Trading profits, interest income, forex fees | Market-driven yields, risk-adjusted trading returns | Macro-economic conditions, interest rate cycles, regulatory changes | Investment portfolio, forex and derivatives |
