| Retail Banking | Deposit accounts, personal and housing loans, vehicle finance, SME debit cards, digital banking for retail clients. | Extensive branch & digital network with trusted public brand and government backing. | Individual retail customers, salaried and self-employed. | Personal and housing loans have higher margins. | 14313 | 45 | Interest income from loans, fees on accounts and cards, service charges. | Interest rates on loans, fees on accounts and services, tiered charges. | Rising retail credit demand, digital adoption, government financial inclusion schemes. | Savings Accounts, Personal Loans, Home Loans, Vehicle Loans, Credit Cards |
| Corporate/Wholesale Banking | Loans and credit facilities to corporates and MSMEs, forex and trade finance services. | Strong relationships, government schemes, and specialized credit skills. | Corporate clients, MSMEs, exporters. | Working capital loans and export credit. | 10067 | 32 | Interest income, fees on non-fund based products, trade commissions. | Interest and fee-based pricing tailored to client risk and volume. | Economic growth, MSME credit demand, export-import financing. | Corporate Loans, Working Capital Finance |
| Treasury | Investment management, forex operations, treasury services. | Experienced treasury desk with regulatory compliance. | Internal treasury operations and client forex needs. | Trading and investment portfolio yields. | 7991 | 25 | Interest and trading profits from securities and currency market operations. | Market-driven yields and spreads. | Interest rate cycles, forex volume, capital market conditions. | Government Securities, Bonds, Foreign Exchange |
| Digital Banking | Online account access, payments, loan applications, and customer service digital tools. | In-house technology development and integration with legacy systems. | Retail and corporate tech-savvy clients. | Digital loan origination and payments. | 0 | 0 | Increased customer acquisition reduces costs; supports fee income on transactions. | Free basic access, fee on certain transactions or value-added services. | Digital penetration, customer convenience, regulatory push for digital payments. | Mobile Banking, Internet Banking, WhatsApp Banking |
