| Retail Banking | Wide range of retail credit products, digital onboarding, auto and housing finance, and consumer credit services | Strong regional brand, government backing, and wide physical and digital footprint in J&K and Ladakh | Retail individuals, salaried employees, farmers, and artisans | Housing loans, gold loans, and education loans yield strong margins | 7647 | 61 | Interest income, processing fees, and commissions from retail loans and deposits | Interest rate based with digital loan products and customized repayment options | Digital loan origination journeys, rising retail deposits and credit demand, expansion of direct selling agents | Housing Loans, Personal Loans, Education Loans, Gold Loans, Merchant Overdrafts |
| Corporate/Wholesale Banking | Credit facilities to business enterprises, government organizations, and corporates | Preferred agency bank status for government of J&K and Ladakh, strong local network | Medium and large-sized corporates, government-linked entities | Working capital and structured finance products | 2746 | 22 | Interest income and fees on commercial loans and trade services | Loan and trade finance based interest and fees | Infrastructure growth in region, government projects, MSME focus | Corporate loans, Working Capital finance, Trade Finance |
| Treasury Operations | Asset-liability management, investments in government securities, forex and derivatives | Experienced treasury team, robust risk framework | Internal to bank; service to corporate and forex clients | Proprietary trading and government securities portfolio | 3187 | 25 | Trading gains, interest on investments, commission and fees on treasury products | Market linked earnings and spreads | Market volatility, strategic asset allocation, risk hedging requirements | Investment portfolios, forex trading, risk management services |
| Other Banking Business | Demat accounts, mutual fund distribution, insurance brokerage via subsidiary JKBFSL | Exclusive local brand name via JKBFSL subsidiary | Individual investors, retail and corporate clients | Margin trading and mutual fund commissions | 106 | 1 | Commissions and fees from broking, depository and distribution services | Fee and commission based | Increased financial literacy, growing investment interest in region | Depository services, third party product distribution |
