| Treasury Operations | Manages investment portfolio, foreign exchange and liquidity risk to optimize returns and regulatory compliance. | Experienced treasury management team, regulatory compliance, and strong risk controls. | Internal bank function supporting all business verticals and managing external market exposures. | Fixed income securities and strategic investment portfolio management. | 1745 | 12 | Income from investment yields, trading gains, and foreign exchange operations. | | Interest rate and market conditions, regulatory norms, and liquidity demand. | |
| Corporate/Wholesale Banking Operations | Provides large-scale loans, trade finance, working capital, and other services to corporate clients and institutions. | Strong client relationships, risk management expertise, and regional presence. | Medium to large corporates, MSMEs, and government entities. | Customized corporate loans and trade finance. | 2055 | 14 | Interest income, fees from credit facilities, and transaction services. | Loan interest rates, fees and service charges. | Corporate credit demand, economic growth, and structured finance products. | |
| Retail Banking Operations | Offers retail loans, deposits, savings accounts, digital banking, insurance, and payment services to individuals and small businesses. | Wide branch and ATM network, tailored products, and digital innovation. | Retail individuals, salaried professionals, and micro enterprises. | Personal and agriculture loans, bancassurance, and fee-based digital services. | 7532 | 52 | Interest on loans, account fees, commissions from insurance and payment services. | Loan rates, account charges, and service fees. | Growing retail credit, digital adoption, financial inclusion programs, and expanding branch network. | KVB Elite Bike Loan, Special Home Loan, KVB Kisan Mitra |
| Other Banking Operations | Includes asset recovery, consultancy, and other banking related support services. | Specialized recovery teams and scalable operations. | Internal and external banking stakeholders. | Asset recovery businesses. | 176 | 2 | Recovery income, service fees, and other operational revenues. | | Enhanced recovery processes and service expansions. | |
