| Financial Services and Lending | Retail, MSME, and commercial lending including loan syndication, lease and hire-purchase, bill discounting. | Established brand, diverse financial product portfolio, strong client base, and compliance-driven governance. | B2B, B2C, including corporates, small businesses, and individual borrowers. | Merchant banking and fee-based advisory services yield higher margins compared to pure lending. | 49 | 100 | Primarily interest income from loans, fee-based merchant banking and syndication services. | Interest-based lending with negotiated terms; fee income from merchant banking and advisory services. | Rising credit demand in retail and MSME sectors; strong client relationships; expanding merchant banking activities. | |
