| Treasury | Investment in government securities, bonds, foreign exchange transactions, and market operations. | Primary dealer status with Reserve Bank of India and expertise in debt market operations. | Internal and external market clients including government and institutional investors. | Government securities and high-rated corporate bonds. | 40268 | 32 | Income from interest, trading profits, and fees on treasury operations. | Market-based trading and interest income on investment portfolios. | Monetary policy changes, market liquidity, and trading opportunities. | |
| Corporate/Wholesale Banking | Corporate loans, trade finance, working capital, structured finance, and investment banking. | Strong corporate relationships, wide branch network, and regulatory support. | Large corporates, government entities, and institutional clients (B2B). | Structured finance and specialized credit facilities. | 58598 | 47 | Interest on loans, fees from trade finance and advisory services. | Interest-based lending, fee on services and credit lines. | Economic growth, infrastructure development, and government projects. | |
| Retail Banking | Savings and current accounts, personal loans, home loans, vehicle loans, credit cards, and digital banking services. | Extensive branch and ATM network, strong brand trust, and digital innovation. | Individual consumers and small businesses (B2C). | Personal loans and credit cards. | 38306 | 31 | Interest on loans, fees on transactions, and service charges. | Interest margins, service fees, and digital product charges. | Rising retail credit demand, digital adoption, and financial inclusion programs. | PNB ONE |
| Digital Banking | Mobile banking, internet banking, digital lending, and payment services. | Early adopter of AI-enabled services and comprehensive digital ecosystems. | Retail and corporate customers using digital platforms (B2C and B2B). | Digital lending and payment gateways. | 0 | 0 | Service fees, transaction charges, and loan interest via digital channels. | Usage-based and subscription fees. | Increased digital penetration and customer preference for online services. | PNB ONE, WhatsApp Banking |
| Other Banking Operations | Insurance distribution, mutual funds, demat services, merchant banking, and bancassurance. | Strong distribution network and strategic partnerships with insurance companies. | Retail investors, corporates, and government clients. | Mutual fund distribution and bancassurance. | 3285 | 3 | Commission income and fees. | Commission and service fee based. | Growing insurance penetration and investment awareness. | |
