| Retail Banking | Loans for housing, vehicles, education, personal loans; savings accounts; digital onboarding and mobile banking | Strong regional presence, digital loan journeys, government support, broad financial product portfolio | Individuals and salaried customers (B2C) | Personal loans and digital loans with faster approvals | 5194 | 26 | Interest income on loans, account fees, service charges, digital transaction fees | Competitive interest rates with digital loan approvals and flexible repayment options | Rising retail credit demand, digital lending platforms, financial inclusion initiatives | PSB e-Apna Ghar, PSB e-Apna Vahan, e-Shishu Mudra, e-KCC |
| Corporate/Wholesale Banking | Capital expenditure loans, working capital, syndication, cash management, trade finance | Government backing, strong MSME focus, customized corporate solutions | Large corporates, mid-sized and small enterprises, government institutions (B2B) | Corporate term loans and fee-based cash management services | 4225 | 21 | Interest income, transaction fees, loan syndication commissions | Structured term loans, working capital financing, fee-based services | Economic growth, infrastructure development, MSME financing support | Corporate credit, term loans, working capital finance, letters of credit |
| Treasury | Investment in bonds, government securities, and financial instruments for liquidity and income | Expertise in managing a diversified investment portfolio, regulatory compliance | Internal bank operations and market participants | Proprietary investments in government bonds | 3600 | 18 | Interest income, trading gains | Market-linked returns on securities holdings | Interest rate environment, government securities market | Investment portfolio, trading in government and corporate securities |
| Digital Banking | Mobile banking app, online loans, digital payments, e-KYC, unified corporate banking platform | Integrated digital ecosystems offering seamless and paperless customer journeys | Retail and corporate clients using digital channels | Digital lending products | 0 | 0 | Digital transaction fees, loan interest, service subscriptions | Transaction-based fees and interest income | Increasing smartphone penetration, regulatory push for digital banking | PSB UniC App, digital loan products, e-Bank Guarantee |
| Other Banking Operations | Insurance agency, mutual fund distribution, tax collection, pension payments | Exclusive distribution agreements and government agency status | Retail clients, government bodies, insurance and mutual fund companies | Insurance and mutual fund distribution | 30 | 0 | Commission income, fees from government services | Commission and agency-based revenue models | Partnerships with insurance and AMCs, government mandates | Third-party insurance, mutual funds distribution, government business services |
