| Corporate/Wholesale Banking | Large corporate loans, commercial banking, treasury and transaction banking services. | Strong client relationships, tailored financing solutions, treasury expertise. | Large corporates, SMEs, financial institutions (B2B). | Fee income from syndicated loans, trade finance. | 5815 | 41 | Interest income, fees, treasury gains. | Interest and fee-based, customized pricing. | Growing corporate credit demand, transaction banking expansion. | Corporate Loans, Commercial Banking Solutions |
| Retail Banking | Secured and unsecured retail loans, credit cards, deposits, microfinance. | Expanding branch and digital reach, microfinance subsidiary, co-branded credit cards. | Retail individuals, salaried, self-employed (B2C). | Credit cards, personal loans, new secured retail products. | 13688 | 48 | Interest income, fees from loans and cards, deposit spreads. | Interest plus fee-based, competitive retail rates. | Product diversification, branch expansion, secured lending focus. | Home Loans, Personal Loans, Vehicle Finance, Credit Cards, Microfinance via RBL FinServe |
| Treasury Operations | Investment of funds, forex market operations, asset-liability management. | Robust risk management and experienced treasury team. | Internal and institutional counterparties. | Trading and investment gains. | 8073 | 28 | Trading gains, interest income. | Market-driven returns and spreads. | Interest rate movements, forex turnover expansion. | Investment Portfolio, Forex Services |
| Other Banking Operations | Branch operations, digital banking services, payment processing. | Technology integration, extensive branch network. | All bank customers. | Digital payments fees. | 211 | 1 | Service fees, transaction charges. | Fee and service charge-based. | Increasing digital adoption. | Branch Banking Support, Digital Banking Platforms |
