| Treasury | Investment portfolio management, foreign exchange trading, and derivative contracts. | Strong market expertise, scale, and regulatory standing. | Corporate clients, institutional investors. | Trading and investment income from high-yield instruments. | 134627 | 27 | Income from trading gains, investments yields, and foreign exchange operations. | Market-based returns and trading spreads. | Market volatility, interest rate trends, regulatory environment. | |
| Corporate / Wholesale Banking | Corporate lending, mid corporate finance, stressed asset management. | Deep client relationships and extensive branch network. | Large corporates, government entities, mid-sized companies. | Corporate loans and structured finance. | 148999 | 29 | Interest from loans, fees from services, and trade finance. | Loan interest, structured finance fees. | Economic growth, infrastructure financing, corporate credit demand. | |
| Digital Banking | Digital banking services including mobile banking, digital payments, online loans, and investment services. | Large user base of 9.6 crore registered users and integrated digital platform. | Retail and corporate digital users. | Digital loans and transaction fees. | 7731 | 2 | Service fees, transaction charges, digital product revenue. | Transaction-based and subscription fees. | Customer digital adoption, fintech integration, regulatory support. | YONO |
| Other Retail Banking | Personal loans, home loans, auto loans, deposit products, and payment services. | Largest retail banking network and trusted brand. | Individuals, small businesses. | Home loans, personal loans, and credit cards. | 233943 | 36 | Interest on loans, deposit margins, fees on accounts and credit cards. | Interest income and fees on services/products. | Rising retail credit demand, home loan market growth, SME finance. | |
| Insurance Business | Life and general insurance products, mutual funds, pension funds. | Exclusive bancassurance rights and trusted brand. | Retail and corporate insurance buyers. | Life insurance premiums and investment income. | 114143 | 17 | Premium income, asset management fees, commissions. | Premium based and asset management fees. | Insurance sector growth, bancassurance model leverage. | SBI Life Insurance |
| Other Banking Operations | Ancillary banking services including custodial services, payment services, and financial advisory. | Brand trust and wide client base. | Corporate and retail clients. | Payment services and advisory fees. | 31108 | 5 | Fees, commissions, and service charges. | Fee for service. | Financial services diversification and cross-selling. | |
