| Treasury | Trading in government securities, forex, fixed income instruments, and risk management products. | Experienced treasury team, integrated treasury management software, and RBI approvals for diverse treasury operations. | Internal use aligned with bank operations and some forex services to corporate clients | Forex merchant activities and trading desk profits. | 2204 | 23 | Profits from trading activities, interest income from held-to-maturity investments, and forex commissions. | Market-based trading revenues and fee income. | Volatile interest rates and forex markets, strategic trading positions, and expanding forex merchant services. | |
| Corporate/Wholesale Banking | Credit facilities, working capital loans, term loans, trade finance, and cash management services for corporate clients. | Strong credit assessment, regional knowledge, and diversified client base. | Large corporates, mid-size companies (B2B focus). | Structured finance and trade finance products. | 3647 | 38 | Interest on loans, fees on trade finance and cash management services. | Loan interest and service fees, structured financing. | Sectoral lending focus, portfolio diversification, and maintaining strong client relationships. | |
| Retail Banking | Home loans, auto loans, personal loans, gold loans, credit cards, deposits, and digital banking. | Wide branch network, digital platforms, customer loyalty, and comprehensive product suite. | Individual retail customers, salaried, self-employed (B2C focus). | Personal loans and credit card segments. | 4883 | 41 | Interest income on retail advances, fees from cards and services. | Interest rates on loans, transaction and service fees, digital subscription. | Growing retail loan portfolio, digital adoption, personalized banking products. | SIBerNet, SIB Mirror+, SIB-SBI Co-branded Credit Cards |
| Other Banking Operations | Fee income from ancillary banking services, third-party product distribution, and para-banking activities. | Established customer base and integrated service offerings. | Retail and corporate customers (B2C and B2B). | Fee-based products and services. | 493 | 5 | Fees and commission income. | Fee-for-service and commission-based. | Expansion of third-party distribution and additional banking services. | |
