| Retail Banking | Retail deposits, savings accounts, loans including housing, personal, and vehicle loans, insurance-related products, and digital banking services. | Strong regional brand, robust branch and ATM network, digital platforms, and loyal customer base. | Individual retail customers, salaried professionals, and small businesses (B2C). | Loan products and insurance-linked deposit schemes. | 4306 | 70 | Interest on loans, fees from accounts and services, commissions from insurance and third-party products. | Interest rates on loans/deposits, transaction fees, service charges, and commissions. | Increasing retail deposits, digital adoption, new product launches, and financial inclusion initiatives. | TMB Surabhi ATM, Siranjeevee Recurring Deposit |
| Corporate / Wholesale Banking | Corporate lending, working capital finance, trade finance, foreign exchange services, and treasury products for businesses. | Strong relationships with MSME sector, specialized teams, and treasury expertise. | Small to medium enterprises and corporate clients (B2B). | Working capital loans and foreign exchange services. | 580 | 10 | Interest income from corporate loans, fees on trade and forex services. | Interest and fees based on loan products and services provided. | Focused lending to priority sectors, government schemes supporting MSMEs, and trade finance growth. | |
| Treasury | Investment and trading in government securities, bonds, money market instruments, managing liquidity and interest rate risk. | Experienced treasury team and strategic asset allocation aligned with regulatory norms. | Internal bank operations primarily; supports overall bank liquidity and risk management. | Investment portfolio management and proprietary trading gains. | 1256 | 20 | Trading gains, interest income, and treasury commissions. | Market-driven returns and interest spreads. | Favorable interest rates, asset-liability management, and efficient liquidity deployment. | |
