| Retail Banking | Personal loans, microloans, housing finance, MSME loans, deposits, digital banking services. | Strong customer base in underserved segments, robust digital platforms, extensive branch network, regulatory license as a SFB. | Mass market retail customers, micro borrowers, urban and semi-urban individuals and MSMEs. | Secured housing loans, digital lending products, and microfinance portfolio. | 6140 | 97 | Interest income on loans, fees on accounts and services, interest on deposits. | Interest rates on loans, product fees, deposits with interest payments, charges on banking services. | Growing financial inclusion, digital adoption, secured lending expansion, and branch network increase. | Hello Ujjivan app, Microfinance loans, Housing loans, MSME finance products |
| Corporate/ Wholesale Banking | Corporate deposits, treasury management, wholesale loans, financial institutional lending. | Specialized risk management, diversified portfolio, access to institutional markets. | Corporates, financial institutions, government entities (B2B and B2G). | Treasury operations and secured institutional lending. | 196 | 3 | Interest income, fees for treasury services, corporate banking charges. | Interest margins, service fees, contract-based pricing. | Corporate banking expansion, improved treasury operations, financial institutional partnerships. | Treasury services, Wholesale lending, Financial Institutions Group (FIG) credit |
| Treasury | Managing investments in government securities and liquid funds, forex operations. | Strong treasury team and risk management practices. | Internal bank operations and regulatory compliance. | Strategic holdings in government securities and liquid assets. | 9 | 0 | Interest income, trading gains, investment returns. | Returns on investments, yield spreads. | Interest rate management and market opportunities. | Investment portfolio and treasury operations |
