| Retail Banking | Savings, deposits, personal loans, vehicle loans, home loans, digital savings accounts and wealth management services. | Extensive branch network, established brand, government ownership, and extensive digital transformation. | Individual retail customers, salaried and self-employed segments, NRIs, and investors. | Personal loans, wealth management, and digital banking products have higher margins. | 44128 | 34 | Interest income from loans, fees on deposits and wealth management, digital transaction charges. | Interest based on loan type, fees and charges for services and transactional usage, fixed deposit interest rates. | Growth in digital adoption, salaried and urban customers, government schemes, rising retail credit demand. | Union VYOM App, Union Digital EASE, Union Samvridhi |
| Corporate/Wholesale Banking | Corporate lending, trade finance, cash management, treasury operations, syndications. | Strong government backing, wide geographic reach, and competitive treasury capabilities. | Large corporates, SMEs, government entities, exporters and importers. | Corporate loans and treasury operations deliver higher profitability. | 46022 | 36 | Interest from loans, fees from trade finance and cash management services. | Predominantly interest income with fees and service charges based on transactions. | Infrastructure development, government capex, MSME credit, digital treasury solutions. | |
| Treasury Operations | Investment portfolio management, forex, government securities trading, asset-liability management. | Experienced treasury team and access to government securities market. | Internal bank treasury, government agencies, and institutional clients. | Trading gains and strategic investments. | 32848 | 25 | Returns on investments, trading gains, interest income. | Market-driven yields on investments and trades. | Interest rate environment, capital market conditions, forex fluctuations. | |
| Digital Banking Operations | Digital payments, UPI transactions, digital wallets, and online loan processing. | Early adoption of CBDC, strong fintech partnerships, extensive digital ecosystem. | Tech-savvy retail and corporate customers, fintech partners. | Value-added digital services and payments. | 963 | 1 | Transaction fees, subscription fees, digital product charges. | Fee-based and volume based transactional charges. | Rising internet penetration, mobile banking adoption, fintech integrations. | Union VYOM app, Digital Rupee by UBI app |
