| Retail Banking | Microfinance loans, MSME loans, housing loans, personal loans, vehicle loans, digital banking services | Strong rural distribution, digital capabilities, joint liability group model reducing risk | Mainly retail individuals, micro entrepreneurs, small businesses (B2C) | Microfinance and secured retail loans have higher margins | 3062 | 81 | Interest income from loans, fees from banking services | Loan interest rates, fees, and charges based on product type and risk profile | Expanding rural outreach, digital onboarding, new product launches | Joint Liability Group loans, Micro LAP, Wheels loan, Housing loans, Gold loan |
| Corporate /Wholesale Banking | Loans and deposit products tailored for SMEs, mid-corporates, institutional clients | Niche SME lending experience, secured loan portfolio | Small and medium enterprises, corporate clients, financial institutions (B2B) | Secured corporate loans | 218 | 6 | Interest income from loans, banking fees | Negotiated loan interest rates and fees | Growing SME segment, secured lending focus | Wholesale lending products: term loans, working capital finance, bank guarantees |
| Treasury | Investment management, liquidity management, trading in government securities | Prudent investments, regulatory compliance | Internal bank operations | Investment income in government securities | 298 | 8 | Income from investments and treasury operations | Returns on investment portfolio | Investment yield management, interest rate movements | |
