| Treasury | Manages investments, trading, financial markets activities, liquidity and reserves. | Strong market presence and expertise in treasury operations. | Internal banking clients and financial institutions. | Trading and proprietary investments. | 7597 | 25 | Trading gains, investment income, treasury fees. | Market-driven pricing on investments and trades. | Volatility in financial markets and investment opportunities. | |
| Corporate/Wholesale Banking | Lending, deposits, trade finance, cash management and advisory for corporates. | Deep relationships and expertise in corporate banking. | Large corporates, financial institutions, government entities. | Trade finance and advisory services. | 12323 | 40 | Interest income, fees from corporate services. | Interest-based and transaction fees. | Corporate economic activity, government infrastructure investment. | |
| Retail Banking | Loans, deposits, cards, digital banking for individuals and SMEs. | Strong digital platforms and wide distribution network. | Retail customers, MSMEs. | Credit cards and consumer loans. | 15860 | 51 | Interest from loans, fees from cards and services. | Interest spreads, fees, subscription. | Expanding retail credit demand and digital adoption. | IRIS, YES Pay Next |
| Other Banking Operations | Third-party product distribution, merchant banking, ancillary banking services. | Wide customer base and integrated banking solutions. | Retail and corporate customers. | Third-party product commissions. | 1295 | 4 | Commissions and fees. | Fee-based revenue. | Growth in bancassurance and merchant services. | |
