banking experience
Wholesale Banking
The Wholesale business focuses on serving Large Corporates, MNCs, Public Sector Enterprises, Emerging Corporates and Business Banking/SMEs.
The Bank offers a wide range of financial products and services from loans, deposits, payments, collections, tax solutions, trade finance, cash management solutions and even Corporate Cards. Through its products and services, the Bank aims to act as a onestop shop for various business needs of the customers in this segment.
Loans and Deposits
Working Capital facilities, Term Lending, Project Finance, Supply Chain Financing, Export Finance, Trade Credit and Wholesale Deposits
Other Banking products and services
Forex & Derivatives, Custodial Services, Cash Management Services, Letters of Credit, Guarantees and Correspondent Banking
Investment Banking services
Capital Finance through Debt/Equity Capital Markets, Mergers & Acquisitions, IPOs, Private Equity, VC Fund Raise, Loan Syndication and Customised Solutions
Retail Banking
The Retail business focuses on serving the individuals, salaried and professional customers, micro and small-sized businesses, extremely small businesses like kirana stores, Self Help Groups (SHGs) and Non-resident Indians (NRIs). Our aim is to create and customise products and services to serve this segment as per its unique needs. We offer the following key products and services under this segment.
Various types of loans
Mortgages, Personal, Auto, Home, Gold, Twowheeler, Small-ticket Working Capital, Offshore Loans to NRIs, Agri and Tractor, Healthcare Finance, Commercial Vehicle & Equipment Finance, Infrastructure Finance and Loan against Securities
Accounts/Deposits
Savings, Current, Corporate Salary Accounts, NRI deposit, Fixed and Recurring Deposits
Other products and services
Credit, Debit and Prepaid Cards, Wealth Management Solutions, Kisan Gold Card; acts as a distributor of Mutual funds; Life, General and Health Insurance
Treasury
The Treasury is the custodian of the Bank’s cash/liquid assets and manages its investments in securities and other market instruments. It manages the liquidity and interest rate risks on the balance sheet and is also responsible for meeting statutory reserve requirements. It manages the treasury needs of customers and earns a fee income generated from transactions customers undertake with your Bank, while managing their foreign exchange and interest rate risks.
Services offered to customers
Foreign exchange and derivatives transactions, Solutions on hedging strategies, Trade solutions – domestic and cross border, Bullion demands and others
Key functions performed
Asset liability management, maintaining portfolio of Government securities in line with regulatory norms of RBI and others
We are the Preferred Banker of Choice across segments and this is enabled by:
- Delivery of best in class services through customised solutions, products and through optimum use of technology
- Strong product proposition for NRIs through branches in India and overseas
- Market leader in almost every asset category with best-in-class portfolio quality
- Pioneer and strong player in the digital loan marketplace
- Providing customers with a product suite across all asset classes for 'optimal asset allocation' depending on clients’ risk profiles and goals
- Dominant presence in Payments Business
- Being a market leader in Cash Management Services
- Open architecture, best-in-class portfolio quality and regular portfolio rebalancing
- Robust Risk Management practices across all businesses and activities
- Solutions for non-residents, hedging needs in Indian markets
- Integrated trade and treasury solution for customers
- Primary dealer for Government securities