Home About Us Our Business Segments Our Business Segments Corporate and Institutional Banking (C&IB) Commercial Banking (CB) Branch and Business Banking (BBB) Development Banking and Financial Inclusion (DB&FI) Agri Business Banking (AB) × Corporate and Institutional Banking (C&IB) Our C&IB business segment caters to the Banking needs of enterprises, corporate entities and particularly large-sized corporations (i.e. companies with annual revenue of over ₹ 1500 crore or a gross block in excess of ₹ 750 crore).A sub-segment within C&IB, namely Financial Institutions and Government Undertakings (“FIGU”) group, deals with public sector undertakings, government boards and departments and financial institutions. × Commercial Banking (CB) Our CB segment finances the business needs of SMEs (companies and firms with annual revenue from ₹ 350 crore to ₹ 250 crore) and mid-sized companies (enterprises and companies with annual revenue from ₹ 250 crore to ₹ 1,500 crore). The special focus of this segment is to serve the Banking needs of emerging and fast growing enterprises, newer businesses and industry segments of the Indian economy such as logistics, e-commerce, consumer services and organized retail segments. The predominant aim of the CB segment is to become the prime choice for serving the Transaction Banking needs for clients in the Cash, Trade and Forex businesses. × Branch and Business Banking (BBB) BBB focuses on individual accounts and business accounts and uses our branch network to service both. Individual Accounts We offer a broad range of individual account services and products to meet the growing needs of individuals and small businesses across urban and rural India. These services include deposits, credit cards and a range of Consumer Banking loans (consisting of loans and overdrafts against property, loan against gold, loan against deposits; home, personal, car, auto, educational and business loans), payment solutions, foreign exchange services, depository services and wealth management services. We also cross-sell and up-sell products offered by third parties, including distribution of life insurance and general insurance products and mutual funds to our customers Business Accounts Our business accounts focus on SME and MSME clients with high volume Transaction Banking requirements. We offer products and solutions to facilitate domestic and cross-border capital flow transactions, foreign exchange services, cash management (payments and collections), working capital, term loans and trade finance products. As part of our select industry segment focus, we have created and packaged vertical offerings that are customized to suit specific industry sectors and clients such as IT, ITES, shipping, leather, hospitals, educational institutions, telecom equipment, auto ancillaries, travel and tourism companies, embassies, trusts and clubs. × Development Banking and Financial Inclusion (DB&FI) Our DB&FI segment provides financial services to the developing and rural parts of India, which have generally not had access to financial products and services. Our products include credit facilities to individuals, groups and small businesses, programmed savings; life, health and general insurance products and money transfer (remittance) services. It is been observed that women borrowers tend to display superior credit behavior both individually and in groups. We also provide finance to women borrowers with a view of achieving financial inclusion for women and help promote a social change. We believe that typically most of our DB&FI customers begin experiencing Banking services through credit and remittance products before moving up the chain of value added services and more sophisticated products. We also lend to financial intermediaries such as MFIs, affordable housing finance companies and NBFCs engaged in lending to MSMEs. × Agri Business Banking (AB) Our AB segment services the customers involved in agriculture and allied activities. The objective of this segment is to capture the Banking requirements across the entire agri-value chain and create a loyal customer base by offering a complete bouquet of products and services. Under our holistic approach to serving the needs of AB customers, we offer customized products that can be divided in four groups by their purpose: (i) pre-harvest (farm finance, land development irrigation loans and farm equipment loans), (ii) post-harvest (commodity finance, warehouse finance and cold chain), (iii) agri-infrastructure (irrigation facilities and post-harvest transport) and (iv) allied loans (fisheries, dairy, poultry and investment loans), or in three groups by customers: (i) retail agribusiness, (ii) corporate agribusiness and agri-value chain and (iii) commodity business.