2021-22Annual Report
The retail banking segment meets the needs of individual clients and businesses. Under the segment, we offer products and services for CV/CE financing, agri banking, business banking and retail banking. The retail banking segment provides deposits, mortgage-backed housing loans, retail loan against property (Retail LAP), auto loans, cards and payments, non-resident banking and wealth management services. Business Banking segment provides business loans primarily to Micro, Small and Medium Enterprises (MSMEs). The CV/CE segment finances single unit owners, fleet operators and strategic clients for their purchase of new and used Commercial Vehicles and Construction Equipment. The Agri Banking segment focuses on providing financing solutions to agriculture and priority sector.
The wholesale banking segment comprises commercial banking (CoB) and Corporate and Institutional Banking (CIB). The CoB division provides complete financing solution to mid-market and MSMEs. The CIB caters to large business houses and corporates, MNCs, capital market clients, PSUs and financial institutions. The solutions offered by wholesale banking include workingcapital, term loan, trade finance, cash management, supply chain finance, foreign exchange services, structured offerings, gold metal loan and liability products.
* Fed EBiz is a complete 360 Degree Digital Omni-Channel Transaction Banking Platform for Corporates, which includes Account Services, Payable Management (Vendor & Salary Payments, Host to Host Integrations, Instrument Printing etc.) and Receivable Management (Cash & Cheque Collections, Mandate-based direct debits, Virtual accounts etc.)