Indian Bank, a public sector lender, is optimistic about maintaining its strong performance trajectory due to a growing advances portfolio across retail and corporate sectors. The bank plans to establish an operational subsidiary within six months. Indian Bank is experiencing steady growth, especially in retail, with housing loans driving 60% of its loan portfolio. Expanding DSA tie-ups, collaborating with OEMs, and establishing corporate branches supports growth. The bank's retail banking strategy led to a 12% surge in retail, agri, and MSME advances in Q2, boosting net interest income by 23% and fee-based income by 11%. The bank has received RBI approval for a proposed operational subsidiary and is preparing for its launch within six months. The bank is committed to recovery and is preparing for capital-raising activities, aiming to raise up to `4,000 crore this fiscal year.