The Group's principal activity is that of a diversified banking corporation. It focuses primarily on consumer and commercial lending and deposit origination. The Group operates in two segments: Local Banking and National Lending. Local Banking includes the branch, treasury services and national deposit gathering activities; its commercial, branch based small business lending and certain branch originated consumer lending and its mortgage servicing activities. The National Lending segment consists of two sub-segments: the U.S. Card sub-segment which consists of domestic consumer credit and debit card activities and the Other National Lending sub-segment which includes the auto finance and international lending sub segments. The Group operates in the United States, the United Kingdom and Canada.
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