The Group's principal activities are to provide banking and other financial services. The Group operates through four segments: Treasury, Retail Banking, Wholesale Banking and Other Banking Business. The Treasury Services segment consists of net interest earnings on investments portfolio of the bank and gains or losses on investment operations. The Retail Banking segment serves retail customers through a branch network and other delivery channels. This segment raises deposits from customers and makes loans and provides advisory services to customers. The Wholesale Banking segment provides loans and transaction services to corporate and institutional customers. The Other Banking Operations segment provides services relating to credit cards, debit cards, third party product distribution and primary dealership business and other associated costs.
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