The Group's principal activity is to provide global financial services. It operates in six divisions. Investment Banking provides advisory and risk management services. Retail Financial Services provides Home Finance, Consumer and Small Business Banking and Insurance. Card Services provides general purpose credit cards in the United States. Commercial Banking provides infrastructure for corporations, municipalities, financial institutions and not-for-profit entities. Treasury and Securities Services provide cash management service. Asset and Wealth Management provides investment management to retail and institutional investors, financial intermediaries, high-net-worth families and individuals globally. The Group serves to the corporate, institutional and government clients. As at 31-Dec-2008, it operated through 5,400 branches and 14,500 ATMs in 17 states.
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