Hang Seng Bank Limited is a company mainly engaged in the banking business. Along with subsidiaries, the Company operates its business through four segments: the Retail Banking and Wealth Management segment, the Commercial Banking segment, the Global Banking and Markets segment, and the Other segment. The Retail Banking and Wealth Management segment is involved in the provision products and services to meet the personal banking, consumer lending and wealth management needs of individual customers. Personal banking products typically include current and savings accounts, mortgages and personal loans, credit cards, insurance and wealth management. The Commercial Banking offers products and services to corporate, commercial and small and medium enterprises (SME) customers, including corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, keyperson insurance, investment services and corporate wealth management.