Skye Bank Plc is a retail and commercial bank with over 400 branches and cash centers across Nigeria, offering financial services, with subsidiaries in Sierra Leone, the Gambia and Guinea. The Bank operates through three segments: Retail banking, Commercial banking, and Treasury, Corporate and Investment banking. The Retail banking segment incorporates private banking services, private customer current accounts, deposits, investment savings products, custody, credit and debit cards, consumer loans and mortgages. The Commercial banking segment incorporates direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products. The Treasury, Corporate and Investment banking segment incorporates financial instruments trading, structured financing and corporate leasing. The Bank has a range of service delivery channels, including mobile banking, automated teller machines (ATMs), point of sale (POS) and online platforms.