Hang Seng Bank Limited (the Bank) operates in five customer groups. The Bank operates in personal financial services, commercial banking, corporate banking, treasury and other. Personal financial Services provides banking, including deposits, credit cards, mortgages and other retail lending, and wealth management services, including private banking, investment and insurance to personal customers. Its commercial banking manages middle market and smaller corporate relationships and specializes in trade-related financial services. Its corporate banking handles relationships with corporate and institutional customers. Its treasury engages in balance sheet management and trading. Treasury also manages the funding and liquidity positions of the Bank鈥檚 and other market risk positions arising from banking activities. Other represents management of shareholders鈥?funds and investments in premises, investment properties and equity shares.