Hang Seng Bank Limited (the Bank) is engaged in retail banking and wealth management, commercial banking, global banking and markets, and private banking. The Bank also offers a range of renminbi services. The Bank's segments include Retail Banking and Wealth Management (RBWM), Commercial Banking (CMB), Global Banking and Markets, and Other. Its RBWM segment offers a range of products and services to meet the personal banking, consumer lending and wealth management needs of individual customers. Its CMB segment offers a suite of products and services to corporate, commercial, and small and medium-sized enterprises (SME) customers, including corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment services and corporate wealth management. Its Global Banking and Markets segment provides financial solutions to corporate and institutional clients.