This Division provides services such as Deposits, Home Loans, Credit Cards, and Auto Loans to individuals and small businesses.

This has generated approximately $70 billion in revenue for 2023, accounting for about 44% of the total.

• Extensive branch network: Physical branches are essential for direct customer interaction.
• Digital banking platforms: Offering mobile and online banking enhances convenience.
• Risk management: Effective evaluation and control of credit risk for loans and credit card operations are critical.
• Customer service: Building a high-quality customer support structure is essential.

This Division provides Investment banking, Capital markets, Trading, and Securities services to Corporations, Investors, and Government agencies.

This has generated approximately $48.8 billion in revenue for 2023, contributing about 31% of the total.

• Advanced expertise: Specialized knowledge in areas such as M&A advisory, capital raising, and risk management is required.
• Global network: Presence in international markets and understanding of local regulations are crucial.
• Technology infrastructure: Fast and secure trading platforms and data analysis capabilities are needed.
• Risk management: Ongoing monitoring and control of market, credit, and operational risks are essential.

This Division serves Midsized businesses, Municipalities, and Real Estate Investors by offering Lending, Financial management, and Investment Banking services.

This has generated approximately $15.5 billion in revenue for 2023, accounting for about 10% of the total.

• Local relationship building: Strong ties with local businesses and municipalities are key to success.
• Diverse financial products: A wide range of services such as loans, cash management, and commercial real estate finance is required.
• Risk assessment capabilities: Skills to accurately assess a company’s creditworthiness and project feasibility are vital.
• Regulatory compliance: Strict adherence to regulations and compliance in commercial banking is mandatory.

This Division offers Asset management, Private banking, and Retirement Planning services to individual and Institutional Investors.

This segment generated approximately $19.8 billion in revenue for 2023, accounting for about 13% of the total.

• Investment expertise: Deep understanding and hands-on experience across various asset classes are required.
• Customized services: Ability to propose personalized asset management strategies based on each client’s needs.
• Reliable platform: A robust system is needed to ensure secure asset management and transactions.
• Regulatory compliance: Strict observance of investment advisory laws and regulations is essential.