Hang Seng Bank (恒生銀行有限公司) is a company that provides banking and financial services. The company operates through three segments: wealth and personal banking, commercial banking, and global banking and markets. The wealth and personal banking segment includes current and savings accounts, mortgages and personal loans, credit cards, insurance, and wealth management. The commercial banking segment offers 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. The global banking and markets segment provides general banking, corporate lending, interest rates, foreign exchange, money markets, structured products and derivatives, etc.