Industrial and Commercial Bank of China (ICBC, 中国工商银行) is a state-owned commercial bank. Its operating segments include Corporate Banking, Personal Banking, Treasury Operations, and Other. The Corporate Banking segment covers the provision of financial products and services to corporations, government agencies, and financial institutions. The products and services include corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody activities, corporate intermediary services, etc. The Personal Banking division offers the provision of personal loans, deposit-taking activities, card business, personal wealth management services, and personal intermediary services to individual customers. The treasury operations segment covers the Group’s treasury operations, which include money market transactions, investment securities, foreign exchange transactions, and the holding of derivative positions, etc. The Other segment covers the Group’s assets, liabilities, income, and expenses that are not directly attributable or cannot be allocated to a segment on a reasonable basis.