Hang Seng Bank Limited, together with its subsidiaries, provides various banking and related financial services to individual, corporate, commercial, and small and medium sized enterprises in Hong Kong, the Mainland of China, and internationally. It operates through five segments: Wealth and Personal Banking, Commercial Banking, Global Banking, Global Markets, and Other. The company offers personal and business banking services, current and savings accounts, time deposits, mortgage and personal loans, credit cards, insurance, and investment. It also provides corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, distribution of general and key-person insurance, investment services, and corporate wealth management; and financial solutions to major corporate and institutional client comprising general and transaction banking, corporate lending, deposits, and cash management. In addition, the company offers foreign exchange, bullion, equities, fixed income, and securities financing services; and funding and liquidity position activities; Retirement benefits and life assurance; fund management; trading and dealing in securities; fund raising, fund sales and asset management; transfer and payment services; digital services, including e-mobile, mobile, and phone banking. It operates service outlets in Hong Kong; branches in Macau and Singapore; and representative office in Taipei, as well as a network of outlets in the Mainland of China. The company was founded in 1933 and is based in Central, Hong Kong. Hang Seng Bank Limited operates as a subsidiary of The Hongkong and Shanghai Banking Corporation Limited.