HSBC Holdings plc (HSBC) is a banking and financial services company. Its segments include Wealth and Personal Banking (WPB), Commercial Banking (CMB) and Global Banking and Markets (GBM). WPB provides products and services that include current accounts, credit cards, personal loans and mortgages, as well as savings, investments, insurance and wealth management. CMB provides businesses with banking services, including trade and receivables finance, global payments solutions, multi-currency accounts, commercial cards, overdrafts, working capital finance, insurance, term loans and syndicated, leveraged, acquisition and project finance. GBM offer a range of banking services to support its clients’ needs, including banking and financing solutions, global transaction banking services, fund administration, global custody and direct custody and clearing, and corporate trust and loan agency. Its businesses serve customers worldwide through a network that covers 60 countries and territories.