Dah Sing Banking Group Limited is an investment holding company principally engaged in the provision of banking, financial and other related services in Hong Kong, Macau and the People’s Republic of China. The Company operates its business through five segments. The Personal Banking Business segment is engaged in deposits from individual customers, the extension of residential mortgage lending and personal loans. The Commercial Banking Business segment is engaged in the acceptance of deposits from and the advance of loans and working capital finance and trade financing. The Treasury Activities segment is engaged in the provision of foreign exchange services and centralized cash management for deposit taking and lending, interest rate risk management. The Overseas Banking Businesses segment is engaged in the provision of personal banking and commercial banking business activities. The Others segment is engaged in other corporate investments and debt funding.