Bank of Communications Co., Ltd. (BoCom) operates as a full-service commercial bank, delivering a comprehensive suite of financial products and services. Its business operations are strategically divided into four primary segments: Corporate Banking, Personal Banking, Treasury Businesses, and Other Businesses. For individual customers, BoCom provides a variety of deposit accounts, including savings, personal certificates of deposit, and foreign currency options, alongside specific salary financing arrangements. Lending solutions encompass both mortgage and unsecured personal loans, while a range of bank cards, wealth management advisory services (including airport-specific assistance), and investment products like physical precious metals, structured deposits, and commodity trading are also available. The corporate banking division caters to businesses with offerings such as structured deposits, corporate certificates of deposit, and diverse financing avenues like syndicated loans, corporate overdraft facilities, corporate cash management, and industrial chain financing. Furthermore, it delivers wealth management, investment banking, and offshore banking services, complemented by precious metal leasing and commodity trading. In the realm of international banking, BoCom facilitates corporate foreign exchange wealth management, handles document settlements, offers remittance and bill services, and provides a wide array of trade finance solutions. The bank also actively participates in interbank financing. Beyond traditional banking, the company extends its financial expertise to areas such as financial leasing, trust investments, fund management, life and general insurance, securities trading and brokerage, debt-to-equity swaps, and financial product issuance and advisory services. As of December 31, 2021, Bank of Communications maintained a substantial operational footprint, with 248 branches situated across Mainland China. Its international presence included 69 operating outlets, comprising 23 branches and representative offices, spread across 18 countries and regions globally. The institution was established in 1908 and is headquartered in Shanghai, People's Republic of China.