China Merchants Bank Co., Ltd., along with its various subsidiaries, offers a broad spectrum of banking products and financial services. The company structures its operations across three main divisions: Wholesale Finance, Retail Finance, and Other Business activities. It provides a wide array of deposit accounts, including checking, demand, time, call, savings, notice, and those denominated in Renminbi. Its extensive loan offerings cater to both individuals and businesses, featuring personal financing for commercial real estate, consumption, housing, and vehicles, as well as student loans for overseas study and micro-business loans. Corporate clients can access equipment mortgages, various guarantee-backed loans, housing mortgages, bank acceptances, discounting services, and financing for working capital, fixed assets, and vessel acquisition. Beyond lending and deposits, China Merchants Bank issues credit cards, distributes insurance products, and manages open-ended investment funds. It also handles the discounting, guaranteeing, and redemption of commercial bills. The institution extends corporate finance expertise, offering financial consultation, debt financing underwriting, merger and acquisition financing, and services related to equity financing and enterprise listing. Furthermore, the bank engages in forfeiting and risk participation, provides escrow services, facilitates cross-border Renminbi clearing, and supports interbank transactions. It delivers comprehensive risk and financial management solutions, cross-border Renminbi and international financing, global factoring and settlement services, and trade finance. Additional services encompass financial leasing and guarantee, investment and wealth management, foreign exchange options and gold trading, rapid forex transactions, international, offshore, and private banking, custody services, pension management, and a suite of electronic banking solutions. As of December 31, 2021, the bank boasted a significant physical presence across Mainland China, including 143 branches, 1,770 sub-branches, a branch-level operation center, 2,812 self-service centers, 6,592 self-service machines, a representative office, and 14,746 visual counters. Globally, China Merchants Bank maintains operations in key financial hubs such as Hong Kong, New York, London, Singapore, Luxembourg, Sydney, and Taipei. Founded in 1987, China Merchants Bank Co., Ltd. is headquartered in Shenzhen, China.