Regional Bank
The Regional Bank offers a range of banking products and services to individuals,
including high net worth individuals and institutional clients, and businesses
with up to $500 million in annual revenue. Products and services are delivered
generally through a network of branches, private banking offices, ATMs, broker
mortgage referrals, relationship managers, telephone services, and web-based
and mobile banking applications. These products and services include mortgages,
home equity lines of credit, consumer and commercial loans, deposit accounts,
financial planning and investments. The Regional Bank also provides a broad
spectrum of commercial credit products including commercial loans, accounts
receivable, inventory, and trade financing primarily to corporate customers
based on the U.S. West Coast, and real estate financing to professional real
estate investors and developers nationwide.
U.S. Wholesale Banking
U.S. Wholesale Banking provides commercial lending products, including commercial
loans, lines of credit and project financing, to corporate customers with revenues
greater than $500 million. The segment employs an industry-focused strategy
including dedicated coverage teams in General Industries, Power and Utilities,
Oil and Gas, Telecom and Media, Technology, Healthcare and Nonprofit, Public
Finance, and Financial Institutions (predominantly Insurance and Asset Managers).
By working with the Company's other segments, U.S. Wholesale Banking offers
its customers a range of noncredit services, which include global treasury management,
capital market solutions, and various foreign exchange, interest rate risk and
commodity risk management products.
Transaction Banking
Transaction Banking works alongside the Company's other segments to provide
working capital management and asset servicing solutions, including deposits
and treasury management, trade finance, and institutional trust and custody,
to the Company's customers. The client base consists of financial institutions,
corporations, government agencies, insurance companies, mutual funds, investment
managers and non-profit organizations.
Investment Banking & Markets
Investment Banking & Markets, which includes Global Capital Markets of the
Americas, works with the Company's other segments to provide customers structured
credit services, including project finance, leasing and equipment finance, commercial
finance, funds finance and securitizations. Investment Banking & Markets
also provides capital markets solutions, including syndicated loans, equity
and debt underwriting, tax equity and merchant banking investments; risk management
solutions, including foreign exchange, interest rate and energy risk management
solutions; and facilitates merchant and investment banking-related transactions.