HSBC Holdings plc provides banking and financial products and services. The company operates through Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking segments. The Retail Banking and Wealth Management segment offers personal banking products, such as current and savings accounts, mortgages and personal loans, credit cards, debit cards, and domestic and international payment services, as well as wealth management services, including insurance and investment products, global asset management services, and financial planning services. The Commercial Banking segment provides credit and lending, international trade and receivables finance, treasury management and liquidity solutions, commercial insurance, and investments to small and medium sized enterprises, mid-market enterprises, and corporates. This segment also offers foreign exchange products, raising capital on debt and equity markets, and advisory services. The Global Banking and Markets segment is involved in the provision of financing; advisory and transaction services, a markets business that provides services in credit, rates, foreign exchange, equities, money markets, and securities services; and investment activities. The Global Private Banking segment provides a range of services to high net worth individuals and families. The company has operations in 64 countries and territories located in Europe, Asia, North America, Latin America, the Middle East, and North Africa. HSBC Holdings plc was founded in 1865 and is headquartered in London, the United Kingdom.