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Bank of China Ltd. engages in the provision of banking and financial services. It operates through the following business areas: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance and Others. The Corporate Banking area offers services to corporate customers, government authorities and financial institutions such as current accounts, deposits, overdrafts, loans, custody, trade-related products and other credit facilities, foreign currency and derivative products. The Personal Banking area provides services to retail customers such as current accounts, savings, deposits, investment savings products, credit and debit cards, consumer loans and mortgages. The Treasury Operations area deals in foreign exchange transactions, customer-based interest rate and foreign exchange derivative transactions, money market transactions, proprietary trading and asset and liability management. The Investment Banking area includes debt and equity underwriting and financial advisory, the sale and trading of securities, stock brokerage, investment research and asset management services and private equity investment services. The Insurance area specialises in the underwriting of general and life insurance business and insurance agency services. The Others area includes investment holdings and miscellaneous activities. The company was founded in February 1912 and is headquartered in Beijing, China.