PT Bank CIMB Niaga Tbk engages in the provision of general banking services. It operates through the following segments: Corporate, Business, Retail, Treasury, Shariah, Others, and Subsidiaries. The Corporate segment pertains to loans, deposits, and other transactions and balances with corporate customers. The Business segment offers products and services for small to medium scale enterprises. The Retail segment focuses on products and services for individual customers such as loans, deposits and other transactions and balances with retail customers. The Treasury segment undertakes the firm's treasury activities which include foreign exchange, money market, derivatives, and investing in placements and securities. The Shariah segment refers to all transactions relating to Shariah business unit. The Others segment deals with all back office processes and non-profit generating divisions in the company such as corporate service, sales and distributions. The Subsidiaries segment includes al