Dah Sing Financial Holdings Ltd. engages in the provision of banking, insurance, and financial related services. It operates through the following segments: Personal Banking, Commercial Banking, Treasury, Overseas Banking, Insurance Business, and Others. The Personal Banking segment offers residential mortgage lending, personal loans, overdraft and credit card, insurance sales, and investment services. The Commercial Banking segment includes the acceptance of deposits from and the advance of loans and working capital finance to commercial, industrial and institutional customers. The Treasury segment provides foreign exchange services and centralized cash management for deposit taking and lending, interest rate risk management, management of investment in securities, and overall funding. The Overseas Banking segment covers the personal and commercial banking business activities through its overseas subsidiaries in Macau and China. The Insurance Business segment comprises of insurance an