PT Bank Mandiri (Persero) Tbk engages in providing general banking services. It operates through the following business segments: Corporate; Commercial; Retail; Treasury & Markets; Head Office; Subsidiaries-Insurance; and Other Subsidiary. The Corporate segment includes loans, deposits, and other transactions by corporate customers. The Commercial segment consists of loans, deposits, and other transactions by medium scale commercial and business banking customers. The Retail segment comprises of loans granted to business entities or individuals with micro-scale to small; and products or other services such as deposits, payment transactions, and other transactions belonging to micro and small customers. The Treasury & Markets segment offers treasury activities of the bank including foreign exchange, money market, and fixed income; and international banking, capital markets, and supervision of the foreign office. The Head Office segment manages the assets and liabilities of the group oth