The Bank provides a wide range of financial services through its global network of branches, offices, subsidiaries and associates: personal financial services, private banking, commercial and corporate banking, investment banking, corporate finance, capital market activities, treasury services, futures broking, asset management, venture capital management, insurance and stockbroking services. In Singapore, The Bank is a market leader in the credit card and private residential home loan businesses. It is also a key player in loans to small and medium enterprises. In 2011 The Bank was named the Best Retail Financial Services Awards Programme. Its asset management arm is one of Singapore's most awarded fund managers with a growing regional presence. The Bank is rated among the world's top banks, with a rating of Aa1 from Moody's and AA- from Standard & Poor's respectively. On 1 January 2009, Bank's Technology and Operations (T&O) comes together as a new...