HSBC Holdings is a commercial bank that provides banking and financial products and services in the United Kingdom and internationally. The company operates through retail banking and wealth management, commercial banking, global banking and markets, and global private banking businesses. The bank provides a range of personal and business banking products and services, including current and savings accounts, mortgages and loans, credit and debit cards, local and international payment services, asset management, and financial planning services. Additionally, the bank provides global trade and receivables finance, acquisition or project finance, insurance, and advisory services. The firm was founded in 1865 to finance trade between Asia and the West and is headquartered in London, United Kingdom. HSBC's international network comprises around 3,900 offices in 67 countries and territories in Europe, Asia, the Americas, the Middle East and North Africa.