The Housing Bank for Trade & Finance is a commercial banking setup based predominantly in Jordan. It also has branches across other Middle East countries, Europe, Asia, Africa and America. The company is organized into four main operating segments; Retail Banking, which accounts for the major share of revenues, corporate banking, corporate finance and Treasury, which provides nearly the same portion of revenues as retail banking. The retail banking segment principally handles individual customers' and small businesses' deposits and providing loans, overdrafts, credit cards and other services. The treasury segment provides trading and treasury services and the management of the Bank's funds in money and capital markets.