Owner and operator of consumer and small business banks with operations in United States market. The company operates in four segments: Retail Banking Group, Card Services Group, Commercial Group and Home Loans Group. The Retail Banking Group segment offers deposit and other retail banking products and services, which include checking, savings, money market deposit, loans and investment advisory and brokerage services. The Card Services Group segment's operations consist of issuing credit cards, holding outstanding balances on credit cards in portfolio or securitizing and selling them, servicing credit card accounts, and providing other cardholder services. The Commercial Group segment provides finance to developers and investors for multi-family dwellings and other commercial properties, services multi-family and other commercial real estate loans, and provides limited deposit services to commercial customers. The Home Loans Group segment originates, fulfills and services home loans, home equity loans and lines of credit; manages capital market operations; and holds the company's investment portfolios of home loans, home equity loans, and home equity lines of credit made to higher risk borrowers through the subprime mortgage channel. This segment also offers real estate secured residential loan products and services, as well as markets annuities and other insurance products.