Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services. The company's operating segment includes Corporate Banking, Retail Banking and Central Treasurys. Corporate Banking includes loans, deposits and other transactions and balances with corporate customers including the Agricultural sector. Retail Banking includes loans, deposits, and other transactions and balances with retail customers. Central Treasury segment undertakes the Bank's funding and centralised risk management activities through borrowings, issues of debt securities, use of derivatives for risk management purposes and investing in liquid assets such as short-term placements and corporate and government debt securities.