National Bank of Malawi plc is engaged in the business of commercial banking, pension administration and stockbroking. The Company provides retail, small and medium enterprise, corporate and investment banking as well as stockbroking, insurance and pension administration services in Malawi and Tanzania. The Company operates through three segments: Retail and corporate banking, Treasury and Other. The Retail and corporate banking segment incorporates savings, deposits, investment savings products, consumer loans, current accounts, overdrafts, loan and other credit facilities, trade finance and corporate leasing. The Treasury incorporates financial instruments trading, dealings in foreign currency, stock broking and derivative products. The Other segments comprise fund management, custodial services and providing training services, none of which constitutes a separately reportable segment. The Company has a network of approximately 51 service centers.