The Bank of Punjab is engaged in providing commercial banking and related services. The Company's segments are Trading and sales, which includes fixed income, equity, foreign exchanges, commodities, credit, funding, own position securities, lending and repos, and brokerage debt; Retail banking, which includes retail lending and deposits, banking services, private lending and deposits, trust and estates investment advice, merchant / commercial and private labels and retail; Commercial banking, which includes project finance, real estate finance, export finance, trade finance, lending, guarantees, bills of exchange and deposits; Payment and settlement, which includes payments and collections, funds transfer, clearing and settlement, and Agency service, which includes depository receipts, securities lending (customers), issuer and paying agents. The Bank has over 400 branches, including a sub branch and approximately 50 Islamic banking branches in Pakistan and Azad Jammu and Kashmir.