Banco Espirito Santo SA (BES) is a Portugal-based bank. The Company organizes its business into six operational segments: Domestic Commercial Banking, which includes the Retail, Corporate, Institutional and Private Banking sub segments, International Commercial Banking, Investment Banking, Asset Management, Markets and Strategic Investments and Corporate Centre. Together with its subsidiaries, Banco Espirito Santo SA provides a range of financial products and services, including deposits, credit and debit cards, savings accounts, asset management, loans, investment banking and brokerage, custodian services, investment funds management, as well as life and non-life insurance products. The Company, through its subsidiaries, operates in Portugal, Spain, Brazil, Angola, Cape Verde, United Kingdom, France, the United States, Macao and Poland, among others. The Company operates through a numerous subsidiaries, including BES Finance, BES Oriente, BESI and BES Beteiligungs GmbH, among others.