The banking segment makes regular use of the Group’s combined skills and expertise, and all its products and services, in its local and cross-border activities. This core competence of Hypo Group Alpe Adria is offered to corporate and retail customers in each of its national markets, and includes services ranging from traditional lending to savings and deposits, as well as complex investment products and asset management services. Hypo Group Alpe Adria employees are justly renowned for their closeness to customers, their comprehensive knowledge of all its markets, and an international, networked approach to generating customised solutions. This is complemented by the payments and settlements business and documentary credits services so essential to international business, and by structured finance products. A strong service ethos and the greatest possible closeness to the customer are at the core of all our business relationships, so that both private and corporate customers benefit from Hypo Group Alpe Adria’s closely meshed network of branches, products and services.