Bank Nizwa SAOG provides commercial banking products and services to individuals, government sector, government owned entities, corporate and commercial clients, and small-and-medium-enterprises. It operates in three segments: Retail Banking, Corporate Banking, and Treasury and Investment Banking. The company offers personal banking products and services, including current, savings, deposit, and Mudaraba investment accounts, as well as ladies and youth banking accounts, and recurring deposits; personal, auto, home, and commercial finance for individuals; debit and credit cards; and wealth management services, as well as Islamic insurance products. It also provides business banking products and services that cover corporate banking, project finance and syndication, SME and commercial banking, corporate call account, corporate internet banking, and trade finance; and investment and international banking products and services. In addition, the company offers SME banking services, such as Sharia-compliant products; current, checking, call, and term investment accounts; and financing facilities and services that cover working capital, long term financing for Capex, trade finance, and foreign exchange services. Bank Nizwa SAOG was incorporated in 2012 and is based in Muscat, the Sultanate of Oman.