ICICI Bank Limited is private sector commercial bank with three key activities: corporate banking, retail banking and treasury operations. In corporate banking, the Company provides a wide variety of fee-based corporate products and services, like documentary credits, cash management services, cross-border trade services, standby letters of credit and treasury-based derivative products that help the Company increase its non-interest income. ICICI Bank's retail products and services include payroll accounts and other retail products, online bill payment and remittance facilities, credit cards, debit cards, smart cards, depository share accounts, retail loans against time deposits and loans against shares for subscriptions to initial public offerings. The Company's treasury engages in domestic and foreign exchange operations. ICICI Bank's largest activity in terms of gross loans is its corporate banking operations.