Financial institution of America Company, by its subsidiaries, supplies banking and monetary services and products for particular person shoppers, small and middle-market companies, institutional traders, massive companies, and governments worldwide. It operates in 4 segments: Shopper Banking, International Wealth & Funding Administration (GWIM), International Banking, and International Markets. The Shopper Banking phase provides conventional and cash market financial savings accounts, certificates of deposit and IRAs, non-interest and interest-bearing checking accounts, and funding accounts and merchandise; credit score and debit playing cards; residential mortgages, and residential fairness loans; and direct and oblique loans, corresponding to automotive, leisure automobile, and shopper private loans. The GWIM phase supplies funding administration, brokerage, banking, and belief and retirement services and products; wealth administration options; and customised options, together with specialty asset administration providers. The International Banking phase provides lending services and products, together with industrial loans, leases, dedication services, commerce finance, and industrial actual property and asset-based lending; treasury options, corresponding to treasury administration, overseas trade, short-term investing choices, and service provider providers; working capital administration options; debt and fairness underwriting and distribution, and merger-related and different advisory providers; and fixed-income and fairness analysis, and sure market-based providers. The International Markets phase supplies market-making, financing, securities clearing, settlement, and custody providers; securities and spinoff merchandise; and threat administration merchandise utilizing rate of interest, fairness, credit score, forex and commodity derivatives, overseas trade, fixed-income, and mortgage-related merchandise. Financial institution of America Company was based in 1784 and is predicated in Charlotte, North Carolina.