Andhra Bank is an India-based bank. The Bank�s operating segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank�s deposits include current deposits, savings bank deposits and term deposits. Its loan portfolio includes food credit, non-food credit, agriculture loans, micro and small enterprise, micro credit, educational loans and housing loans. It invests in government securities, other approved securities, shares, debentures and bonds and subsidiaries and / or Joint Ventures 135.36. It deals in foreign exchange. It also offers core banking solutions, Internet banking, mobile banking and tele banking. As of March 31, 2012, the Bank had 1056 automated teller machine (ATMs), 15 Extension Counters and 38 Satellite offices. As of March 31, 2012, it had 54 specialized branches.