Indian Overseas Bank (IOB or the Bank) provides various banking services, including saving bank, current accounts, credit facilities and other services. The Bank operates in four segments: treasury, corporate/wholesale banking, retail banking and other banking operations. The Bank�s services also include personal banking services, non-residential Indian (NRI) accounts, corporate banking services, foreign exchange reserves (FOREX) collections services, agri business consultancy and e-banking services. The Company�s new agriculture loan products include IOB Sagarlakshmi, IOB Bhoomi Shakti, IOB Green Credit, IOB Urban Horticulture, IOB Agri. Transport and Kisan Credit Card Scheme. During the fiscal year ended March 31, 2012 (fiscal 2012), IOB had had 13 establishments abroad, including six full fledged branches, four Representative offices, two Remittance Centres and one Extension counter.