Bank Muscat SAOG is an Oman-based joint stock company engaged in commercial and investment banking activities through a network of 136 branches within the Sultanate of Oman, an overseas branch in Riyadh, Kingdom of Saudi Arabia, one in Kuwait, and a representative office in Dubai, the United Arab Emirates, and in Singapore. The Bank operates through four segments: the Consumer banking segment, which offers accounts and deposits, loans and mortgages, insurance, card services, money transfer and remittances, payment facilities and priority banking; the Corporate banking segment offers financing solutions, project and structured finance, and corporate services; the Wholesale banking segment covers asset management, financial institutions group (FIG), investment banking, private banking, and treasury and capital markets, and Al-Wathbah segment, which provides products and services for small-and-medium-sized enterprises (SME), including program lending, SME finance and SME services.