ICICI Bank Limited, together with its subsidiaries, offers various financial products and services in the areas of commercial banking, investment banking, and insurance to retail and corporate customers primarily in India. The company offers various deposit products, which include time deposits, savings accounts, current accounts, and certificates of deposits. Its loan portfolio includes home loans, automobile loans, commercial business loans, two wheeler loans, personal loans, and credit cards receivables, as well as project and corporate finance. ICICI Bank also offers credit cards, depositary share accounts, distribution of third-party investment and insurance products, fee-based products and services, unsecured redeemable bonds, documentary credits, and standby letters of credit, as well as cash management services, including collection, payment, and remittance services; escrow; trust and retention account facilities; online payment facilities; custodial; and tax collection services. In addition, it offers foreign exchange and derivatives products, investment banking products and services, equity underwriting and brokerage services, venture capital and private equity services, and life and general insurance products and services. Further, the company provides individuals and households various agricultural and rural banking products, including rural credit products loans to farmers, post-harvest financing, loans for purchase of tractors, working capital for trading and small enterprises, loans against jewelry, and micro-finance loans for various purposes. As of March 31, 2007, ICICI Bank had a network of 710 branches and operated 3,271 automated teller machines. It also operates in the United Kingdom, Canada, Russia, Singapore, Dubai, Sri Lanka, Hong Kong, Qatar, Bahrain, the United States, China, the United Arab Emirates, Bangladesh, South Africa, Thailand, Indonesia, and Malaysia. The company was founded in 1955 and is headquartered in Mumbai, India.