ICICI Bank is India's second-largest bank. It offers a range of banking products and financial services to corporate and retail customers through several delivery channels and specialised subsidiaries and affiliates. The areas include: investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank set up its international banking group in fiscal 2002 to cater to clients' cross-border needs. It currently has subsidiaries in the UK, Canada and Russia, branches in Singapore and Bahrain, and representative offices in the US, China, UAE, Bangladesh and South Africa. ICICI Bank, which accepts deposits under various savings and fixed schemes, offers a range of loans for various purposes, including housing, cars and 2-wheelers, commercial vehicles, farm equipment, medical equipment, office equipment and construction equipment.