BancoEstado Chilean state-run bank BancoEstado serves the banking needs of all major market segments: large corporate, middle market and retail clients and government entities. The bank offers a broad range of personal banking products and services, including consumer, mortgage, student and micro finance lending; insurance; credit and debit cards; bill payment services; and mutual funds. Its line of corporate banking products ranges from lending, treasury services and trade finance to payments. Government products include liability management, treasury services and payments (payroll and pensions). It is also a market leader in savings accounts and micro lending. The bank, through its subsidiaries, provides an array of additional financial services: securities brokerage, insurance brokerage, asset management, microenterprise financial services, factoring financing, leasing, and real estate leasing.