NBS Bank Limited is engaged in commercial banking, covering corporate and retail banking, and treasury management. The Company operates through Northern Region, Central Region and Southern Region segments. The Northern Region segment includes loans, deposits, and other transactions and balances with corporate customers in the northern region. The Central Region segment includes loans, deposits, and other transactions and balances with retail customers in the central region. The Southern Region segment includes loans, deposits, and other transactions and balances with retail customers in the southern region. It also includes the Company's funding and centralized risk management activities through borrowings, issues of debt securities, use of derivatives for risk management purposes and investing in liquid assets, such as short-term placement and corporate government debt securities. It offers retail and corporate banking services through approximately 40 service centers across Malawi.