Financial services companies, explained.

Adyen runs one in-house payments platform, with its own banking licences, that lets large companies and software platforms accept online and in-store payments in many countries and earns a small fee on the volume it processes.

Allianz is a German insurer and asset manager that sells property-casualty and life/health insurance to around 97 million customers and manages money through PIMCO and Allianz Global Investors.

American Express issues premium charge and credit cards, signs the merchants that accept them and runs its own payments network, earning merchant fees, card fees and interest.

AXA is a French insurer that sells property & casualty, health and life insurance to individuals and companies in four hubs: France, Europe, AXA XL and Asia, Africa & EME-LATAM.

Santander is a global retail and commercial bank serving 180 million customers in ten core markets across Europe and the Americas, with consumer finance, corporate and investment banking, wealth management and payments businesses.

Bank of America is one of the largest U.S. banks: it serves about 69 million consumer and small-business clients, manages wealth for individuals, and lends to and trades with companies and governments worldwide.

Banorte is a Mexican financial group whose bank takes deposits and lends to households, companies and governments across Mexico, alongside insurance, annuities, a pension fund manager and brokerage.

Barclays is a British bank that combines UK retail and business banking, a global investment bank and a large US credit card business, earning most of its income from interest, trading and fees.

BBVA is a Spanish bank with about 81 million active customers that earns most of its income outside Spain, led by Mexico, Turkey and South America, and increasingly sells through digital channels.

Berkshire Hathaway is a holding company that owns insurers such as GEICO, the BNSF railroad, a large energy business and many manufacturers, and invests the cash they produce.

BlackRock invests money for pension funds, institutions and individuals through ETFs, funds and private markets, and also sells its Aladdin portfolio software.

BNP Paribas is a leading European bank with home markets in France, Italy, Belgium and Luxembourg, serving households, companies and institutions in 64 countries and earning from banking, markets, custody, insurance and asset management.

CaixaBank is Spain's largest retail bank and owns Banco BPI in Portugal: it takes deposits from about 21 million customers, lends them out as mortgages and business loans, and sells funds, pensions and insurance through its branches and apps.

Canadian Tire is Canada's largest general-merchandise retail group: Dealer-run Canadian Tire stores, SportChek, Mark's, Party City and Gas+ stations tied together by the Triangle Rewards loyalty programme and its own credit-card bank, plus a majority stake in the CT REIT property trust.

Citigroup is a global bank for companies, governments and wealthy clients: it moves money across borders, trades in markets and holds client assets, with a U.S. credit card business at home.

Deutsche Bank is Germany's largest bank, combining an investment bank, a corporate bank for companies, a retail and wealth bank led by Postbank and the DWS asset manager.

El Corte Inglés is Spain’s department-store group, selling fashion, beauty, food, home and electronics through 72 department stores, hypermarkets, supermarkets and online, alongside a large travel agency and insurance and finance joint ventures.

Goldman Sachs is a global investment bank that advises companies and governments, trades markets for institutional clients, and manages money for institutions and wealthy individuals.

HSBC is an international bank founded in Hong Kong that serves personal, wealth and corporate customers in 56 markets and earns most of its money from lending and fees on trade, payments and wealth.

ING is a Dutch bank that serves about 40 million customers in 38 countries, mostly through mobile-first retail banking in Europe and a wholesale bank for companies and institutions.

Intesa Sanpaolo is Italy's largest bank: it lends to households and businesses through about 2,600 Italian branches and the digital bank Isybank, and earns a growing share of its income from managing €1.46 trillion of customers' savings, insurance and investments.

Itaú Unibanco is Brazil’s largest private bank: it lends to individuals and companies, runs Brazil’s leading credit card business, manages investments and insurance, and operates banks in Chile, Colombia, Paraguay and Uruguay, controlled by the Setubal, Villela and Moreira Salles families.

JPMorgan Chase is the largest U.S. bank: Chase serves consumers and small businesses, J.P. Morgan serves companies, investors and governments, and it manages money for wealthy clients and institutions.

La Poste is France's state-owned postal group: it delivers letters and parcels in France, runs Europe-wide parcel networks through Geopost (DPD, Chronopost, SEUR, BRT), and owns La Banque Postale and CNP Assurances, sold through 17,000 postal points.

Lloyds Banking Group is the UK's largest retail bank: through Lloyds, Halifax, Bank of Scotland and MBNA it holds the current accounts and savings of about 28 million customers, lends them mortgages, cards and car finance, and sells pensions and insurance through Scottish Widows.

Mastercard runs a global payments network that links banks, merchants and cardholders, earning fees on each transaction and on services such as security and data.

Mercado Libre runs Latin America's largest online marketplace and, through Mercado Pago, a payments and credit business, earning fees on sales, shipping and ads plus interest and commissions on money that flows through its app.

Morgan Stanley is a global investment bank and one of the largest wealth managers in the U.S.: it advises and trades for companies and investors, and looks after trillions of dollars for individuals through financial advisors, E*TRADE and workplace stock plans.

Nubank is Latin America’s largest digital bank: from an app with no branches it gives 131 million customers in Brazil, Mexico and Colombia credit cards, loans, accounts and investments, earning mostly interest on cards and loans and on the deposits it holds.

PayPal runs a digital wallet and payments platform that lets people pay and send money and lets merchants accept payments, earning fees on each transaction plus interest and fees on credit and other services.

Prosus owns and runs consumer internet businesses in Latin America, Europe and India, among them iFood, Just Eat Takeaway.com, OLX, eMAG, Despegar and PayU, and holds about 23% of Tencent, whose profits and dividends fund much of the group.

Revolut is a digital bank and money app that earns fees on cards, subscriptions, trading and currency exchange, plus interest on customer balances.

Royal Bank of Canada is Canada's largest bank, serving more than 19 million clients through personal and commercial banking, one of the world's biggest wealth managers, insurance and a global investment bank.

TD Bank Group is a Canadian bank serving more than 28 million clients through TD Canada Trust at home, TD Bank on the US East Coast, wealth and insurance, and the TD Securities and TD Cowen investment bank.

Tencent runs the Weixin/WeChat messaging super-app and earns from games, advertising, payments and cloud services built around it.

Tesco is a leading multinational grocery retailer that sells food, clothing and general goods through about 3,700 Tesco stores and online in the UK, Ireland and Central Europe, supplies caterers and independent shops through Booker, and earns extra income from Clubcard data, advertising, mobile and insurance.

UBS is a Swiss bank that manages money for wealthy clients around the world and also serves households and companies in Switzerland, earning most of its income from fees and trading rather than interest.

UnitedHealth Group sells health insurance through UnitedHealthcare and runs care, pharmacy and data services through Optum.

Visa runs a global payments network that processes card and digital payments between banks, merchants and consumers, earning fees on volume, transactions and cross-border spending, plus services such as risk and advisory.

Wells Fargo is one of the largest U.S. banks: it serves households and small businesses with accounts, cards, mortgages and auto loans, lends to companies, and manages wealth for affluent clients.

Wise, founded in London in 2011 as TransferWise, lets 19 million people and businesses send money abroad at low fees, hold 40 currencies and spend them with a Wise card, and sells its payment network to banks through Wise Platform; it earns transfer fees, card fees and interest on customer balances.