Aareal Bank engages internationally in a variety of aareal estate and property-related banking and financial services for the public and private sectors. The German bank organizes its business into two primary segments. Structured property financing (its most profitable business) specializes in financing large-scale retail, hotel, and logistics industry properties. The consulting/services segment serves the housing, property, energy, and waste disposal industries with specialized banking products, such as electronic banking, mass payment automation, and downstream processes. Its Aaeron subsidiary provides IT consulting in several European countries. Aareal Bank operates in more than 20 countries in Europe, North America, and the Asia/Pacific region.