Which segment has a revenue contribution of 18% alongside Payment and Settlement?

The segment that has a revenue contribution of 18% alongside Payment and Settlement is Trading and Sales. This segment typically encompasses the activities related to buying and selling financial instruments such as stocks, bonds, commodities, and derivatives. Trading and Sales play a crucial role in financial institutions by generating revenue not only from direct trading profits but also from providing market-making services, executing trades on behalf of clients, and earning fees from selling financial products.

In the context of the financial services industry, Trading and Sales can often complement Payment and Settlement services as they involve the continuous movement of funds, and both segments contribute significantly to a bank's overall profitability. This dual contribution illustrates the interconnected nature of various financial services within a bank, where activities in Trading and Sales support and enhance the efficiency and effectiveness of Payment and Settlement transactions.

The other segments mentioned have distinct focuses that do not align with the specified 18% contribution figure. Commercial Banking primarily involves lending to businesses and individuals, Retail Banking focuses on personal banking services for consumers, and Asset Management is centered around managing investments on behalf of clients. Each of these segments contributes to overall revenue but does not match the specified contribution in the context of this question.