As a diversified company, Swiss Post operates in the communication, logistics, retail financial and passenger transport markets. Within the communication market, its services include delivery of letters and newspapers, direct marketing, and information and document solutions. In logistics, it operates in Switzerland and internationally as a parcels, courier and express service provider, and provides tailored and comprehensive logistics solutions. In retail finance its subsidiary PostFinance Ltd offers extensive services for payment transactions, savings, investments, retirement planning and financing solutions, and has had a banking licence since 2013. In the public passenger transport market its subsidiary PostBus Ltd operates regional, municipal and urban bus services. Swiss Post operates in approximately 25 countries. The company employs more than 54,000 members of staff worldwide and generated turnover of over CHF 7 billion in 2020. In 2020, the Universal Postal Union named it the "best postal operator in the world" for the fifth time in a row.