Commonwealth Bank of Australia provides banking and financial services. The company provides banking and financial products and services to retail, small business, corporate and institutional clients. It provides financial services, including retail banking, premium banking, business banking, institutional banking, funds management, superannuation, insurance, investment and share broking products and services. The company operates through the following segments: Retail Banking Services, Business and Private Banking, Institutional Banking and Markets, Wealth Management, New Zealand, Bankwest and IFS & Other. The Retail Banking Services segment includes the origination of home loan, consumer finance and retail deposit products and the sales and servicing of all retail bank customers. The Business and Private Banking segment provides specialized banking services to relationship managed business and agribusiness customers, private banking to high net worth individuals and margin lending and trading through CommSec. The Institutional Banking and Markets segment services the company's major corporate, institutional and government clients, creating customized solutions based on specific needs, industry trends and market conditions. The Wealth Management segment includes the Global Asset Management Platform Administration and Life and General Insurance businesses of the Australian operations. The New Zealand segment includes the banking, funds management and insurance businesses operating in New Zealand excluding the international business of Institutional Banking and Markets. The Bankwest segment is a full service bank active in all domestic market segments, with lending diversified between the business, rural, housing and personal markets, including a full range of deposit products. The IFS & Other Divisions segment includes international financial services Asia incorporates the Asian retail and SME banking operations, investments in Chinese and Vietnamese retail banks, the joint venture Chinese life insurance business and the life insurance operations in Indonesia. Commonwealth Bank of Australia was founded in 1911 and is headquartered in Sydney, Australia.