Australia & New Zealand Banking Group Ltd. provides banking, financial products and services to retail, small business, corporate and institutional clients. It operates its business through the following segments: Australia; Institutional; New Zealand; Wealth Australia; Asia Retail and Pacific; Technology, Services and Operations and Group Centre; and Other. The Australia segment comprises the retail and corporate and commercial business units which provides products and services to consumer and private banking customers in Australia via the branch network, mortgage specialists, the contact centres, a variety of self-service channels and and third party brokers; and banking services including traditional relationship banking and financial solutions through managers focusing on privately owned small, medium, and large enterprises as well as the agricultural businesses. The Institutional segment refers to the transaction banking, loans and specializes finance and markets solutions. The New Zealand segment refers to the retail and commercial business units. The Wealth Australia segment comprises the insurance and funds management business units, which provide insurance, investment, and superannuation solutions. The Asia Retail and Pacific segment offers general banking and wealth management services to retail customers via relationship managers, branches, contact centres and a variety of self-service digital channels such as deposits, credit cards, loans, investments and insurance; and products and services to retail customers, small to medium-sized enterprises, institutional customers, and governments located in the Pacific Islands. The Technology, Services and Operations, and Group Centre segment provides support to the operating divisions including technology, operations, shared services, property, risk management, financial management, strategy, marketing, human resources and corporate affairs; as well as group treasury, shareholder functions, enablement functions and minority investments in Asia. The company was founded in 1970 and is headquartered in Docklands, Australia.