Commonwealth Bank of Australia provides banking and financial services. It offers banking and financial products and services to retail, small business, corporate and institutional clients. It operates through the following segments: Retail Banking Services; Business and Private Banking; Institutional Banking and Markets; Wealth Management; New Zealand; Bankwest; and International Financial Services and Other. The Retail Banking Services segment provides home loan, consumer finance, and retail deposit products and servicing to all retail bank customers and non-relationship managed small business customers. The Business and Private Banking segment offers 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 serves the firm's major corporate, institutional, and government clients using a relationship management model based on industry expertise and insights. The Wealth Management segment includes the global asset management, platform administration, and financial advice and life and general insurance businesses of the Australian operations. The New Zealand segment comprises of banking, funds management and insurance businesses operating in New Zealand. The Bankwest segment is composed of lending diversified between the business, rural, housing, and personal markets, including a full range of deposit products. The International Financial Services and Other segment incorporates the Asian retail and business banking operations; associate investments in Chinese and Vietnamese; the life insurance operations in Indonesia; and a financial services technology business in South Africa. This segment also includes corporate center which includes support functions such as investor relations, group marketing and strategy, group governance, and group treasury. The company was founded in 1911 and is headquartered in Sydney, Australia.