Westpac Banking Corp. provides banking and financial services. The company operates its business through the following divisions: Consumer Bank, Business Bank, BT Financial Group, Westpac Institutional Bank and Westpac New Zealand. The Consumer Bank division covers consumer banking products and services under the Westpac, St. George, BankSA, Bank of Melbourne and RAMS brands. The Business Bank division offers banking and financial products & services, including specialist advice for cash flow finance, trade finance, automotive & equipment finance, property finance, transaction banking and treasury services. This division serves small-to-medium enterprise, commercial and agribusiness customers through the Westpac, St. George, BankSA and Bank of Melbourne brands. The BT Financial Group division manages wealth management services. This division also distributes investment, superannuation and retirement products; investment platforms, including BT Panorama, BT Wrap and Asgard; and private banking and financial advice. It also distributes life, general and lenders mortgage insurance. The Westpac Institutional Bank division delivers financial services, such as transactional banking, and broking and alternative investment solutions. The Westpac New Zealand division offers banking, wealth management and insurance products to small to medium sized business customers in New Zealand through Westpac Life New Zealand and BT New Zealand brands. The company was founded on February 12, 1817 and is headquartered in Sydney, Australia.