Westpac Banking Corp. provides a broad range of banking and financial services, which includes retail, business and institutional banking and wealth management services. The company operates its business through the following segments: Australian Financial Services, Westpac Institutional Bank and Westpac New Zealand. The Australian Financial Services segment is responsible for the company's Australian retail banking, business banking and wealth operations. It incorporates the operations of: Westpac Retail & Business Banking, which is responsible for sales and service for consumer, small-to-medium enterprise customers and commercial and agribusiness customers in Australia under the Westpac brand; St.George Banking Group, which is responsible for sales and service for consumer, business and corporate customers in Australia under the St.George, BankSA, Bank of Melbourne and RAMS2 brands; BT Financial Group (Australia), which is Westpac's Australian wealth division. Its operations include funds management and insurance solutions. BT Financial Group's brands include Advance Asset Management, Ascalon, Asgard, BT, BT Investment Management 3, Licensee Select, BT Select, Securitor, and the advice, private banking and insurance operations of Bank of Melbourne, BankSA, St.George and Westpac. The Westpac Institutional Bank segment provides a broad range of financial services to commercial, corporate, institutional and government customers with connections to Australia and New Zealand. The Westpac New Zealand segment is responsible for sales and service of banking, wealth and insurance products for consumers, business and institutional customers in New Zealand. Westpac Banking was founded on February 12, 1817 and is headquartered in Sydney, Australia.