Royal Bank of Canada provides personal and commercial banking, wealth management services, insurance, corporate and investment banking, and transaction processing services under the RBC name worldwide. The company’s Canadian Banking segment offers personal financial services, business financial services, and cards and payment solutions. Its Wealth Management segment provides wealth and asset management, and estate and trust services to affluent and high net worth clients through distributors, as well as directly to institutional and individual clients. The company’s Insurance segment provides various life and health insurance, including universal life, critical illness, disability, long-term care insurance, and group benefits; and property and casualty insurance comprising home, auto, and travel insurance, as well as wealth accumulation solutions; and reinsurance products through retail insurance branches, call centers, career sales force, independent insurance advisors, and travel agencies. Its International Banking segment offers various financial products and services to individuals, business clients, and public institutions in the Caribbean. This segment also provides global custody, fund and pension administration, shareholder services, distribution support, securities lending and borrowing, reconciliation services, compliance monitoring and reporting, investment analytics, and treasury services to institutional investors. The company’s Capital Markets segment engages in the fixed income; foreign exchange; equity sales and trading; and treasury and funding, and commodities businesses, as well as involved in debt and equity origination, advisory services, loan syndication, corporate lending, client securitization, global credit, research, and private equity businesses. This segment serves public and private companies, institutional investors, governments, and central banks. The company was founded in 1864 and is headquartered in Toronto, Canada.