Westpac Banking Corporation provides banking and financial services worldwide. The company operates through five segments: Consumer Bank, Commercial and Business Bank, BT Financial Group, Westpac Institutional Bank, and Westpac New Zealand. It offers personal banking services, such as term and retirement deposits; savings and bank accounts; home, investment property, equity access, investment and protected equity, personal, and car loans; overdraft facilities; and home, contents, landlords, motor, travel, boat, caravan and trailer, life, credit card and loan payment, and income protection insurance products. The company also provides financial, investment, retirement planning, share market portfolios, super funds, and share trading services; emergency cash, online, telephone banking, ATMs, travel center, private banking, financial education, financial advice assistance, and foreign exchange historical rates services; and superannuation funds. In addition, it offers business banking services, including farm management deposits; small, commercial, and agribusiness loans, as well as equipment finance; merchant services; business and farm insurance; and cash flow management, export and import services, and trade finance products. Further, the company provides corporate banking services, such as debt capital products, loans, bonds, structured and asset finance, fixed interest/debt securities, and interest rate derivatives; transaction banking solutions; commercial cards; commodities, carbon, and energy products; and fund management, corporate superannuation, and managed investment solutions. It serves consumers, small-to-medium enterprises, corporates, and commercial and agribusiness customers, as well as institutional, government, and retail customers. The company was formerly known as Bank of New South Wales and changed its name to Westpac Banking Corporation in October 1982. Westpac Banking Corporation was founded in 1817 and is headquartered in Sydney, Australia.