Woori Finance Holdings Co., Ltd., through its subsidiaries, provides various banking, and financial products and services in Korea. The company offer various deposit products, such as demand, time, repurchase instruments, certificates of deposit, installment, and saving deposit. Its loan portfolio includes general purpose household, mortgage, home equity, automobiles, heavy machinery and medical equipment, working capital, facilities, and housing loans. In addition the company offers various capital market services, including securities investment and trading, derivatives trading, asset securitization services, investment banking, securities brokerage, asset management, and trust and investment management services, as well as investment advice and financial planning services to retail customers. Further, it provides merchant banking, international banking, foreign exchange, commercial paper discounting, factoring, trade finance, bancassurance, private equity, consumer finance, and cash management services; and various individual and group life insurance products, including health, whole life, savings-type, and pension insurance. Additionally, Woori Finance Holdings Co., Ltd. provides credit cards; Internet and mobile banking services; and inter-account fund transfer services. The company serves individuals, small-and medium-sized enterprises, and large corporations. As of December 31, 2010, it operated 1,195 branches, and 8,644 ATMs and cash dispensers. The company was founded in 2001 and is headquartered in Seoul, South Korea.