Commonwealth Bank of Australia is a provider of banking and financial products and services. The Company’s operating segments include: Retail Banking Services provides home loan, consumer financing and retail deposits. Business and Private Banking provides specialized banking services, private banking services, and margin lending and trading through CommSec. Institutional Banking and Markets services provide capital solutions including debt and equity capital raising, financial and commodities price risk management and transactional banking capabilities. Wealth Management includes the global asset management platform administration and life and general insurance businesses of the Australian operations. New Zealand includes the banking, funds management and insurance businesses operating in New Zealand. Bankwest is active in domestic market segments, with lending diversified between the business, rural, housing and personal markets, including deposit products. IFS and Other Divisions.