Commonwealth Bank of Australia provides integrated financial services in Australia, New Zealand, Europe, Asia, North America, and internationally. It offers retail, premium, business, and institutional banking; and funds management, insurance, and share-broking products and services. The company operates through Retail Banking Services, Business Banking, Institutional Banking and Markets, New Zealand, and International Financial Services segments. It offers transaction and savings accounts, term deposits, personal and business loans, credit cards, insurance products, international payment, and private banking services, as well as home, car, and personal loans. The company also provides advisory services for high net worth individuals; equities trading and margin lending services; debt capital, transaction banking, working capital, and risk management services; and merchant, international and foreign exchange, and risk management services. It operates through 940 branches and 2,700 ATMs. The company was founded in 1911 and is based in Sydney, Australia.