Australia and New Zealand Banking Group Limited provides a range of banking and financial products and services. The Company's segments include Australia, New Zealand, Institutional, Pacific, and Technology, Services and Operations and Group Centre (TSO). The Australia segment and New Zealand segment both consist of the retail and commercial banking business units. The Institutional segment services governments, global institutional, and corporate customers across three product sets Transaction Banking, Corporate Finance and Markets. The TSO and Group Centre segment provides provide support to the operating divisions, including technology, group operations, shared services, property, risk management, financial management, strategy, marketing, human resources, and corporate affairs. The Company's operations span Australia, New Zealand, and several countries in the Asia Pacific region, the United Kingdom, France, Germany, and the United States.