Westpac Banking Corporation is a banking organization. The Company provides banking and financial services in markets, including consumer, business and institutional banking and wealth management services. It has three segments: Australian Financial Services (AFS), Westpac Institutional Bank (WIB) and Westpac New Zealand. It provides banking products under the Westpac and WIB brands, and insurance and wealth products under Westpac Life and BT brands. Its other divisions include Westpac Pacific, Group Services, Treasury and Core Support. The AFS segment includes its Australian retail banking, business banking and wealth operations. The WIB segment delivers financial services to commercial, corporate, institutional and government customers. The Westpac New Zealand segment includes sales and service of banking, wealth and insurance products for consumers, business and institutional customers in New Zealand. It offers its services in Fiji, Papua New Guinea, Vanuatu and Solomon Islands.