Woolworths Holdings Limited is an investment holding company. The Company�s core business focus is the provision of retail and financial services to upper and middle income groups mainly in South Africa but also in Africa, Australia and New Zealand. The Company operates in five segments: Woolworths Clothing and General Merchandise (C&GM), which offers clothing, home ware, beauty and other lifestyle products; Woolworths Food; Country Road (Clothing retailer, which includes the Witchery Group); Woolworths Financial Services (WFS), which offers financial products and services, and Woolworths Treasury, which includes cash management activities. The Company�s Country Road Limited is a retail chain offering clothing and homeware products throughout Australia, New Zealand and South Africa. Woolworths Financial Services, operated jointly with Barclays Africa Group Limited, provides financial products to Woolworths customers. The Company operates around 400 retail stores and franchise stores.