Westpac Banking Corporation (Westpac), is a banking organization. Westpac provides a range of banking and financial services, including retail, business and institutional banking, and wealth management services. It operates through three divisions: Australian Financial Services (AFS), Westpac Institutional Bank (WIB) and Westpac New Zealand. AFS encompasses Westpac�s retail and business banking operations in Australia, and includes the businesses of Westpac Retail & Business Banking, St.George Banking Group and BT Financial Group Australia (BFTG). St.George is responsible for sales, and service for its consumer, business and corporate customers in Australia under the St.George, BankSA, Bank of Melbourne and RAMS brands. BTFG is Westpac�s Australian wealth management division. In April 2014, Affinity Education Group Ltd announced that Westpac Banking Corp and its associated companies ceased to be a substantial share holder of the Company.