Westpac Banking Corporation (Westpac) is an Australia-based banking organization. The Company provides a range of banking and financial services including consumer, business and institutional banking, and wealth management services. The Company operates across Australia, New Zealand and the Pacific region. It operates through three divisions: Australian Financial Services (AFS), Westpac Institutional Bank (WIB) and Westpac New Zealand. The Company�s Other division includes the operation of Westpac Pacific. AFS is responsible for the Westpac�s Australian retail banking, business banking and wealth operations. WIB delivers a range of financial services to commercial, corporate, institutional and government customers. Westpac New Zealand is responsible for the marketing and service of banking, wealth and insurance products. Westpac Pacific provides banking services for retail and business customers in seven Pacific Island nations.