Australia and New Zealand Banking Group Limited provides a range of banking and financial products and services. The Australia Retail and Commercial segment comprises retail, and commercial and private bank business units. The Institutional segment services governments, global institutional and corporate customers across Australia, New Zealand and International via the three product sets, including Transaction Banking, Corporate Finance and Markets. The New Zealand segment comprises personal and business services. The Pacific segment provides products and services to retail customers, small to medium-sized enterprises, institutional customers and governments located in the Pacific Islands, which include retail products provided to consumers. The Group Centre segment provides support to the operating divisions, including technology, group operations, shared services, property, risk management, financial management, strategy, marketing, human resources, and corporate affairs.