ANZ Bank New Zealand Limited provides banking products and services to personal, business, and institutional customers in New Zealand. It operates through three segments: Retail, Commercial, and Institutional. The Retail segment offers a range of banking and wealth management services to consumer, and private and small business banking customers. This segment delivers its services through its internet and app-based digital solutions and network of branches, mortgage specialists, relationship managers, and contact centers. The Commercial segment provides various banking services, including traditional relationship banking and sophisticated financial solutions through managers focusing on privately owned medium to large enterprises, the agricultural business segment, and government and government related entities. The Institutional segment offers transaction banking services, such as working capital and liquidity solutions comprising documentary trade, supply chain financing, and cash management solutions, as well as deposits, payments, and clearing services; corporate finance services consisting of loan products, loan syndication, specialized loan structuring and execution, project and export finance, debt structuring and acquisition finance, and corporate advisory; and markets, which provide risk management services on foreign exchange, interest rates, credit, commodities, and debt capital markets. The company was formerly known as ANZ National Bank Limited and changed its name to ANZ Bank New Zealand Limited in October 2012. ANZ Bank New Zealand Limited was incorporated in 1979 and is based in Auckland, New Zealand. ANZ Bank New Zealand Limited is a subsidiary of ANZ Holdings (New Zealand) Limited.