Westpac Banking was founded in 1817 as the Bank of New South Wales. In 1982 the bank changed its name to Westpac Banking following its merger with the Commercial Bank of Australia. The bank provides a range of banking and financial services such as retail, wholesale, business and institutional banking, risk management and wealth management services including insurance, credit cards merchant services, superannuation along with FX & international. Australian Financial Services (AFS) is responsible for the Westpac Group's Australian retail banking, business banking and wealth operations. AFS also includes the product and risk responsibilities for Australian Banking. It incorporates the operations of Westpac Retail and Business Banking, St. George Banking Group and BT Financial Group Australia. St. George Bank is responsible for sales, marketing and customer service for its consumer, business and corporate customers in Australia under the St. George brand. BT Financial Group Australia is Westpac's wealth management business and Westpac Institutional Bank delivers a range of financial services to commercial, corporate, institutional and government customers. Apart from this, Westpac New Zealand provides a full range of retail and commercial banking and wealth management products and services to consumer and business customers throughout New Zealand. Other business divisions in the group comprise pacific banking, group treasury, product and operations, technology and core support. The bank also offers products and services such as specialist advice for cash flow finance, trade finance, automotive and equipment finance, property finance, transaction banking and treasury services.