Commonwealth Bank of Australia provides various banking and financial products and services to retail, small business, corporate, and institutional clients in Australia, New Zealand, the Asia Pacific, the United Kingdom, and the United States. It offers a range of personal banking products and services, including transaction accounts, savings accounts, and term deposits; credit cards; personal and home loans; financial planning services; superannuation products; products for youth and students; home, car, life, loan and credit card protection, income protection, and insurance products; and international and online banking services. The company also provides business banking products, such as business accounts and credit cards; merchant services; business loans, overdrafts, business line of credit, commonwealth portfolio and margin loans, and bank guarantees; equipment, car, technology, and medical equipment finance; risk management products; life, income protection, business overhead, and vehicle insurance products; investment products; and employer and employee superannuation products, as well as self managed super funds. In addition, it offers corporate banking services, which include debt and equity capital raising; working capital finance; and commodities risk management services, as well as offshore banking and investor services. Further, the company provides products and services to assists corporate and institutional clients manage cash flow and liquidity, fund expansion and growth, and manage risk in the foreign exchange, interest rate, commodities, derivatives, and securities markets. Additionally, it offers share broking and wealth management products and services. The company operates approximately 1,100 branches, 3,700 Australia post agencies, and 4,200 ATMs, and 249,000 EFTPOS terminals. Commonwealth Bank of Australia was founded in 1912 and is headquartered in Sydney, Australia.