The company operates primarily in Australia, New Zealand and the Asia-Pacific region. It also operates in several other countries, including the United Kingdom and the United States. The Group operates in a divisional structure with Australia, International & Institutional Banking, New Zealand and Global Wealth & Private Banking as its main divisions. The Australian division comprises retail and commercial business units. The retail unit includes mortgages, consumer cards and unsecured lending and deposits. The commercial division includes esanda, regional and commercial banking, business banking and small business banking.
The New Zealand division includes retail and commercial business units, as well as support and support services, including a central support function. The Global Wealth & Private Banking division includes fund management, insurance and private banking, which provides investment, pension, insurance products and services to clients across Australia, New Zealand and Asia. The company was founded in 1970 and is headquartered in Dockland, Australia.