Commonly known as ANZ, the Australian and New Zealand Banking Group Limited is the third largest bank in Australia. ANZ doors first opened in Melbourne in the early 1830s, where its head office remains to this day. As its name suggests ANZ operates in both Australia and New Zealand as a retail banking, regional, rural and small business banking and mortgages provider. Investment banking, insurance and consumer finance, including credit cards and personal loans, also comprise part of their product set. In New Zealand, ANZ operates under two separate brands, ANZ and the National Bank of New Zealand. It is the largest bank within New Zealand, dominating the New Zealand market in commercial and retail banking. ANZs personal division encompasses 6 separate divisions, one of which is Australia’s leading finance company, Esanda. Since its inception over 170 years ago the institution has grown to be one of the top 50 banks in the world, and Australia and New Zealand’s largest international banking and financial services groupop.