Bank of New Zealand provides various financial services to individuals, corporate companies, and agribusiness clients in New Zealand and Singapore. The company offers various accounts, personal loans, home loans, and credit cards, as well as insurance products, such as home insurance, contents insurance, motor vehicle insurance, and pleasure craft insurance. It also provides interest and currency risk management or property finance to private bank customers. Bank of New Zealand offers various business banking services, including term loans, overdrafts, and lines of credit; vehicle, machinery, and equipment finance; and property, debtor, and medical finance. Its business services also comprise various accounts, merchant services, international trade finance, franchising, and client fund services, as well as business insurance. The company provides various agribusiness services, including term loans, seasonal overdrafts, tailored lending, and various accounts. In addition, Bank of New Zealand offers automated teller machines, telephone banking, and Internet banking services, as well as currency exchange services comprising changing of foreign cash and traveler’s checks. The company was incorporated in 1861 and is based in Auckland, New Zealand. Bank of New Zealand is a subsidiary of the National Australia Bank Limited.