St.George Bank Limited provides various banking products and services in Australia. It operates in four segments: Retail Bank, Institutional and Business Banking, BankSA, and Wealth Management. The Retail Bank segment offers residential and consumer lending services; personal financial services, including transaction services; call and term deposit products; small business banking services; and financial planner services. This segment also manages retail branches, call centres, agency networks, and electronic channels, such as EFTPOS terminals, ATMs, and Internet banking. The Institutional and Business Banking segment engages in liquidity management; securitization; wholesale funding; capital market activities; treasury market activities, such as foreign exchange, money market, and derivatives; corporate and business relationship banking; provision of international and trade finance banking services; leasing; hire purchasing; automotive financing; commercial property lending; and cash flow financing, including factoring and invoice discounting. The BankSA segment provides retail banking and business banking services to customers in South Australia and Northern Territory. The Wealth Management segment engages in the investment management and packaging, and margin lending, as well as provision of superannuation and wealth management administration platforms, dealer group services, private banking services, and general and life insurance products and services. As of September 30, 2007, the bank operated 399 branches. St.George Bank was founded in 1848 and is headquartered in Kogarah, Australia.