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Bank of New Zealand provides various banking and financial products and services to retail, business, agribusiness, corporate, and institutional clients in New Zealand. It operates through Partnership Banking and Corporate and Institutional Banking segments. It offers personal banking products and services, which include savings accounts; home and personal loans; credit cards; term deposits, managed funds, term portfolio investment entity (PIE) products, and cash PIE products; international services, such as foreign exchange, travel money, payments, foreign currency accounts, and foreign currency term deposits services; and insurance products, including home, contents, vehicle, boat, life, and travel insurance products. The company's business banking products and services comprise transaction accounts; foreign currency term deposits; agribusiness accounts; term loans and overdrafts for small, medium, and large businesses; invoice and trade finance; cash advance and credit facilities; credit cards; and payment services. Its business banking products and services also consist of business asset, life, vehicle, liability, business interruption, and commercial insurance products. In addition, it offers institutional banking services, such as corporate finance and advisory, transactional banking, syndications and agency, capital markets, financial markets, and research products and services; and other private banking and online and Internet banking services. The company was incoporated in 1861 and is based in Auckland, New Zealand. Bank of New Zealand operates as a subsidiary of National Australia Group (NZ) Limited.