Westpac Banking Corporation (Westpac) is a banking organization. Westpac provides a range of banking and financial services, including retail, business and institutional banking, and wealth management services. Westpac operates in six segments: Westpac Retail and Business Banking (WRBB), St.George Bank Limited, BT Financial Group Australia (BTFG), Westpac Institutional Bank (WIB), New Zealand Banking (NZ) and Other. WRBB is responsible for sales, marketing and customer service for all consumer and small to medium enterprise customers within Australia under the Westpac and RAMS brands. St.George Bank is responsible for sales, marketing and customer service for its consumer, business and corporate customers in Australia under the St.George brand. It also includes the management and operation of Bank of South Australi (BankSA). On December 1, 2008, Westpac completed its merger with St.George Bank Limited.