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Royal Bank of Canada operates as a diversified financial service company worldwide The companys Personal Commercial Banking segment offers checking and savings accounts home equity financing personal lending private banking indirect lending including auto financing mutual funds and selfdirected brokerage accounts guaranteed investment certificates credit cards and payment products and solutions and lending leasing deposit investment foreign exchange cash management auto dealer financing trade products and services to small and mediumsized commercial businesses This segment offers financial products and services through branches automated teller machines and mobile sales network Its Wealth Management segment provides a suite of advicebased solutions and strategies to high net worth and ultrahigh net worth individuals and institutional clients The companys Insurance segment offers life health home auto travel wealth annuities and reinsurance advice and solutions and business insurance services to individual business and group clients through its advice centers RBC insurance stores and mobile advisors digital mobile and social platforms independent brokers and travel partners Its Investor TreasuRY Services segment provides asset servicing custody payments and treasuRY services to financial and other investors and fund and investment administration shareholder private capital performance measurement and compliance monitoring distribution transaction banking cash and liquidity management foreign exchange and global securities finance services The companys Capital Markets segment offers corporate and investment banking as well as equity and debt origination distribution advisoRY services sale and trading services for corporations institutional investors asset managers private equity firms and governments The company was founded in 1864 and is headquartered in Toronto Canada