The Australia and New Zealand Banking Group Ltd. (ANZ Banking Group) is the fourth largest bank in Australia in terms of market capitalisation. It comprises Retail Banking, Regional & Rural Banking, Consumer Finance (including credit cards), Mortgages, Investment & Insurance Products and Banking Products. Total assets: US$ 544 billion (as of December 31, 2010). ANZ operates in more than 32 countries across Australia, New Zealand, the Pacific, Europe, Dubai, USA and Asia. The Group employs nearly 48,000 people and operates two brands, ANZ and the National Bank of New Zealand.