ASB is a bank owned by Commonwealth Bank of Australia, operating in New Zealand. It provides a variety of financial services including retail, business, rural and institutional banking, funds management, as well as insurance through its Sovereign arm, and investment and securities services through its ASB Group Investments and ASB Securities arms. ASB also operates BankDirect, a branchless banking service that provides service via phone, Internet, EFTPOS and ATMs only https://www.asb.co.nz/awards/