AMP Limited is an independent wealth management company with an international investment management business and a retail banking business in Australia. The Company's operating segments include Australian wealth management, which provides customers with financial advice services, superannuation products, retirement income, investment, and financial advice services; AMP Capital, which is an investment manager, managing investments across asset classes, including equities, fixed interest, infrastructure, property, diversified funds, multimanager and multi-asset funds; Australian wealth protection, which includes individual and group term, disability and income protection insurance products; AMP Bank, which offers residential mortgages, deposits, transaction banking and self-managed superannuation fund (SMSF) products; New Zealand financial services, which is a risk insurance business, and Australian mature business, which includes endowment, investment account and annuities.