Bank of Ireland Group Plc is a holding company, which engages in financial and banking solutions. Its services include current account and deposit services, overdrafts, term loans, mortgages, business and corporate lending, international asset financing, leasing, instalment credit, invoice discounting, foreign facilities, interest and exchange rate, hedging instruments, life assurance, pension and protection products. The firm operates through the following segments: Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Markets, Group Centre, and Other reconciling items. The Retail Ireland segment offers financial products and services including current accounts, savings, mortgages, credit cards, motor finance and loans to personal and business banking customers and is managed through a number of business units, namely distribution channels, customer segments and propositions, products, and business banking. The Wealth and Insurance segment provides life assurance products, such as protection, investment and pension products to the Irish market. The Retail UK segment is responsible for mortgage business services such as savings, mortgages, foreign exchange, credit and travel cards, current accounts, personal loans, business lending, and ATM services. The Corporate and Markets segment specializes in corporate banking, wholesale financial markets, specialized acquisition finance and large transaction property lending business, across the RoI, UK and internationally, with offices in Ireland, the UK, the US, Germany, France and Spain. The Group Centre segment comprises group technology and customer solutions, group finance, group risk, group internal audit, group marketing and group people services. Other reconciling items represent inter segment transactions, which are eliminated upon consolidation and the application of hedge accounting at Group level. The company was founded in 1783 and is headquartered in Dublin, Ireland.