Royal Bank of Canada engages in the provision of banking and financial solutions. It operates through the following segments: Personal & Commercial Banking, Capital Markets, Wealth Management, Insurance, Investor and Treasury Services. The Personal & Commercial Banking segment deals with a broad suite of financial products and services in Canada. The Capital Markets segment covers banking, finance and capital markets to corporations, institutional investors, asset managers, governments and central banks around the world. The Wealth Management segment offers a comprehensive suite of investment, trust, banking, credit and other wealth management solutions to institutional and individual clients through its distribution channels and third-party distributors. The Insurance segment refers to a range of life, health, home, auto, travel, wealth, group and reinsurance products. The Investor and Treasury Services segment comprises of asset services and a provider of cash management, transaction banking and treasury services to institutional clients worldwide. The Corporate Support segment consists of technology and operations services. The company was founded by J. W. Merkell, Edward Kenny, T. C. Kinnear, James B. Duffus, William Cunard, John Tobin, George P. Mitchell and Jeremiah Northup in 1864 and is headquartered in Toronto, Canada.