Royal Bank of Canada operates as a diversified financial service company in Canada, the United States, the Caribbean, and internationally. The company operates through five segments: Personal & Commercial Banking, Wealth Management, Insurance, Investor & Treasury, and Capital Markets. The Personal & Commercial Banking segment engages in the personal and corporate banking operations and retail investment businesses. The Wealth Management segment offers investment, trust, and other wealth management solutions and businesses that provide asset management products and services through RBC distribution channels and third-party distributors. The Insurance segment provides a range of life, health, home, auto, travel, wealth and reinsurance advice and solutions, as well as creditor and business insurance services to individual, business, and group clients. The Investor & Treasury segment offers custodial, advisory, financing, and other services to institutional investors. The Capital Markets segment provides a range of capital market products and services in corporate and investment banking and global markets. The company was founded in 1864 and is headquartered in Toronto, Canada.