Royal Bank of Canada (RBC) is a diversified financial services company. It operates through four business segments: Personal and Commercial Banking, Wealth Management, Capital Markets, and Insurance. The Personal and Commercial Banking segment provides financial products and services to individual and business clients. The Wealth Management segment offers wealth, investment, trust, banking, credit, and other advice-based solutions. The Insurance segment delivers property and casualty, travel, group benefits, annuities, and reinsurance services. The Capital Markets segment specializes in advisory and origination, sales and trading, and lending and financing solutions.