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Responsible Banking

We are a profitable bank, but that's not why we exist. Bank Australia exists to create mutual prosperity in the form of positive economic, social, environmental and cultural impact. We’re here to benefit our customers, their communities and the planet.

We believe that a truly responsible bank can make society better, and that where people and organisations put their money has a big impact on the world. That’s why we’re the bank with clean money.

We say our money is clean because it is never loaned to industries that do harm, and all of our loans are subject to our Responsible Banking Policy.

Our responsible banking policy reflects how we embed our values into everything we do - from the loans we provide to the types of organisations we do business with.

We're also the first bank in Australia to have its deposit and home lending products certified 'responsible' by the Responsible Investment Association of Australasia, and through our Impact Fund, we direct 4% of our after-tax profits to projects that help people and the planet.

How we use your money

As a bank, we use the money our customers deposit with us to make loans to people, community organisations and businesses.

To ensure that we use this money in positive ways, our responsible banking policy clearly identifies areas that we will and won’t lend money to.

What we lend to

By choosing to bank with Bank Australia you can be confident your money is working to create a positive impact.

What we don’t lend to

We say our money is clean because it will never be loaned to industries that do harm to people and the planet. By choosing to bank with us, you will have peace of mind knowing your money won’t be supporting the growth and sustainability of these industries.

Our liquidity requirements

Bank Australia maintains a portfolio of liquid assets to ensure we have access to a sufficient amount of cash to comfortably meet the needs of our customers and requirements of our regulator APRA. We have a range of investments, ensuring a diversified exposure, and this generally includes bonds from other banks. We prioritise green/sustainable bonds where they are available and will increase our investment in these bonds as more become available.  

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