We are committed to engaging positively with all our stakeholders in a fair and transparent way to create value for our customers, staff, investors and the communities we operate in.


Our sustainability is aligned with the nature of our business. As a financial service provider, our primary function is gathering deposits from customers and lending to individuals and small businesses. We have a relatively small physical footprint, so our sustainability efforts focus primarily on our economic and customer impacts. Because our business contributes to how capital is allocated in the economy, we are conscious of how our customers use the funds that we lend. You can find out more about this on our approach to sustainable lending page. 


Our sustainability framework guides our approach to sustainability. It focuses on the areas that give us the best opportunities to deliver our business strategy and contribute to the wellbeing of our stakeholders. You can find out more about our approach to sustainability by clicking on the headings below.


We manage a range of sustainability issues as part of our everyday business operations and while all of these sustainability issues are important, there are priorities that change over time. Find out more about our most important sustainability issues.


Our sustainability scorecard details our achievements over the last financial year and sets three-year sustainability targets.


Sustainable business practice is a continuous process – one that we’ll grow and change as technology, the economy and consumer interests change. It’s all just part of our journey to becoming Australia’s most loved bank.



Putting customers at the heart of everything we do  

  • Customer satisfaction
  • Transparent, accessible and affordable products
  • Being available for customers when and how they want
  • Customer complaint resolution
  • Financial hardship support
  • Information security and privacy protection


Doing the right thing 

  • Transparent disclosure
  • Business conduct and ethics
  • Financial and business management
  • Compliance
  • Executive remuneration
  • Sustainable shareholder returns
  • Risk management

People and culture

Creating a place where people love to work 

  • Employee engagement and retention
  • Diversity, inclusion and flexibility
  • Workplace health and safety
  • Investing in developing our people
  • Franchisee support
  • Reward and recognition
  • 144 culture - 1 mission (to be Australia's most loved bank), 4 strategic pillars (customer in charge, grow the right way, there's always a better way, loved like no other), 4 values (impact, integrity, collaboration, passion) 


Sharing the love with the communities we operate in 

  • Stakeholder engagement
  • Public policy contribution
  • National community partnerships supporting youth
  • Regional community programs through retail and business network
  • Employee dollar-matching and workplace giving program
  • Investor dividend donation program
  • Workplace giving
  • Disaster relief support through retail branch footprint
  • Economic contribution


Responsibly managing our environmental impacts 

  • Efficient use of resources
  • Environmentally-friendly property and assets
  • Reducing environmental impact of operations
  • Understanding environmental impact of our customers