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HOW WE
CREATE VALUE

The Bank aims to be different: we offer a compelling value proposition underpinned by efficient, low cost operations.

Our customers received competitive interest rates and fees; we remained carbon neutral; and we supported activities with positive social, economic and environmental impacts.

VALUE

Net profit after tax Increase in assets Total customer benefit in the form of better interest rates and fees Community investment spend
2014: $25.5 million 2013: $26.3 million 2014: +6.1% 2013: +7.3% 2014: $22.7 million 2013: $25.0 million 2014: $0.9 million 2013: $1.0 million
Carbon neutral offsets Credit quality
(level of impaired loans)
Cost to income ratio
(cost of operations)
2014: 1,793 tonnes 2013: 1,884 tonnes 2014: 0.3% 2013: 0.3% 2014: 59.7% 2013: 58.3%