Responsible investment

We invest and lend responsibly

Responsible investment

The Bank strives to provide quality services to members via ethical and prudent lending practices that are financially, socially and environmentally sustainable.

    • Social responsibility exclusions. We apply strict social responsibility criteria when it comes to investing and lending our members’ money. 
    • We don’t lend members’ money to industries that pollute the planet and the money members borrow from us never comes from polluting industries.
    • We don’t invest in, or take money from, the fossil fuel industry – across our entire balance sheet.

    Responsible Investment Association Australasia (RIAA) Certification 

    • Every mortgage, deposit and wholesale product sold is independently certified as a Responsible Investment by RIAA under strict rules, and at no extra cost. 
    • We are the only bank in Australia named as a Responsible Investment Leader by RIAA  
    • RIAA’s Responsible Investment Certification Symbol is the leading mark for distinguishing quality responsible, ethical and impact investment products and services in Australia and New Zealand.
    • In the 6 months to 31 December 2021, our total RIAA Certified product portfolio increased by 17% ($1.4bn) from $8.3bn to $9.7bn. 
    Third party RIAA certification means we are a leader in responsible investment practices, and our responsible investment credentials can be trusted.