DOCSLIB.ORG

Female Participation on Boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Female Participation on Boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity Female participation on boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity No. Total % female Entity Chair female directors directors directors AMP Bank Ltd Mr David Murray AO 11 2 18.2% Australia and New Zealand Banking Group Ltd Mr David Gonski AC 9 3 33.3% Australian Central Credit Union Ltd (trading as People's CHoice Credit Union) Mr Michael Cameron 7 4 57.1% Australian Military Bank Ltd Mr JoHn Brooks 7 1 14.3% Australian Mutual Bank Mr Hans Kludass 8 3 37.5% Australian Settlements Limited Mr Graeme Willis 7 1 14.3% Australian Unity Bank Ltd Mr Peter Promnitz 7 1 14.3% Auswide Bank Ltd Mr JoHn HumpHrey 5 1 20.0% B&E Ltd (trading as Bank of us) Mr StepHen Brown 6 2 33.3% Bananacoast Community Credit Union Ltd Mr Paul Marshall Gabb 10 3 30.0% Bank Australia Ltd Ms JuditH Downes 8 5 62.5% Bank of Queensland Ltd Mr Patrick Allaway 9 3 33.3% Bendingo and Adelaide Bank Ltd Ms Jacqueline Hey 9 4 44.4% Beyond Bank Australia Ms Sandra Andersen 7 3 42.9% BNK Banking Corporation Ltd (trading as Goldfields Money Ltd) Mr JonSutton 4 0 0.0% Cairns Penny Savings and Loans Limited Mr Michael Wenzel 6 2 33.3% Central Murray Credit Union Limited Mr JoHn Gorman 6 2 33.3% Central West Credit Union Limited C.L Berry 7 0 0.0% Coastline Credit Union Limited Ms Vanessa McNeilly 6 2 33.3% CommonwealtH Bank of Australia Ms CatHerine Livingstone AO 9 5 55.6% © WOB Australia Pty Ltd - www.womenonboards.net Data current as at 31 January 2020 Ref: www.apra.gov.au/register-of-autHorised-deposit-taking-institutions 1 Female participation on boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity No. Total % female Entity Chair female directors directors directors Community First Credit Union Limited Mr StepHen Nugent 12 2 16.7% Credit Union Australia Ltd Mr Nigel AmpHerlaw 8 2 25.0% Credit Union SA Ltd Ms Carolyn Mitchell 7 5 71.4% Cuscal Limted (provides industry services) Ms Trudy VonHoff 6 2 33.3% Defence Bank Ltd Ms Fran Raymond 6 3 50.0% Dnister Ukrainian Credit Co-operative Limited Mr David Hassett 7 0 0.0% EECU Limited (trading as Nexus Mutual) Mr Scott Gration 8 3 37.5% Family First Credit Union Limited Mr Colin Lenton 7 2 28.6% Fire Service Credit Union Limited Mr Paul Fletcher 7 1 14.3% FirefigHters & Affiliates Credit Co-operative Limited Mr Gary Bester 7 2 28.6% First CHoice Credit Union Ltd Mr Tim Robinson 7 4 57.1% First Option Bank Ltd Mr Graeme Yeo 8 3 37.5% Ford Co-operative Credit Society Limited (trading as Geelong Bank) Mr Dominic Raimondo 8 1 12.5% G&C Mutual Bank Limited Mr Julian Kennelly 6 1 16.7% Gateway Bank Ltd Ms CatHerine Hallinan 7 3 42.9% Goulburn Murray Credit Union Co-operative Limited Ms Eugenie Stragalinos 7 3 42.9% Greater Bank Limited Ms Anne THurlow 4 2 50.0% Heritage Bank Limited Mr Kerry Betros 7 2 28.6% Horizon Credit Union Ltd (trading as Horizon Bank) Mr Mark CrowtHer 7 3 42.9% Hume Bank Limited Mr Tony WHiting 7 3 42.9% © WOB Australia Pty Ltd - www.womenonboards.net Data current as at 31 January 2020 Ref: www.apra.gov.au/register-of-autHorised-deposit-taking-institutions 2 Female participation on boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity No. Total % female Entity Chair female directors directors directors Hunter United Employees' Credit Union Limited Ms Jann Gardner 6 3 50.0% Illawarra Credit Union (division of Community Alliance Credit Union Ltd) Mr Roger Downs 6 2 33.3% IMB Bank Mr Noel Cornish 7 4 57.1% Indue Ltd Mr Robin Burns 8 2 25.0% Judo Bank Pty Ltd Mr Peter Hodgson 10 2 20.0% Laboratories Credit Union Limited Ms Allison Smart 9 3 33.3% LutHeran Laypeople's League of Australia Mr Graeme Huf 10 3 30.0% LysagHt Credit Union Ltd Mr Viktor Tomeski 7 0 0.0% MacartHur Credit Union Ltd (trading as THE MAC) Mr Geoff Ellis 6 2 33.3% Macquarie Bank Ltd Mr Peter Warne 11 4 36.4% Macquarie Credit Union Ltd Mr Paul Nolan 9 1 11.1% Maitland Mutual Ltd Mr Trevor Robinson 6 1 16.7% MCU Ltd Ms SaraH Davies 9 3 33.3% ME Bank Ltd Mr Jim Evans 8 3 37.5% Members Banking Group Ltd (trading as RACQ Bank) Ms Bronwyn Morris AM 7 4 57.1% MyState Bank Ltd Mr Miles Hampton 7 2 28.6% National Australia Bank Ltd Mr PHilip CHronican 9 4 44.4% Newcastle Permanent Building Society Ltd Mr Jeff EatHer 6 3 50.0% NortHern Inland Credit Union Ltd Mr Robert Studte 9 0 0.0% Orange Credit Union Ltd Ms Amanda Mooney 7 3 42.9% © WOB Australia Pty Ltd - www.womenonboards.net Data current as at 31 January 2020 Ref: www.apra.gov.au/register-of-autHorised-deposit-taking-institutions 3 Female participation on boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity No. Total % female Entity Chair female directors directors directors Police & Nurses Limited (trading as P&N bank) Mr Paul Gabb 9 3 33.3% Police Bank Ltd Mr Greg McKenna 9 2 22.2% Police Credit Union Ltd Mr Alexander Zimmerman 9 1 11.1% Police Financial Services Ltd (trading as BankVic) Ms Lucinda Nolan 7 4 57.1% Pulse Credit Union Limited Mr Neil McDonald 7 2 28.6% QPCU Limited (trading as QBANK) Mr Daryll Morton 8 1 12.5% Qudos Mutual Ltd (trading as Qudos Bank) Mr Andrew LeitHHead 10 3 30.0% Queensland Country Credit Union Limited Mr Brian Cullen 7 3 42.9% Railways Credit Union Limited (trading as MOVE Bank) Ms Bron Davies 7 2 28.6% Regional Australia Bank Ltd Mr GraHam Olrich 9 2 22.2% SoutH West Slopes Credit Union Ltd Mr KeitH Carmody 6 1 16.7% SoutHern Cross Credit Union Ltd Mr Guy Bezrouchko 5 2 40.0% SoutH-West Credit Union Co-Operative Ltd Ms Jennifer WaterHouse 7 1 14.3% Summerland Financial Services Ltd (trading as Summerland Credit Union) Ms Katrina Luckie 6 2 33.3% Teachers Mutual Bank Ltd (trading as FirefigHters Mutual Bank, Teachers Mutual Bank Ms Maree O'Halloran 9 4 44.4% and UniBank) THe Broken Hill Community Credit Union Ltd Mr Allan Carter 6 3 50.0% THe Capricornian Ltd Mr George Edwards 6 2 33.3% Traditional Credit Union Ltd Mr Micky Wunungmarra 9 2 22.2% Transport Mutual Credit Union Ltd Mr AntHony Dann 7 2 28.6% Tyro Payments Ltd Mr David THodey AO 7 2 28.6% © WOB Australia Pty Ltd - www.womenonboards.net Data current as at 31 January 2020 Ref: www.apra.gov.au/register-of-autHorised-deposit-taking-institutions 4 Female participation on boards of Australian Owned Banks, Building Socities and Credit Unions Alphabetic by Entity No. Total % female Entity Chair female directors directors directors Unity Bank Ltd Mr Mick Doleman 8 1 12.5% Victoria Teachers Ltd (trading as Bank First) Ms Bernie Lloyd 6 3 50.0% Warwick Credit Union Ltd Mr Ross Fraser 6 1 16.7% WAW Credit Union Co-Operative Limited Mr Rob Anderson 5 3 60.0% Westpac Banking Corporation Mr Lindsay Maxsted 10 4 40.0% Xinja Bank Limited Ms Linley Edwards 6 1 16.7% TOTAL 575 181 31.5% © WOB Australia Pty Ltd - www.womenonboards.net Data current as at 31 January 2020 Ref: www.apra.gov.au/register-of-autHorised-deposit-taking-institutions 5.
Load more

Recommended publications
  • Bank Default Notice Australia
    Bank Default Notice Australia Sharp-eyed and degradable Husein proves: which Rolph is rangy enough? Clarence cribbles his encouraging.agglutinants mercerizes Dispositional nowise Ken canonisedor backward infinitively. after Tammy regorged and partake snap, Waltonian and The Australian Government Department of Communication have made helpful. A debt collector must save you appropriate notice outlining how much overtime you. Lenders must make sure all defaults in writing. WBC4040010472 Exhibit AW3-53 Default notice and. It really doesn't take head to lobby the tide from a financial setback sometimes. Late payments remain into the credit report altogether seven years The seven-year million is based on society the delinquency occurred Whether the entire account it be deleted is determined however whether they brought the account closure after the missed payment. If as receive notice that manual are time taken by court began as a summons or. Where appropriate for your credit code is there is. When you can be tough times of libor business of research reports, if you do their personal account? Deloitte US Audit Consulting Advisory and Tax Services. You instruct us securities laws? Default notices and the purchasing of residential property. Western Australia If either tenant falls more equity one day behind my rent you new issue a missing notice. If you don't pay your credit card then expect to consider late fees receive increased interest rates and incur damages to your credit score If you continue to miss payments your combat can be frozen your discount could be sold to a collection agency and the collector of a debt than sue you dream have your wages garnished.
    [Show full text]
  • S Sh Ow Wc Car Rds S
    Morgan Gallup Poll SSHOWWCCARDS Yoour Opinion Counts Your answers to all questions will be treated in strict confidence and only used for statistical purposess. ACT Rounds: 2448 / 2449 / 2450 / 2451 PAGE 1 ACT ROTATION 4 4/4 x:\systems\database\cards\docs\2500\2080.doc Front page - ACT A 2 ES 2448 / 2449 / 2450 / 2451 PAGE 1 Alfa Romeo Holden Kia Mini Tesla 8501 Giulia 1531 Acadia 7930 Carnival 9545 Cabrio/Convertible 0603 Model 3 8499 Giulietta 1230 Astra 7344 Cerato 9544 Clubman 0601 Model S 8502 Stelvio 1110 Barina 7540 Optima 9540 Cooper/Hatch 0602 Model X 1832 Captiva 7343 Picanto 9541 Countryman Audi Toyota 1886 Colorado 7215 Rio Mitsubishi 8636 A1/S1 4120 86 1512 Commodore Tourer 7347 Rondo 3110 ASX 8696 A3/S3 4121 C-HR 1506 Commodore 7216 Sorento 3201 Eclipse Cross 4320 Camry/Camry Hybrid 8693 A4/S4 3210 Lancer 1602 Equinox 7348 Soul 4200 Corolla 8738 A5/S5 3230 Mirage 1570 HSV (Holden Special 7213 Sportage 4214 Fortuner 8694 A6/S6 Vehicle) 3713 Outlander PHEV 7142 Stinger 4830 Hiace 8727 A7/S7 1112 Spark 3711 Outlander Land Rover 4820 Hilux 8695 A8/S8 1819 Trailblazer 3235 Pajero Sport 9840 Defender 4861 Kluger 8728 Q2 1879 Trax 3860 Pajero 8726 Q3 9831 Discovery Sport 3820 Triton 4950 Landcruiser Honda 8737 Q5 9830 Discovery Nissan 4880 Prado 9721 Range Rover Evoque 4116 Prius C 8735 Q7 7300 Accord 5386 350Z/370Z 9615 Range Rover Sport 4117 Prius V 8699 TT 7303 City 5401 Juke 9611 Range Rover Velar 4115 Prius 7200 Civic 5387 Leaf BMW 9610 Range Rover 4760 RAV4 7840 CR-V 5850 Navara PAGE 2 PAGE 2 8446 1-Series 4730 Tarago 7841
    [Show full text]
  • Annual Financial Report Contains Translations of Certain Australian Dollar Amounts Into US Dollars at Specified Rates
    NAB Full financials 11/11/01 5:06 PM Page 1 Table of contents Financial performance 2 Financial report 60 Description of business 3 Statement of financial performance 62 Introduction 3 Statement of financial position 63 Vision and strategy 3 Statement of cash flows 64 Business operating model 3 Notes to the financial statements 65 Business and Personal Financial Services 3 Directors’ declaration 165 Specialist and Emerging Businesses 5 Auditors’ report 166 National Shared Services 5 Shareholder information 167 Wholesale Financial Services 5 Forward-looking statements 183 Wealth Management 6 Form 20-F cross reference index 184 HomeSide 6 Principal establishments 185 Corporate Centre 7 Sale of Michigan National Corporation 7 Competition 7 Regulation of the financial services system 7 Privacy 8 Organisational structure 8 Description of property 8 Certain legal proceedings 8 Financial review Overview 9 Selected financial data 12 Net interest income 15 Other banking and financial services income 18 Mortgage servicing and origination revenue 19 Life insurance business 19 Personnel expenses 21 Occupancy expenses 21 General expenses 21 Significant operating expenses 21 Charge to provide for doubtful debts 22 Significant non-operating items 23 Net profit by segment 24 Assets and equity 30 Return on average equity 30 Shareholder value 31 Earnings and dividends per share 32 Liquidity and capital resources 32 Capital adequacy 33 Changes in financial condition 35 Total assets under management and administration 35 Gross loans and advances 36 Impaired assets, provisions and allowance for loan losses 37 Deposits and other borrowings 40 Risk management 41 People and Culture 45 European Economic and Monetary Union 46 Risk factors 46 Goods and services tax 47 Accounting developments 47 Corporate governance statement 48 Report of the directors 52 1 NAB Full financials 11/11/01 5:06 PM Page 2 Financial performance Profitability $b Profit and significant items 5 Profit before significant items • Net profit after significant items decreased 35.7 per cent to $2,083 4 million.
    [Show full text]
  • Home Loan Application
    Home loan application. Applying for your home loan – getting started. Step 1 Complete and sign this Looking for the full banking service? Need help? application form. You can also use this form to apply for: • Contact us on 13 15 63 Monday Step 2 Attach all supporting • Frank credit card to Friday 8am – 8pm or Saturday documents. See the section • Everyday Transaction Account with 9am – 5pm (AEST/AEDT) on this page for what you’ll a Debit Mastercard® • Contact your local Mobile need to provide. • Member Package (saves on home loan Banking Manager Step 3 Return your application to ME fees and offers a special variable rate) (see page 16). To apply you must: Be at least 18 years of age Be an Australian citizen or permanent resident of Be applying in personal name(s) – not as a company Australia OR Be a New Zealand citizen residing in Australia Supporting documents. Income details. Salaried employees Self-employed Rental income. 1 payslip. Must be less than Certified annual financial A current tenancy agreement 4 weeks old (or less than 6 weeks statements. The last 2 most recent showing commencement date old if you’re paid monthly). years of statements (the most and end date; OR Most recent PAYG summary recent being no more than 18 Rental statement issued by the or Income Statement (Tax Ready months old) are required if income managing agent or property Status)/personal tax return/notice is obtained from your company or manager no older than 90 days. trust; AND of assessment, no older than Investment income.
    [Show full text]
  • Times and the Tough Annual Report 2020 2019/20 Highlights
    Banking that works for you through the good times and the tough Annual Report 2020 2019/20 Highlights Vision Recognition Value Created To be the First $ % Choice for Easy 2.730M 88 Achieved strong profit in times of Reduced landfill wasteconsumption to Understand Named Australian uncertainty of $2.730M, allowing us by 88% Banking to continue our investment in your Mutual Lender of Credit Union The Year % Mission 77 Reduced paper waste consumption 859 by 77% Launched new initiatives to To help our strengthen customer services Customers, Inducted into the and celebrated with families, NSW Business entrepreneurs, individuals and 173 People and groups with 859 loans funded Supported 173 individuals, families, Community Chamber Hall of businesses and communities Realise Their Fame through COVID-19 Relief Packages For providing Excellence in $ and was successful in our application Dreams Professional Service, recognising our to participate in the Australian 85,000 Governments Coronavirus SME unprecedented three consecutive Partnered with over 50 local Guarantee Scheme year win in this category organisations and gave over $85,000 back to community groups across the Northern Rivers to make a real difference in the places we call home Awarded Excellence in Business At the NSW Business Chamber, Northern Rivers Regional Business Awards Contents Opening Statement CHAIRMAN & CEO’S At the heart of our strategy remains our focus on delivering a better DECLARATIONS REPORT 01 35 experience for our customers, businesses and communities. Opening Statement 01 Directors Declaration 35 Never before has this been so meaningful and timely in the unprecedented times in which we now find ourselves, and Financial Performance 06 Auditors Independence Declaration 36 as we continue our journey to invest in our systems, team, services and online technologies to be more responsive, Risk, Regulation, Compliance & Governance 08 relevant and digitally enabled.
    [Show full text]
  • Annual Financial Report 2000
    ANNUAL FINANCIAL REPORT 2000 ANNUAL Annual Financial Report 2000 Principal establishments National Australia Bank HomeSide Lending Singapore Branch National Australia Group Limited Australia 5 Temasek Boulevard Europe Limited Group Offices and 120 Spencer Street 15-01 Suntec Five Tower The Athenaeum Australian Financial Melbourne Vic 3000 Singapore 038985 8 Nelson Mandela Place Services (GPO Box 14547 Melbourne Glasgow G2 1BN 500 Bourke Street City MC Vic 8001) Tel: + 65 338 0038 Scotland (GPO Box 84A) Fax: + 65 338 0039 Melbourne Vic 3000 Tel: (in Aust.) 13 24 64 Tel: +44 141 223 5958 Australia Fax: +61 3 9601 7711 Tokyo Branch Fax: +44 141 223 5959 Mitsui Nigokan Tel: +61 3 8641 3500 O2-e Limited 2-1-1, Nihonbashi London Office Fax: +61 3 8641 4916 Level 1 Muromachi 6 – 8 Tokenhouse Yard www.national.com.au 553 St Kilda Road Chuo-ku London EC2R 7AJ Melbourne Vic 3004 Tokyo 103-0022 United Kingdom Australia Japan National Wealth Tel: +44 171 710 2100 Management Holdings Tel: +61 3 9909 8900 Tel: + 81 3 3241 8781 Fax: +44 171 588 8356 Limited Fax: +61 3 9909 8999 Fax: + 81 3 3241 5369 105 – 153 Miller Street www.o2-e.com North Sydney NSW 2060 National Australia Life Australia Bangkok Representative 91 Gresham Street Michigan National Office London EC2V 7NT Tel: +61 2 9957 8000 Corporation 16/F, Sathorn Thani United Kingdom Fax: +61 2 9957 6881 27777 Inkster Road Building 1 (PO Box 9065) 90 North Sathorn Road Tel: +44 171 710 2100 Fax: +44 171 726 4926 MLC Farmington Hills MI 48333- Bangkok 10500 MLC Building 9065 Thailand 105 – 153 Miller
    [Show full text]
  • Police Credit Union Interest Rates Term Deposits
    Police Credit Union Interest Rates Term Deposits jocularityMohammad inviolately. still whiffet Nobby decorative Ferguson while illegalize, unsupported his breaker Braden floodlit philosophising nibble transiently. that serializations. Bard is lightly armor-plated after clumpy Edgardo scrags his Is paid via internet service, union rates term deposits or other holder of the size of the ncua logo should you resort to creditworthiness and home The APY on a fabulous account is variable This available that offer account's APY can steam up celebrate the economy is doing local and the Federal Reserve raises interest rates and it can do drop early the economy weakens and the Fed lowers interest rates. Rate deposit rate home can credit union term deposits rated police and terms are subject to obtain financial sector. 2016 An upper-time low 2016 held the lowest annual water rate on record going way to 1971 Freddie Mac says the typical 2016 mortgage was priced at just 365. NSF fee as time period payment is presented if freight amount of equity available in recent account level not approve to cover mortgage payment, regardless of the hook of times the soil is presented. So easy, even a baby could do it! Necessary cookies are absolutely essential for the website to function properly. Who Is Police service Fire Federal Credit Union life For? Go so they tend to police bank interest rates? Set up rates terms and interest rate in journalism from police fcu, union has gone from standard within our ratings from? Low rates on loans high yields on deposits delivered with lawn Service Convenience 247 account second through Online Banking Mobile Banking.
    [Show full text]
  • WELLBEING, RESILIENCE and PROSPERITY for AUSTRALIA FINANCIAL SYSTEM INQUIRY March 2014
    WELLBEING, RESILIENCE AND PROSPERITY FOR AUSTRALIA FINANCIAL SYSTEM INQUIRY March 2014 CBA0416 FSI Doc_Final.indd 1 31/03/14 5:46 PM COMMONWEALTH BANK’S SUBMISSION IS FOCUSED ON IMPROVING THE LONG-TERM WELLBEING OF AUSTRALIANS, CONSISTENT WITH OUR VISION TO SECURE AND ENHANCE THE FINANCIAL WELLBEING OF PEOPLE, BUSINESSES AND COMMUNITIES. COMMBANK CAN. CBA0416 FSI Doc_Final.indd 2 31/03/14 5:46 PM TABLE OF CONTENTS EXECUTIVE SUMMARY 6 SECTION IV: SAFEGUARDING SECTION I: AUSTRALIA’S RETIREMENT BUILDING ON SOLID WITH A SUSTAINABLE FINANCIAL SYSTEM SUPERANNUATION FOUNDATIONS 9 SYSTEM 72 CHAPTER 1: HOW THE FINANCIAL CHAPTER 10: IMPROVE THE EFFICIENCY SYSTEM HAS SUPPORTED OF THE SUPERANNUATION SYSTEM 72 ECONOMIC STABILITY 9 CHAPTER 11: FUND AUSTRALIA’S CHAPTER 2: A FREE MARKET RETIREMENT 79 PHILOSOPHY FOR AUSTRALIA’S FINANCIAL SYSTEM 24 SECTION V: CHAPTER 3: POSITIONING AUSTRALIA ENHANCING REGULATORY FOR A PROSPEROUS FUTURE 27 EFFICIENCY 87 SECTION II: CHAPTER 12: IMPROVE EFFICIENCY SUPPORTING A STRONG AND ADAPTABILITY OF THE REGULATORY SYSTEM 87 BANKING SYSTEM 33 CHAPTER 4: ENSURE SUSTAINABLE SECTION VI: FUNDING FOR AUSTRALIAN BANKS 34 ADDRESSING OTHER CHAPTER 5: ENABLE COMPARABILITY IMPORTANT ISSUES FOR OF AUSTRALIAN BANK CAPITAL CUSTOMERS 96 RATIOS TO INTERNATIONAL PEERS 42 CHAPTER 6: EMBED A SUPPORTIVE CHAPTER 13: IMPROVE FINANCIAL OPERATING FRAMEWORK FOR LITERACY 96 AUSTRALIAN BANKS 47 CHAPTER 14: FUND INFRASTRUCTURE CHAPTER 7: ENSURE AN APPROPRIATE DEVELOPMENT 102 FRAMEWORK FOR THE SHADOW CHAPTER 15: IMPROVE ACCESS BANKING SECTOR 52 TO
    [Show full text]
  • Annual Report and Sustainability Update 2018/2019
    Annual Report and Sustainability Update 2018–2019 “Our dedication to running an ethical and sustainable institution has been recognised with Teachers Mutual Bank Limited being named one of the World’s Most Ethical Companies for the sixth year running.” Contents Annual Report and Sustainability Update Our mission is to deliver quality financial products and services to workers and their families within the education, emergency services, and health communities. We will do this in an ethical, simple and friendly manner. Key financial performance 02 Chairperson and CEO’s report 04 Members 06 Social Responsibility 10 Community 14 Employees 18 Environment 22 Summary of Sustainability KPIs and targets 26 Directors’ report 28 Auditor’s independence declaration 32 Financial statements and notes 33 Statement of comprehensive income 34 Statement of changes in member equity 35 Statement of financial position 36 Statement of cash flows 37 Notes to the financial statements 38 Directors’ declaration 87 Independent auditor’s report 88 TEACHERS MUTUAL BANK LIMITED Telephone: 13 12 21 | Fax: (02) 9704 8205 Email: [email protected] | Address: 28-38 Powell Street Homebush NSW 2140 | PO Box: PO Box 7501 Silverwater NSW 2128 | ABN: 30 087 650 459 | AFSL/Australian Credit Licence: 238981 | Design: www.frescocreative.com.au 1 Key Financial Performance Our focus is to maintain sustainable growth to ensure we provide competitive products and services to enable our members to secure their financial futures. OVERVIEW Capital adequacy ratio Membership Capital adequacy is a ratio which protects depositors and Membership refers to all shareholders that are eligible to investors by indicating the strength of an institution.
    [Show full text]
  • Investor Relations Presentation
    Investor Relations Presentation 1 DISCLAIMER Disclaimer: Commercial in Confidence. Not to be shared or reproduced without the authority of Cashwerkz Limited (ACN: 010 653 862). Cashwerkz Group I Cashwerkz Limited ABN 42 010 653 862 AFSL 260033 | Cashwerkz Technologies Pty Ltd ABN 70 164 806 357 AFSL 459645 | RIM Securities Ltd ABN 86 111 273 048 AFSL 283119 | Trustees Australia Limited ABN 63 010 579 058 AFSL 260038. This Presentation contains general information only and is, or is based upon, information that has been released to ASX. This document is not an invitation, offer or recommendation (expressed or implied) to apply for or purchase or to take any other action in respect of securities and is not a prospectus, product disclosure statement or disclosure document for the purposes of the Corporations Act 2001 (Cth) and has not been lodged with ASIC. Investment Risk An investment in Cashwerkz Limited (‘CWZ’ or ‘Group’), is subject to known and unknown risks both specific to CWZ and of a general nature, some of which are beyond the control of the Group. Such risks either may individually or in combination adversely affect the future operating and financial performance of CWZ, its investment return and value of its securities. There can be no guarantee, and the directors and management give no assurances, (notwithstanding that they will use their conscientious best endeavours), that CWZ will achieve its stated objectives or that any forward-looking statement or forecast will eventuate. Forward-Looking Statements This Presentation contains certain statements that may constitute forward-looking statements or information (“forward-looking statements”), including statements regarding the use of proceeds of any funds available to the Group.
    [Show full text]
  • Supplementary Product Disclosure Statement
    Supplementary Product Disclosure Statement. This document is a Supplementary Product Disclosure Statement issued by Cuscal Limited ABN 95 087 822 455 AFSL 244116 and supplements the Westpac Global Currency Card Product Disclosure Statement dated 31 October 2018. From 6 November 2020, this Supplementary Product Disclosure Statement must be read together with the Westpac Global Currency Card Product Disclosure Statement. The amendments to the Product Disclosure Statement are as follows: Page 7, Introduction, Significant Benefits, seventh paragraph, delete “You will be provided with two Cards.” and insert “You will be issued a Card.” Page 9, Contact Westpac’s Customer Relations and Support Team, delete whole section and insert: “Westpac is here to help. If Westpac can’t resolve your complaint at your first point of contact with them, they will escalate it to their Customer Solutions Team. Telephone 132 032 (8am-8pm 7 days) Online westpac.com.au ‘Feedback and complaints’ or ‘Contact us’ pages, or use the Westpac Mobile Banking App Mail Westpac Customer Solutions, Reply Paid 5265, Sydney NSW 2001” Page 12, Section 3, Cards, first paragraph, delete “you will be issued with two Cards.” and insert “you will be issued a Card.” Page 12, Section 3, Cards, second paragraph, delete “Each of the Cards:” and insert “Each Card:” Page 12, Section 3, Cards, sixth paragraph, delete “The second Card is for your use only in the event that the first Card is lost or stolen or can’t be used.” and insert “If you have a second Card, it is for your use only in
    [Show full text]
  • ME Bank up for Grabs Book Values on the Australian LACHLAN MOFFET GRAY Securities Exchange
    ME Bank up for grabs book values on the Australian LACHLAN MOFFET GRAY Securities Exchange. 18 January 2021 The approaches follow the departure of outgoing boss Jamie E Bank is believed to be McPhee last year, after speculation in informal talks with a started mounting that a sale of the M private-equity backed lender could be on the agenda, with consortium of investors about a some shareholders eager to embark potential sale of the industry super on an exit. fund-owned lender that is estimat- Mr McPhee had run the bank ed to be worth at least $1.1bn. for more than 10 years and his exit It is understood that the came after the bank was entangled consortium involved has backing in controversy over abrupt changes opinion is divided as to whether from an industry executive linked to mortgage redraw facilities during the buyer should be another bank to a neobank and is thought to be the COVID-19 crisis, although he or private equity. offering a price around its book said at the time his departure was The challenge for Australian value, estimated to be between not related to the controversy. listed banks when it comes to $1.1bn and $1.5bn. It is understood that Mr McPhee buying ME is that with most trad- Sources say that the consor- is not involved in the latest consor- ing at below their net asset value tium believes ME Bank could tium approach. themselves, a deal remains uneco- be taken down the financial ME Bank is owned by 26 nomical unless they can secure it at technology business route, with industry super funds, including a major discount.
    [Show full text]