Financial Services Capability Statement
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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 -
Business Accounts and Payment Services
Business Accounts and Payment Services Fees and charges and how to minimise them. Terms and conditions, and general information. Accounts no longer for sale. Effective: 13 September 2021 This booklet sets out the terms and conditions applying to our transaction and savings accounts listed in Part A for business customers. Part A: Fees and charges and how to minimise them ...................................................6 Business accounts: Features ����������������������������������������������������������������������������������������������������������������������������������������8 Business accounts: Everyday banking fees and charges ���������������������������������������������������������������������� 12 Different accounts have different features. The features that apply to our accounts are set out in Part A. Corporate accounts: Features �������������������������������������������������������������������������������������������������������������������������������� 24 Separate terms and conditions apply to other banking services we offer, Corporate accounts: Everyday banking fees and charges ��������������������������������������������������������������������� 26 such as Internet and Phone Banking, Business Banking Online, or any linked More about fees and charges that may apply to your account ����������������������������������������������������������� 33 business lending facility. This is only general information – it does not take your circumstances into account. Part B: Terms and conditions, and general information ...........................................40 -
2010 Our Vision
happier banking Members’ Report 2010 Our vision To be the financial institution of choice to the people in, or aligned to, north eastern Victoria and southern New South Wales while providing Our values national convenience. Our mission Compassion We seek to understand and support the needs and goals To build and enhance of members, each other and the community. relationships with members Respect to enable them to make We are inclusive and will act fairly, honestly and with integrity with consideration for others. rewarding financial choices. Aspiration We empower and challenge each other to deliver operational excellence and will strive to improve everything we do. Commitment We work together as a team with dedication and loyalty to our organisation and take responsibility for our actions. Responsive We act with purpose, conviction and courage to deliver in a timely manner. Hume Building Society Ltd ABN 85 051 868 556 AFSL No. 244248 www.humebuild.com.au Contents Key Statistics 2 Chairman and CEO’s Report 3 2010 Highlights 5 We give back more to our members 7 Convenient banking 8 Creating a clean and green future 10 Investing in the future 12 Summarised Financial Report Statement of Comprehensive Income 16 Statement of Financial Position 17 Statement of Cash Flows 18 Independent Audit Report 19 KEY STATISTICS 93.1% Total Loans Customer Satisfaction $555m (Roy Morgan Research) 89.3% Members Employee Key Statistics Satisfaction 52,100 (Hay Group) $705m $5m Total Assets Operating Profit Before Tax Success is going beyond what is $635m $141m expected in everything we do, Total Deposits Net Loan Approvals by the values we share. -
Australia's Best Banking Methodology Report
Mozo Experts Choice Awards Australia’s Best Banking 2021 This report covers Mozo Experts Choice Australia’s Best Banking Awards for 2021. These awards recognise financial product providers who consistently provide great value across a range of different retail banking products. Throughout the past 12 months, we’ve announced awards for the best value products in home loans, personal loans, bank accounts, savings and term deposit accounts, credit cards, kids’ accounts. In each area we identified the most important features of each product, grouped each product into like-for-like comparisons, and then calculated which are better value than most. The Mozo Experts Choice Australia's Best Banking awards take into account all of the analysis we've done in that period. We look at which banking providers were most successful in taking home Mozo Experts Choice Awards in each of the product areas. But we also assess how well their products ranked against everyone else, even where they didn't necessarily win an award, to ensure that we recognise banking providers who are providing consistent value as well as areas of exceptional value. Product providers don’t pay to be in the running and we don’t play favourites. Our judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. When you see a banking provider proudly displaying a Mozo Experts Choice Awards badge, you know that they are a leader in their field and are worthy of being on your banking shortlist. 1 Mozo Experts Choice Awards Australia’s Best Banking 2021 Australia’s Best Bank Australia’s Best Online Bank Australia's Best Large Mutual Bank Australia's Best Small Mutual Bank Australia’s Best Credit Union Australia’s Best Major Bank 2 About the winners ING has continued to offer Australians a leading range of competitively priced home and personal loans, credit cards and deposits, earning its place as Australia's Best Bank for the third year in a row. -
Methodology Report
Mozo Experts Choice Awards Deposits 2019 Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Unlike some other awards, providers don’t ‘enter’ the Mozo Experts Choice Awards nor do they pay to be considered. Our in-house team of experts analyse all the product data they’ve been tracking and scour the market to see if there are any other worthy candidates. Then we use our data and our experience to make a hard-nosed assessment of those products, to identify which offer great value or market-leading features. We recognise the leading products with the Mozo Experts Choice Awards. ● For product providers, a Mozo Experts Choice Award is a thoroughly researched third-party endorsement of their product. ● For consumers, the Mozo Experts Choice Awards badge is a sign that a product is among the leaders in the market, and is worthy of consideration. This report lists the winners and explains the judging methodology for our 2019 Deposit awards. 1 Deposits - 2019 Winners Transaction Accounts Everyday Bank of the Year Exceptional Everyday Account Bank of Sydney Everyday Saver Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account BOQ Specialist Everyday Plus Account Citi Global Currency Account Citi Plus Transaction Account ING Orange Everyday Macquarie Platinum Transaction Account Macquarie Transaction Account UBank USaver Ultra Transaction Account Up Bank Everyday Account Best New Transaction Account Citi Global Currency Account 2 Student Bank Account Community First Credit Union Student -
The World's Most Active Banking Professionals on Social
Oceania's Most Active Banking Professionals on Social - February 2021 Industry at a glance: Why should you care? So, where does your company rank? Position Company Name LinkedIn URL Location Employees on LinkedIn No. Employees Shared (Last 30 Days) % Shared (Last 30 Days) Rank Change 1 Teachers Mutual Bank https://www.linkedin.com/company/285023Australia 451 34 7.54% ▲ 4 2 P&N Bank https://www.linkedin.com/company/2993310Australia 246 18 7.32% ▲ 8 3 Reserve Bank of New Zealand https://www.linkedin.com/company/691462New Zealand 401 29 7.23% ▲ 9 4 Heritage Bank https://www.linkedin.com/company/68461Australia 640 46 7.19% ▲ 9 5 Bendigo Bank https://www.linkedin.com/company/10851946Australia 609 34 5.58% ▼ -4 6 Westpac Institutional Bank https://www.linkedin.com/company/2731362Australia 1,403 73 5.20% ▲ 16 7 Kiwibank https://www.linkedin.com/company/8730New Zealand 1,658 84 5.07% ▲ 10 8 Greater Bank https://www.linkedin.com/company/1111921Australia 621 31 4.99% ▲ 0 9 Heartland Bank https://www.linkedin.com/company/2791687New Zealand 362 18 4.97% ▼ -6 10 ME Bank https://www.linkedin.com/company/927944Australia 1,241 61 4.92% ▲ 1 11 Beyond Bank Australia https://www.linkedin.com/company/141977Australia 468 22 4.70% ▼ -2 12 Bank of New Zealand https://www.linkedin.com/company/7841New Zealand 4,733 216 4.56% ▼ -10 13 ING Australia https://www.linkedin.com/company/387202Australia 1,319 59 4.47% ▲ 16 14 Credit Union Australia https://www.linkedin.com/company/784868Australia 952 42 4.41% ▼ -7 15 Westpac https://www.linkedin.com/company/3597Australia -
AFG Mortgages Lodged
Market Release 19 January 2021 Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir/Madam AFG MORTGAGE INDEX – Q2 2021 Please see attached statement regarding AFG’s Mortgage Index for the second quarter of financial year 2021. Authorised for disclosure by: Lisa Bevan Company Secretary CONTACT DETAILS Alison Clarke, AFG Head of Corporate Communications Mob 0402 781 367 David Bailey, CEO Tel (08) 9420 7888 January 2021 AFG Index Market Release Table of contents 3 Media Release 4 AFG Mortgages lodged 5 Four Major Banks & their Associated Brands vs Non Major lender market share 6 Total lodgement volume 7 Average mortgage size in dollars 8 Loan Value Ratios (LVR) 9 Four Major Banks & their Associated Brands market share all mortgages 10 Non Major Lender market share all mortgages 11 Four Major Banks & their Associated Brands market share Fixed Rate mortgages 12 Non Major Lender market share fixed rate mortgages 13 Lender Product Type 14 Top Lenders by State 15 Four Major Banks & their Associated Brands vs Non Major by state 16 Lender Turnaround Times Contact Details Alison Clarke, AFG Head of Corporate Communications Mob 0402 781 367 www.afgonline.com.au AFG Index 2 Record quarter as homebuyers on the move Australian Finance Group (ASX:AFG) has today announced a record-breaking quarter with more than $19.9 billion of home finance lodged by AFG brokers across the second quarter of the 2021 financial year. AFG CEO David Bailey explained the results: “The national figure represents an increase of 9.5% on the first quarter of the 2021 financial year and an increase of 30% on the corresponding quarter last year. -
Crystal Reports
Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Established Variable $200,000 Company Product "Outstanding Value" Australian Unity Health Wealth and Happiness Package Variable 200k+ Australian Unity Kick Starter Package Variable 200k+ Bank Australia Basic Home Loan -OO (LVR <80%) 80% Bank of Sydney Expect More Variable PAYG - Package Only 100k+ Click Loans The Online Home Loan 150k+ 80% Commonwealth Bank Extra P&I CUA Fresh Start Basic Firstmac VIP Pack 80 P&I Freedom Lend Freedom Variable IO 80% Freedom Lend Freedom Variable PI 80% G&C Mutual Bank Get Ahead Start Home Ln Homeloans Optima Variable - Owner Occ PI 80 Homestar Finance Owner Occupied IO Variable 150-749k 80% Homestar Finance Owner Occupied P&I Variable 150-749k 80% HSBC Home Value - OO (Fee Free Option) HSBC Home Value - Owner Occupier IMB Budget - Owner Occupied 90% IMB Budget - Owner Occupied Special ING Orange Advantage Orange Advantage Variable PI 80% 150-499k ING Orange Advantage Variable PI 150-499k 80% loans.com.au Essentials - Owner Occ - PI loans.com.au Offset Variable-Owner Occ <80% P&I Macquarie Credit Union Power 200-k Mortgage House Advantage Home Loan 70 (No Offset) MOVE - People Driven Banking Economy MOVE - People Driven Banking Straight forward Home Loan P&N Bank Home Loan & Bag & Home Loan 10k+ Pacific Mortgage Group Variable IO Pacific Mortgage Group Variable P&I QBANK Classic Offer 80% Reduce Home Loans Rate Buster 100% Offset Variable 50-k 80% Reduce Home Loans Rate Buster Standard Variable SCU Basic Home Loan State Custodians Low Rate Home Loan with Offset 80% Suncorp Bank Special Offer Back To Basics OO 90% Report Date: September, 2017. -
Select Committee on Financial Technology and Regulatory Technology
The Senate Select Committee on Financial Technology and Regulatory Technology Select Committee on Financial Technology and Regulatory Technology Interim report September 2020 © Commonwealth of Australia 2020 ISBN 978-1-76093-108-7 This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Australia License. The details of this licence are available on the Creative Commons website: http://creativecommons.org/licenses/by-nc-nd/3.0/au/. Printed by the Senate Printing Unit, Parliament House, Canberra Committee Members Chair Senator Andrew Bragg LP, NSW Deputy Chair Senator Marielle Smith ALP, SA Members Senator Susan McDonald NATS, QLD Senator Rex Patrick IND, SA Senator Paul Scarr LP, QLD Senator Jess Walsh ALP, VIC Secretariat Lyn Beverley, Committee Secretary Christopher Sautelle, Principal Research Officer Kate Campbell, Senior Research Officer Elise Gruttner, Senior Research Officer Claire Rhodes, 2019 Graduate Program Margaret Cahill, Research Officer Shannon Ross, Administrative Officer Committee Webpage: http://www.aph.gov.au/senate_FinRegtech PO Box 6100 Phone: + 61 2 6277 3535 Parliament House Fax: + 61 2 6277 5818 Canberra ACT 2600 Email: [email protected] Australia iii Table of Contents Committee Members ........................................................................................................................ iii List of Recommendations ............................................................................................................... vii Chair's Foreword ............................................................................................................................ -
HSBC Visa Debit Card ^Visa Zero Liability Subject to Investigation of Unauthorised Transaction
HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week HSBC Visa Debit Card ^Visa Zero Liability subject to investigation of unauthorised transaction. +home&Away Privilege Program terms and conditions. Making the most of your card Issued by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL 232595. This advertisement provides general advice only and doesn’t take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) before acquiring this product, available by calling 1300 308 008, at your local branch or at www.hsbc.com.au HBAAVDC001-R01-0315 Get started with your HSBC Visa Debit Card Ensure the security of your card The protection of your HSBC Visa Debit Card is a high Congratulations on choosing the HSBC priority. To help protect your card from fraudulent activity: Visa Debit Card to access your HSBC • Sign your card as soon as you receive it • Keep your PIN secure – do not store your PIN with account(s). Enjoy the convenience of your card, don’t tell anyone your PIN and make sure shopping online, over the phone you prevent anyone from seeing your PIN or accessing your money in over • Check your statements and transactions regularly on Internet Banking and Phone Banking to identify any 170 countries around the world, fraudulent activity or transactions you don’t recognise wherever Visa is accepted. • Inform us straight away if you identify any fraud or want to dispute a transaction Your new card gives you access to Activate your card more ATMs and enables you to make Before you can use your HSBC Visa Debit Card, you purchases all over the world using your will need to activate it. -
List of Participating Lenders - Phase 2
List of Participating lenders - Phase 2 The Government is currently considering applications from lenders interested in participating in Phase 2 of the Scheme. The following lenders have been approved to participate in Phase 2. ANZ Banjo Bank Australia Bank of Queensland Bendigo and Adelaide Bank Ltd Bigstone Lending Commonwealth Bank of Australia Community First Credit Union Limited Credabl Earlypay Fifo Capital Finstro Securities Pty Ltd Flexirent Capital Get Capital Heritage Bank Limited Hume Bank Limited IQumulate Premium Funding Judo Bank Pty Ltd Liberty Financial Metro Finance Pty Ltd Moneytech Finance Moula Money National Australia Bank Limited Prospa Queensland Country Bank Limited / Regional Australia Bank Ltd Social Enterprise Finance Australia Southern Cross Credit Union South West Credit Union Speedy Finance Suncorp-Metway Limited TrailBlazer Finance Unity Bank Volkswagen Financial Services Australia Westpac Banking Corporation Zip Business List of Participating Lenders - Phase 1 The Government approved 44 lenders to participate in the Coronavirus SME Guarantee Scheme Phase 1. The following lenders were approved to participate in the Scheme. Phase 1 of the Scheme commenced on 23 March 2020 and closed for new loans on 30 September 2020. ANZ Australian Mutual Bank Limited Banjo Bank Australia Bank of Queensland Bank of us Bendigo and Adelaide Bank Ltd Commonwealth Bank of Australia Community First Credit Union Credabl Fifo Capital Australia Pty Ltd First Choice Credit Union Get Capital / Goulburn Murray Credit Union Heritage -
Internet Phone Banking Terms and Conditions
BankSA Internet and Phone Banking. Terms and Conditions and Important Information. Effective date: 1 October 2021 This document sets out terms and conditions for BankSA Internet, Mobile and Phone Banking along with important information about these services. This document does not contain all of the terms and conditions that apply to your use of Internet, Mobile and Phone Banking. Further terms and conditions (including information about fees and charges) are set out in the terms and conditions that apply to accounts that you access using Internet Banking and Phone Banking (including Mobile Banking for services available using Mobile Banking). Further information about our products and services is available by visiting our website banksa.com.au Contents. Important Information. ........................................................................................................................................................... 5 Security. ���������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������5 Stopping or altering payments........................................................................................................................................................................................................................5 Scheduled transactions and payments. ����������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������5