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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 -
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. -
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 -
Teachers Mutual Bank, We Most Ethical Companies Competitive and the Lowest Are a Purpose-Driven Bank, Designation Recognises Those Rate Offered by Us in 40 Years
Term 2 2015 CONTAct tmbank.com.au to the Term 2 Welcome edition of Contact Welcome back to Term 2, 2015. Mutual Bank is one of three lowest home loan2 rate in Andrew Cosgrove on 40 years. Teachers Mutual I hope you had an enjoyable, honourees in the National [email protected] Banks category and one of Bank has cut rates across all of relaxing break and are looking Best wishes, only two Australian companies its fixed home loan products. forward to the term ahead. honoured overall. The World’s Our 3-year rate is highly At Teachers Mutual Bank, we Most Ethical Companies competitive and the lowest are a purpose-driven bank, designation recognises those rate offered by us in 40 years. ensuring that our profits do organisations that have had Visit tmbank.com.au/home- good in the world. We lead by a material impact on the way loans for more information. Renae Burdack example and are committed business is conducted by Whether you are considering to being a responsible fostering a culture of ethics buying your first home, business, as we believe it’s and transparency at every upgrading to a bigger home, the way business should be level of the company. Being refinancing or investing, a run, and that it should be a second year honouree mobile lender can assist you driven by ethics. underscores Teachers Mutual in finding a loan to suit your We are proud to announce Bank’s commitment to leading budget and requirements. that Teachers Mutual Bank ethical business standards and Should you or the staff at your has been recognised by the practices ensuring long-term school require a visit or some Ethisphere Institute as one value to key stakeholders. -
Fastrefi Approved Lenders
Electricity Credit Union - now trading as ECU Australia Ltd Encompass Credit Union - now trading as Select Encompass Credit Union Endeavour Mutual Ericsson Credit Union - now trading as First Option Credit Union Ltd Eurobodalla Credit Union - now trading as Horizon Credit Union Ltd FCCS Credit Union Fire Brigades Employees Credit Union - now trading as Firefighters Mutual Bank Fire Service Credit Union Firefighters & Affiliates Credit Co-operative Firefighters Mutual Bank First Choice Credit Union - Orange First Option Credit Union Ltd FASTRefi Approved Lenders Fitzroy and Carlton Community Credit Co-operative Ltd - now trading as Bank Australia Ford Co-operative Credit Society Ltd G & C Mutual Bank Adelaide Bank Gateway Bank Advantage Australian Credit Union - now trading as Credit Union Australia Gateway Credit Union GMH (Employees) Q.W.L Credit Co-operative - now trading as Big Sky Credit (CUA) Union Alcoa Credit Union - now trading as AWA Alliance Bank Goldfields Credit Union - now trading as Goldfields Money Ltd AMP Employees & Agents Credit Union Ltd - now trading as G & C Mutual Bank Goldfields Money Ltd AMP Limited Gosford City Credit Union - now trading as Maritime, Mining & Power Credit Union Ltd ANZ - Australia and New Zealand Banking Group Goulburn Murray Credit Union Co-operative (GMCU) Austral Credit Union Ltd - now trading as People's Choice Credit Union Greater Bank Ltd Australian Central Credit Union - now trading as People's Choice Credit Union Heritage Bank Ltd Australian Country Credit Union Ltd - now trading as Reliance -
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. -
Conditions of Use—Accounts and Access
Conditions of Use Accounts and Access Important information How our Conditions of Use Who we are become binding on you Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian By opening an account or using an Credit Licence 238981. access facility you become bound by these Conditions of Use. In this document, “the Bank”, “we”, “us” and “our” means Teachers Accessing copies of this document Mutual Bank Limited; and “you” Please keep this document in a safe means a person with one or more place so you can refer to it when of our products or services. needed. Alternatively, you can view Please note: You may not be eligible and download it from our website. for all products and services. The Financial Claims Scheme In the unlikely event that a bank, Customer Owned Banking credit union or building society fails, Code of Practice the Australian Government may activate We warrant that we will comply with its guarantee scheme known as the the Customer Owned Banking Code Financial Claims Scheme (FCS). This of Practice. Please see the section enables account holders to have quick About the Customer Owned Banking access to their deposits which are Code of Practice at the end of these protected under the FCS. Funds are Conditions of Use for more details. protected to a maximum of $250,000 for each account holder per institution. ePayments Code In the case of joint accounts, each account holder is entitled to a maximum We warrant that we will comply with of $250,000. the ePayments Code. Please note that, as stated, the FCS Privacy guarantee is per account holder per institution. -
Teachers Mutual Bank Issues $100M Ethical Bond - an Australian Banking First
Teachers Mutual Bank issues $100m ethical bond - an Australian banking first Teachers Mutual Bank Ltd (TMBL) issued A$100 million of three-year notes, the first ethical bond from a mutual bank in Australia. TMBL became the first Australian financial institution to have its entire wholesale debt issuance programme ethically certified by the Responsible Investment Association of Australia (RIAA) in August 2015, and became a formally recognised Certified Ethical Bank. The issuance of A$100m three-year notes was at 140 basis points over the three-month bank bill swap rate (BBSW), at the tight end of 140-145 basis points over BBSW price guidance. The bonds were placed domestically to 39 accounts. Fund managers made up 41 per cent, authorised deposit-taking institutions (ADIs) at 38 per cent and middle-market accounts at 21 per cent. “This is the first certified ethical investment wholesale cash product in Australia, and the certification attracted wider investor interest in the bank than we have seen before. A number of ethical themed funds, participated for the first time, although their contribution was not a major proportion of the book. There was no price premium for the ethical aspect of the debt” said Glenn Sargeant, CFO at Teachers Mutual Bank. “The whole premise of our business is to act responsibly and ethically within our mandates. In the end, all of our funding activities should be ethical anyway. Its not just about how we complete our funding objectives but also how we conduct our business”. As a member-owned bank, Teachers Mutual Bank has always had a strong ethical banking and sustainability record. -
Absa Bank (South Africa)
The Companies Listed under the Consortium for Next Gen ATMs ABA (American Bankers Association) Absa Bank (South Africa) Access Cash General Partnership (EZEE ATM) ACG ACI Worldwide ATEFI AIB (Allied Irish Banks) Akbank (Turkey) Altron Bytes Managed Solutions Aman (Palestine) ANZ Argotechno ATB Financial ATEFI ATM24 ATM CLUB Atima ATMIA ATM Security Association Auriga Australian Technology Management Pty Ltd Axis Communications AB 1 Bank of America Bank of Hawaii Bank of Montreal Bank of South Pacific Bank Permata BANTAS A.S Banktech (Australia) Barclays Bank BBVA Belfius Bank & Verzekeringen Bitstop Blanda Marketing & Public Relations BMO Financial Group BOSACH Technologies & Consulting Pvt. Ltd. BVK Capital One Cashflows Cashway Technology Co., Ltd. Capital One Bank Capitec Bank Cardtronics Cash and Card World Ltd Cash Connect® – ATM Solutions by WSFS Bank Cash Infrastructure Projects and Services GmbH Cashware Cecabank CIBC (Canadian Imperial Bank of Commerce) Citibank Citizens Bank CMS Analytics Coast Capital Savings Credit Union 2 Columbus Data Comerica Bank Commonwealth Bank of Australia Convergint Technologies CO-OP Financial Services CR2 Culiance Cummins Allison Cyttek Group Desjardins Dgiworks Technology (Turkey) Diebold-Nixdorf dormakaba USA Inc DPL Eastern Carolina ATM Eastman Credit Union EFTA Elan Financial Services Electronic Payment & Services (Pty) Ltd Embry Consulting, LLC Emirates NBD Euronet Worldwide EuroTechzam S.A. EVERTEC, Inc – US EVERI EVO Payments Faradis Alborz Corp First American Payment Systems First Data First National Bank of South Africa FISERV 3 FIS Global (Fidelity National Information Services) Fujitsu Ten España G4S GCB Bank (Ghana) General Dynamics Mission Systems Genmega GMR GMV Gorham Savings Bank GPT Great Southern Bank GRG Banking Gunnebo Gunnebo India Private Ltd Heritage Bank Hitachi Europe Hitachi-Omron Terminal Solutions, Corp. -
Customer Report from 2015-16
Customer Report 2015/2016 1 Heritage Bank Limited • Customer Report 2015/16 Heritage Bank Limited ABN 32 087 652 024. AFSL and Australian Credit Licence 240984. Customer Report 2015/2016 Contents Chairman’s Report ....................................................3 Auditors CEO’s Report ...............................................................5 Ernst & Young Heritage Board & CEO .............................................7 Registered Office Heritage Bank Limited About Heritage ..........................................................8 6th Floor 400 Ruthven Street Toowoomba Qld 4350 Australia The Customer Owned Advantage .......................9 Postal Address Putting Customers First .......................................11 P.O. Box 190 Toowoomba Qld 4350 Australia Putting Communities First .................................13 Contact Details Putting Staff First ..................................................15 Telephone (07) 4690 9000 International 61 7 4690 9000 Evolving Our Business ..........................................18 Internet www.heritage.com.au Contact Centre 13 14 22 Financial Highlights ..............................................21 Heritage Access Line 13 14 72 Heritage Bank Limited • Customer Report 2015/16 2 Chairman’s Report As a mutual financial institution, Most Satisfied Customers award in the Heritage Bank is committed to meeting Challenger Bank category across Australia. the needs of our members. That means We took out the 2016 Mozo People’s not only providing them with great value Choice Award for