Reporting Our Performance

Information on our financial results, annual general meeting, sustainability policy and other disclosures. 

Couple comparing bank accounts
Member Report 2019-2020
Read our latest Member Report, with updates from our CEO and Chairman and information on our newly created Environmental, Social and Governance (ESG) framework. 
Heritage Bank Staff Member
Financial Report 2019-2020

Read our latest Financial Report including our Director's Report, Financial Statements and Independent Auditor's Report.

Customer-owned Banking
Customer-owned Banking
Heritage Bank is owned by our customers, not shareholders. So instead of pursuing massive profits, our focus is on putting People First. 
The customer-owned advantage

"With more than $10.7b in total assets, we are Australia's largest customer-owned bank"

Heritage Bank Member Report 2019/20, page 10
Our Policies
Our Policies
We operate under a constitution and recognise the importance of embedding sustainable and ethical business practices in our operations. 
Environmental, Social and Governance Policy
We have a responsibility to be guardians of our members' financial futures and our commitment to this is outlined in our ESG Policy.
Heritage operates under a constitution. View our constitution to learn more about Heritage and how we operate.
Whistleblowers Protection Policy
We place great importance on fostering a culture that encourages staff and others to speak up about issues and conduct that concern them.
Financial Information
Financial Information
Prudential Information
See our latest Basel III Pillar 3 Disclosure - Prudential Standard APS 330 report and our historical prudential information.

"Rather than seeking massive profits, our goal is to give customers a better overall deal."

Heritage Bank Member Report 2019/20, page 17
Annual General Meeting

We invite our members to attend our Annual General Meeting (AGM), to hear firsthand about our performance and future plans for the Bank. At these meetings, members have the opportunity to raise matters with the Board of Heritage and ask questions of our current external auditor regarding the Auditor's Report. The AGM is generally held in October each year and announced here prior to the event.

The 2020 Annual General Meeting was held on October 28, 2020.

Member Commitment
Our commitment to our members
We support our members, and their wider communities, by making a positive difference through a diverse range of community and charitable initiatives.
Member Commitment
We reward our members for their loyalty and we're committed to helping our members through good times and times of hardship.
Heritage Bank OzHarvest Launch
Heritage in the Community 

Visit Heritage in the Community to see the community initiatives we're supporting, including OzHarvest and the annual Heritage Bank Photographic Awards.