Our Directors

Robert Johanson Chairman Independent Director BA, LLM (Melb), MBA (Harvard)
Director for 24 years and appointed as Chairman in 2006. Previously Deputy Chairman for five years. Robert has significant experience in banking and financial services and expertise is corporate strategy, capital and risk management and mergers and acquisitions. He has over 20 years experience in providing independent corporate advice on capital market transactions to a wide range of public and private companies. Robert is a director of Grant Samuel Group Pty Ltd (and subsidiaries), a member of the Takeovers Panel and a director of the Robert Salzer Foundation. Robert is also Deputy Chancellor of the University of Melbourne. Special responsibilities Governance and HR Committee Change Framework and Technology Governance Committee Group and joint venture company directorships Rural Bank Ltd Chairman Homesafe Solutions Pty Ltd

Robert Johanson - Chairman - Bendigo and Adelaide Bank

Robert Johanson
Chairman
Independent Director

BA, LLM (Melb), MBA (Harvard)

Director for 24 years and appointed as Chairman in 2006. Previously Deputy Chairman for five years.

Robert has significant experience in banking and financial services and expertise is corporate strategy, capital and risk management and mergers and acquisitions. He has over 20 years experience in providing independent corporate advice on capital market transactions to a wide range of public and private companies.

Robert is a director of Grant Samuel Group Pty Ltd (and subsidiaries), a member of the Takeovers Panel and a director of the Robert Salzer Foundation. Robert is also Deputy Chancellor of the University of Melbourne.

Special responsibilities

Governance and HR Committee
Change Framework and Technology Governance Committee

Group and joint venture company directorships

Rural Bank Ltd
Chairman Homesafe Solutions Pty Ltd

Mike Hirst Managing Director and Chief Executive Officer B.Com (Melb)
Mike has been an employee of the group since 2001 and was appointed as managing director in 2009. Mike has extensive experience in banking, treasury, funds management and financial markets. Prior to his appointment as managing director, Mike held the position of Chief Executive Retail Bank. Prior to this he held the positions of Chief Operating Office and Chief General Manager Strategy and Solutions. Prior to joining the group, he worked for 11 years in senior executive and management positions with Colonial Ltd. He is a director of Treasury Corporation Victoria, a member of the Australian Government's Financial Sector Advisory Council, a member of the Business Council of Australia and a Councillor of the Australian Bankers' Association. Special responsibilities Risk Committee Credit Committee Group and joint venture company directorships Rural Bank Ltd

Mike Hirst - Managing Director and Chief Executive Officer - Bendigo and Adelaide Bank

Mike Hirst
Managing Director and Chief Executive Officer

B.Com (Melb)

Mike has been an employee of the group since 2001 and was appointed as managing director in 2009. Mike has extensive experience in banking, treasury, funds management and financial markets.

Prior to his appointment as managing director, Mike held the position of Chief Executive Retail Bank. Prior to this he held the positions of Chief Operating Office and Chief General Manager Strategy and Solutions. Prior to joining the group, he worked for 11 years in senior executive and management positions with Colonial Ltd. He is a director of Treasury Corporation Victoria, a member of the Australian Government's Financial Sector Advisory Council, a member of the Business Council of Australia and a Councillor of the Australian Bankers' Association.

Special responsibilities

Risk Committee
Credit Committee

Group and joint venture company directorships

Rural Bank Ltd

Kevin Abrahamson Independent Director B.Sc (Hons), MA, MBA, FAICD, FFin, FAIM
Appointed to the Board in 2007. Appointed to Adelaide Bank Board in 2000. Kevin is an Australian finance sector specialist and consultant. As a specialist in the area of corporate strategy and information technology, he has worked as a consultant to the finance sector since 1997 as the head of KD Abrahamson Consultants. From 1988 to 1997, he held the position of General Manager Group Services with Advance Bank and St George Bank. Kevin was previously a director of Fiducian Portfolio Services Ltd. Special responsibilities Audit Committee Change Framework and Technology Governance Committee

Kevin Abrahamson - Independent Director - Bendigo and Adelaide Bank

Kevin Abrahamson
Independent Director

B.Sc (Hons), MA, MBA, FAICD, FFin, FAIM

Appointed to the Board in 2007. Appointed to Adelaide Bank Board in 2000.

Kevin is an Australian finance sector specialist and consultant. As a specialist in the area of corporate strategy and information technology, he has worked as a consultant to the finance sector since 1997 as the head of KD Abrahamson Consultants.

From 1988 to 1997, he held the position of General Manager Group Services with Advance Bank and St George Bank. Kevin was previously a director of Fiducian Portfolio Services Ltd.

Special responsibilities

Audit Committee
Change Framework and Technology Governance Committee

Jenny Dawson Independent Director B.Bus (Acc), FCA, MAICD
Appointed to the Board in 1999. Jenny spent 10 years with Arthur Andersen in the audit and IT controls division. Jenny has experience in the areas of financial reporting and audit, IT internal control reviews, internal audit and risk management. Jenny is a Director of Goulburn-Murray Water, a member of the Victorian Regional Development Advisory Committee and former Director of Coliban Region Water Corporation. She is also the inaugural Chairman of the Regional Development Australia Committee for the Loddon Mallee Region. Special responsibilities Chair Audit Committee Credit Committee Group and joint venture company directorships Chair Sandhurst Trustees Limited Community Sector Banking Pty Ltd Community Sector Enterprises Pty Ltd

Jenny Dawson - Independent Director - Bendigo and Adelaide Bank

Jenny Dawson
Independent Director

B.Bus (Acc), FCA, MAICD

Appointed to the Board in 1999.

Jenny spent 10 years with Arthur Andersen in the audit and IT controls division. Jenny has experience in the areas of financial reporting and audit, IT internal control reviews, internal audit and risk management.

Jenny is a Director of Goulburn-Murray Water, a member of the Victorian Regional Development Advisory Committee and former Director of Coliban Region Water Corporation. She is also the inaugural Chairman of the Regional Development Australia Committee for the Loddon Mallee Region.

Special responsibilities

Chair Audit Committee
Credit Committee

Group and joint venture company directorships

Chair Sandhurst Trustees Limited
Community Sector Banking Pty Ltd
Community Sector Enterprises Pty Ltd

Jim Hazel Independent Director B.Ec, FFin
Appointed to the Board in 2010. Jim is a prominent South Australian businessman with significant banking experience and knowledge of the regional banking industry. Jim was the chairman of our majority-owned subsidiary Rural Bank and continues as a non-executive director of Rural Bank. Jim is chairman of RED Fund Management Pty Ltd. He also serves as a Director on the boards of Impedimed Limited, Motor Accident Commission, Coopers Brewery Limited, Precision Group and Centrex Metals Limited, and is a board member of the Council on the Ageing (SA) Inc. and War Veterans’ Homes (Myrtle Bank) Inc. During the 1990’s Jim was Chief General Manager of Adelaide Bank. Special Responsibilities Credit Committee Risk Committee Governance & HR Committee

Jim Hazel - Independent Director - Bendigo and Adelaide Bank Jim Hazel
Independent Director

B.Ec, FFin

Appointed to the Board in 2010.

Jim is a prominent South Australian businessman with significant banking experience and knowledge of the regional banking industry. Jim was the chairman of our majority-owned subsidiary Rural Bank and continues as a non-executive director of Rural Bank.

Jim is chairman of RED Fund Management Pty Ltd. He also serves as a Director on the boards of Impedimed Limited, Motor Accident Commission, Coopers Brewery Limited, Precision Group and Centrex Metals Limited, and is a board member of the Council on the Ageing (SA) Inc. and War Veterans’ Homes (Myrtle Bank) Inc.

During the 1990’s Jim was Chief General Manager of Adelaide Bank.

Special Responsibilities

Credit Committee
Risk Committee
Governance & HR Committee

Jacqueline Hey Independent Director B.Com (Melb); Assoc Dip (Marketing)
Appointed to the Board in 2011. Jacquie has extensive experience in the areas of telecommunications, marketing and sales, including as CEO of Ericsson in the UK and in Australia. She worked with Ericsson for more than 20-years in finance, marketing, sales and leadership roles in Australia, Sweden, the UK and the Middle East. Jacquie is a director of Special Broadcasting Service (SBS) and an Honorary Consul of Sweden for Victoria. Special responsibilities Risk Committee Audit Committee Change Framework & Technology Governance Committee

Jacqueline Hey - Independent Director - Bendigo and Adelaide Bank

Jacqueline Hey
Independent Director

B.Com (Melb); Assoc Dip (Marketing)

Appointed to the Board in 2011.

Jacquie has extensive experience in the areas of telecommunications, marketing and sales, including as CEO of Ericsson in the UK and in Australia. She worked with Ericsson for more than 20-years in finance, marketing, sales and leadership roles in Australia, Sweden, the UK and the Middle East.

Jacquie is a director of Special Broadcasting Service (SBS) and an Honorary Consul of Sweden for Victoria.

Special responsibilities

Risk Committee
Audit Committee
Change Framework & Technology Governance Committee

David Matthews Independent Director Dip BIT, GAICD
Appointed to the Board in 2010. David has experience in small business and agri-business. David has involvement in a number of agricultural industry bodies including as a director of Pulse Australia and Australian Field Crops Association David was an innovative pioneer in the early days of the Community Bank® network, chairing the first Community Bank® company in Rupanyup and Minyip and serving as a director since 1998. David has a strong connection to regional communities. David is currently a co-chairman of the Community Bank® Strategic Advisory Board. David is also a Director on the board of Pulse Australia and Australian Field Crops Association. Special Responsibilities Credit Committee Audit Committee

David Matthews - Independent Director - Bendigo and Adelaide Bank David Matthews
Independent Director

Dip BIT, GAICD

Appointed to the Board in 2010.

David has experience in small business and agri-business. David has involvement in a number of agricultural industry bodies including as a director of Pulse Australia and Australian Field Crops Association

David was an innovative pioneer in the early days of the Community Bank® network, chairing the first Community Bank® company in Rupanyup and Minyip and serving as a director since 1998. David has a strong connection to regional communities.

David is currently a co-chairman of the Community Bank® Strategic Advisory Board. David is also a Director on the board of Pulse Australia and Australian Field Crops Association.

Special Responsibilities

Credit Committee
Audit Committee

Terry O'Dwyer Independent Director B.Com, Dip Adv Acc, FCA, FAICD
Appointed to the Board in 2000. Terry is the former chairman and managing director of BDO Kendalls (Chartered Accountants). He was a partner in the firm for 28 years and headed the corporate finance division prior to being appointed its independent chairman. Terry is a chairman of Metal Storm Ltd and a director of Queensland Theatre Company Ltd, Backwell Lombard Capital Pty Ltd and Retravision Southern Ltd. He has previously served on other public company boards and government business enterprises. Special responsibilities Chair Change Framework and Technology Governance Committee Audit Committee Risk Committee

Terry O'Dwyer - Independent Director - Bendigo and Adelaide Bank

Terry O'Dwyer
Independent Director

B.Com, Dip Adv Acc, FCA, FAICD

Appointed to the Board in 2000.

Terry is the former chairman and managing director of BDO Kendalls (Chartered Accountants). He was a partner in the firm for 28 years and headed the corporate finance division prior to being appointed its independent chairman.

Terry is a chairman of Metal Storm Ltd and a director of Queensland Theatre Company Ltd, Backwell Lombard Capital Pty Ltd and Retravision Southern Ltd.

He has previously served on other public company boards and government business enterprises.

Special responsibilities

Chair Change Framework and Technology Governance Committee
Audit Committee
Risk Committee

Deborah Radford Independent Director B.Ec, Grad Dip Finance & Investment
Appointed to the Board in 2006. Deb is an economics graduate with experience in both the public and private sector. Deb has 20 years experience in the banking industry with both international and local banks. Following seven years with the Victorian State Treasury, she ran her own consulting business between 2001 and 2007 advising the government on commercial transactions. Deb is a director of Forestry Tasmania and City West Water. Special responsibilities Chair Credit Committee Change Framework and Technology Governance Committee Governance and HR Committee

Deborah Radford - Independent Director - Bendigo and Adelaide Bank

Deborah Radford
Independent Director

B.Ec, Grad Dip Finance & Investment

Appointed to the Board in 2006.

Deb is an economics graduate with experience in both the public and private sector. Deb has 20 years experience in the banking industry with both international and local banks.

Following seven years with the Victorian State Treasury, she ran her own consulting business between 2001 and 2007 advising the government on commercial transactions.

Deb is a director of Forestry Tasmania and City West Water.

Special responsibilities

Chair Credit Committee
Change Framework and Technology Governance Committee
Governance and HR Committee

Tony Robinson Independent Director B.Com (Melb), ASA, MBA (Melb)
Appointed to the Board in 2006. Tony is the managing director of Centre Point Alliance Ltd and has significant experience in the financial services sector including wealth management and insurance. Tony was employed as the executive director and chief executive officer of IOOF Holdings Ltd (IOOF) from 2007 until April 2009. Tony was previously the managing director and chief executive officer of OAMPS Ltd and director of VECCI. Tony’s other previous management positions include joint managing director of Falkiners Stockbroking, managing director of WealthPoint, chief financial officer of Link Telecommunications and general manager corporate services at Mayne Nickless. Special responsibilities Chair Risk Committee Chair Governance and HR Committee

Tony Robinson - Independent Director - Bendigo and Adelaide Bank

Tony Robinson
Independent Director

B.Com (Melb), ASA, MBA (Melb)

Appointed to the Board in 2006.

Tony is the managing director of Centre Point Alliance Ltd and has significant experience in the financial services sector including wealth management and insurance. Tony was employed as the executive director and chief executive officer of IOOF Holdings Ltd (IOOF) from 2007 until April 2009. Tony was previously the managing director and chief executive officer of OAMPS Ltd and director of VECCI.

Tony’s other previous management positions include joint managing director of Falkiners Stockbroking, managing director of WealthPoint, chief financial officer of Link Telecommunications and general manager corporate services at Mayne Nickless.

Special responsibilities

Chair Risk Committee
Chair Governance and HR Committee