Climate change
The collective risks and opportunities posed by droughts, fires, floods and other physical changes in the climate. We also look at how the Bank and our stakeholders respond to transitional changes
Nature
The risks and opportunities by our shared reliance on aspects of the physical world, such as plants, animals and landscapes. This includes the services they provide, such as resources, clean air and pollination.
Sustainable financing
Lending activity that considers environmental, social and governance factors. It helps manage related risks and opportunities, such as adaptation to, and mitigation of, climate change.
Community engagement and impact
Connecting and partnering with communities to invest in their future. We empower local leadership and listen to community needs. It can include sponsorship, volunteering, engagement, disaster relief and upskilling.
Customer experience and wellbeing
The practice of offering banking services that are simple, relevant and personalised. We aim to meet individual customer needs and drive satisfaction. This ensures everyone has access to banking products and support.. We strive to enable the financial wellbeing of our customers, regardless of background or circumstances.
Thriving communities
Enabling the social and economic prosperity of Australian communities through the broader social impacts of banking. Banking plays a role by providing financial support and helping businesses succeed.
Diversity and inclusion
Building a diverse and inclusive workplace that reflects our customer base. This allows us to serve our customers and grow our people. A focus on diversity and inclusion supports the achievement of the Bank's goal of fostering thriving and prosperous communities.
Reconciliation and Aboriginal & Torres Strait Islander Australians
Supporting local community-led organisations is core to who we are. Our purpose is to feed into the prosperity of our communities and not off them. This includes promoting and practicing respect. This also includes building relationships and investing in development opportunities with, and for, Aboriginal and Torres Strait Islander employees, customers and communities.
Employee culture and development
Enriching our employees’ experience. We do this through the Bank’s culture, purpose and values. We provide relevant opportunities for learning and development. These include digital upskilling and education around sustainability risk and opportunities.
Employee safety and wellbeing
Ensuring our practices, values and behaviours support the health and safety of our people. We do this by building engagement and encouraging employees to speak up. This helps protect our employees’ physical, mental and social wellbeing.
Modern slavery
Modern slavery can occur in many forms. These can include human trafficking, forced labour, debt bondage and deceptive recruitment. Banks support economies globally and risk enabling or being complicit in the abuse of human rights and modern slavery. This can be through their operations, supply chain or the provision of banking services.
Responsible sourcing and partnerships
Understanding, disclosing and managing sustainability risks in the Bank’s value chain. This includes a focus on driving positive environmental and social outcomes. We do this by engaging and partnering with businesses that align to the Bank’s values.
Governance, conduct and ethics
At all levels we build and maintain an ethical culture of integrity, transparency and accountability. We do this through policies, systems and leadership. Proper training is provided to prevent misconduct and enable whistleblowing. We also focus on risk management and leveraging remuneration to drive our objectives. We empower our people to effectively govern our business.
Data privacy and security
We protect critical and sensitive data of our customers, people and business from cyber attacks. This includes the appropriate use and sharing of data. We invest in people, processes and technology, and implement governance and controls to support this.
Digital transformation and innovation
The integration of digital technology into all areas of the Bank. This changes how we operate and deliver value to our customers. We will continue to improve, innovate and differentiate through trusted data and analytics.
Financial crime risk
Proactively managing the risks and incidences of financial crime for our customers and the Bank. This is done by investing in appropriate systems and processes to minimise the negative impact of risks and incidents.
Responsible lending and investment
Ensuring the Bank considers the social and environmental impacts of our loans and investments. We consider the impact on people and the environment. For example, ensuring a customer is not issued a credit product that is not suitable for them. We look at environmental, social and governance factors, in addition to financial returns, when investing funds.
