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Reevant.AnnualReviewBendigoandAdelaideBankbelievespartneringwiththecommunityisintrinsictothewayinwhichweconductourbusiness.TheBankbelievessuccessfulcustomersandsuccessfulcommunitiescreateasuccessfulbankbutonlyinthatorder.Thisisourpointofdifferencethisiswhatsetsusapartfromotherbanksandthisiswhatmakesusagenuinealternative.Contributingtothecommunitiesweserveistherightthingtodoanditalsomakesgoodbusinesssense.TheBankanditspartnersarepartofauniquebankingmovementwhichhasevolvedintoawholenewwayofthinkingaboutorganisingandstrengtheningcommunities.Togetherwehavereachednewheightsandachievedmanygreatsuccesses.Thishasbeenunderpinnedbyourcommitmentanddedicationtothecustomersweserveandcommunitiesweareapartof.Sincethenetworkwasestablishedin1998morethan76millionhasbeendistributedbacktolocalcommunitiesincluding58milliontosupportlocalgroupsandprojectsand18millionpaidinshareholderdividends.Allofthisequatestonewcommunityfacilitiesbetterhealthcareincreasedtransportservicesandgenerallyspeakingmoreprosperouscommunities.Andthentheresalsotheknock-oneconomicimpacttoconsider.TheBankisintheprocessofquantifyingthisgurebutthepracticaloutcomesareobviousweseeitintenantedshopsincreasedconsumertrafcretainedlocalcapitalandnewjobs.ProsperousandinclusivecommunitiesaregreatplacesinwhichtodobusinessresultinginarobustandsustainableearningsoutlookfortheBank.Themodelisuniqueandsuccessful.Itsoneofourmajorpointsofdifferenceandenablesustoconnectwithmorethan550000customersinexcessof270communitiesandmakeadifferenceinthelivesofcountlesspeople.Weareproudofthemodelwehavedevelopedandwereverythankfulfortheopportunitytopartnerwithcommunitiestohelpbuildtheirnancialandcommunitybalancesheets.Morethan58millioninrevenuereturnedtosupportcommunitygroupsandprojectssinceinceptionin1998.68379shareholderswhohavebeenpaidmorethan18millionindividendssinceinception.276brancheswith16newbranchesthisyear.1411peopleemployedbythenetwork.1740volunteerDirectors.overreturnedtothe162011OurPartnersCommunityBankNetworkCommunityBankCommunityBankCommunityBankCommunityBankCommunityBankCommunityBankCommunityBank58millioncommunity