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Reevant.AnnualReviewTheBankrecognisesthatitsdailybusinessactivitieshaveanimpactontheenvironmentandweunderstandourgreenreputationwillplayakeyroleinourfuturesuccessandthatofthecustomersweserveandcommunitieswepartner.InadditiontothegreenproductsandservicestheBankalreadyoffersitscustomersandthewidercommunitywehavelaunchedourStatementofCommitmenttotheEnvironment.Allofourpeoplesupportthiscommitmentandpromisetoactivelyidentifyopportunitieswhichreduceourenvironmentalfootprintandassistourcustomerspartnersshareholdersandcommunitiestoidentifyopportunitieswhichreducetheirenvironmentalfootprint.Wewillconsidertheenvironmentinallrelevantbusinessdecisionsandcommittomeasureandreportourprogressasweacttoachievethesegoals.WeunderstandwerejustonecompanymadeupofmanypeoplebutwithaunitedcommitmenttogetherwecanhelpmakeourEarththehealthiestitcanbe.Thisiswhatwebelieveanditswhatwecommittoitsourfuture.ToensurewecandeliveronourcommitmenttotheenvironmenttheBankhasestablishedanEnvironmentWorkingGrouptoexamineeveryaspectofwhatwedotheimpactithasontheenvironmentandhowthroughsimplechangeswecandoabetterjob.Thiswillnotonlyreduceourenvironmentalimpactbutalsomakeusamoreefcientorganisation.200tonnesofpaperandcardboardrecycledbyourpeople.4462VictorianbusinessesparticipatedintheGenerationGreenEnergySaverInitiative.19037tonnesofgreenhousegasemissionssavedthroughtheEnergySaverInitiative.2000VictorianhouseholdsparticipatedinfreeHomeEnergyAssessmentsresultinginmorethan800retrotpackages550solarpanelsystemsand230solarhotwatersystems.100employeesparticipatedintheEco-DrivingTrialwhichaimstoincreaseefciencyandreduceemissions.committedtotheStatementofcommitmenttotheEnvironmentThereforeMikeHirstRussellJenkinsMarnieBakerDennisBiceRichardFennellJohnBillingtonTimPiperAndrewWattsStellaThredgold222011OurPartnersEnvironmentandSustainabilityenvironmentBendigoandAdelaideBankiscommittedtomakingapositivecontributiontothecommunitiesinwhichitoperates.Ourplanetismadeupofmanysuchcommunities.Forthatreasonactinginthebestinterestsoftheenvironmentjustmakessense.Wecommittoactivelyidentifyopportunitiestoreduceourenvironmentalfootprint.Wewillassistourstaffcustomerspartnersshareholdersandcommunitiestoidentifyopportunitiestoreducetheirenvironmentalfootprint.Wewillconsidertheenvironmentinallrelevantbusinessdecisions.Wecommittomeasureandreportourprogressasweacttoachievethesegoals.Workingtogetherwecanallmakeadifference.ManagingDirectorCustomerandCommunityBankingandWealthRetailFinanceandTreasuryWealthandThirdPartyBankingGroupRiskChangeCorporateResources