Through impact finance and together with our customers, we’re disrupting the notion that values and banking are mutually exclusive.
Using finance
for impact
What is impact finance?
Impact finance is how we contribute to a world where people and the planet thrive – through the people, businesses and projects that we lend to and invest in.
Where you put your money matters
Impact finance is how we put your money where it matters. It's rewarding customers for choosing to build or renovate an energy efficient home. It's finding new homes for people living with a disability. It’s backing developers that are building accessible and net zero homes. It’s supporting Aboriginal and Torres Strait Islander customers on their home ownership journeys.
Above: The Great Ocean Road, VIC
How impact finance works
We're guided by our responsible banking policy, which sets out what we do and don’t lend to. This helps us focus on people and businesses working towards a future of clean energy, inclusive housing, and not-for-profits.
Here are some examples of the kinds of work we do:
Inclusive and accessible housing
We lend to community housing providers to help them build affordable and social housing for people who need it, and specialist disability accommodation providers that build accessible homes for people with complex care needs.
Not-for-profits and for-purpose businesses
We lend to not-for-profit and for-purpose community and business customers who provide vital services and advocacy in areas like disability support, education and environmental conservation.
Clean energy transition
We help customers to make sustainable choices, like using our Clean Energy Home Loan to buy or build a home with a low impact on our environment or developers build apartments that don’t fuel the climate crisis.
Our customers
We help first home buyers get into the market, through schemes like the First Home Guarantee, Family Home Guarantee and the Victorian Homebuyer Fund.
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Other banks and government bonds
We invest in green and sustainability bonds to align our investments with our values wherever we can. This funds projects like low carbon transport and wind farms.
Why Impact Finance?
Banking with values
Clean money at work
Impact finance brings responsible banking to life. Who we do business with, and why, matters.
Industry expertise
Impact finance is led by experts in fields including affordable housing and clean energy transition.
Sustainable goals
We align impact finance with the United Nations sustainable development goals. These set a global blueprint to achieve a better and more sustainable future for all.
Negative screens
We use ‘negative’ screens in our assessment of loan applications to make informed decisions about who we lend money to.
B Corp certified
As a certified B Corporation, we meet the highest standards of verified social and environmental performance, public transparency, and legal accountability.
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Bank Australia is a member of IBA's banking panel
How Jodie bought her family home
Jodie is a proud Gunditjmara woman who refinanced her loan with us through IBA (Indigenous Business Australia). We're proud to be supporting IBA customers on their home ownership journeys.
Impact by numbers
We have $1.8B of assets that are helping people and the planet thrive.