Impact Term Deposit
2026 Impact Report

How you're contributing to change

Our Impact Term Deposit provides funding to support lending across specific environmental and social impact areas.

Here are the ways you’re contributing to change through investing in an Impact Term Deposit:

Total value of Impact Term Deposits invested

24.4

‍

million

(backed by a total $411 million pool of assets)

411

million

Impact of the total pool of eligible assets – at a glance

Environmental impact areas

Green homes

Supporting the decarbonisation of Australian homes through the build, purchase, or upgrade of homes with energy efficiency and renewable energy features and improvements.

88 energy efficient green homes supported, that collectively achieve:

8.4 star average NatHERS rating.

428kW of total solar PV capacity across 35 systems installed.

Over 30 energy efficiency upgrades installed, including: battery storage, hot water heat pumps, air conditioning systems, induction cooktops, ceiling fans, electric vehicle charging, and other energy efficiency improvements.

These 88 homes are on average 25% less emissions intensive than a than a typical Bank Australia Limited-funded home.

Land conservation and restoration

Supporting projects that protect, restore or sustainably manage land and marine ecosystems.

2 loans focused on landscape protection, restoration and long-term stewardship of more than 32,000 hectares of wetlands, floodplains and native vegetation.

1 of these loans supports a First Nations-led environmental stewardship and cultural land management initiative.

Carbon reduction or capture projects

Financing activities that reduce or capture carbon emissions to help mitigate against the impacts of climate related risks, including extreme heat, drought, fire and flooding.

Supported a 1,540-hectare carbon project expected to store approximately 260,000 tCO2-e^ over the life of the project through avoided deforestation and biodiverse reforestation activities.

^{^Metric tonnes of carbon dioxide equivalent}

Social impact areas

Affordable housing

Supporting 830 people on low and moderate incomes buy their own homes through government-backed programs.

Commercial loans to 4 community housing providers to build, acquire or operate 157 homes (82 existing or fully constructed, and 76 under construction).

Over 270 people given access to safe, appropriate, and affordable housing.

Accessible housing

Supporting high-quality housing projects for people with complex care needs, contributing to their empowerment and inclusion.

Supported the construction, purchase, and or ongoing operation of 13 specialist homes* with capacity to accommodate 25 people with disability.

^{*5 are existing or fully constructed, 2 are under construction.}

First Nations economic empowerment

Building industry in or for First Nations communities and delivering products and services for First Nations people, providing economic opportunity, health, wellbeing and cultural benefits for First Nations people and communities.

Supported First Nations ownership of a
300-hectare productive agricultural enterprise, creating employment, training and career opportunities for the Bidyadanga Aboriginal Community.

How we calculate this impact

To read the reporting methodologies and processes we use to calculate this impact, refer to appendix 4 of the full 2026 impact report.

These asset categories contribute to three UN Sustainable Development Goals (SDGs) including SDG10 Reduced Inequalities, SDG11 Sustainable Cities and Communities, and SDG15 Life on Land.

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What do our customers think?

Bank Australia customer, Ruby, lives in Melbourne’s inner west. Ruby was attracted to the idea that her money could support positive change.

"I just opened the account and transferred the money in. I can still log into my mobile banking app and it shows up there, as well as in my financial summaries."

"I put $500 in to start with, and it has put me on track for longer-term savings."

‍She also highlighted how simple it is to open and set up the account:

“I’m not doing anything outside of my everyday banking, and it’s good to see that Bank Australia is following through on its commitments and that these initiatives are being put into action."

How nature Glenelg Trust is restoring wetlands, helping brolgas, frogs and other native species.

In the south-eastern corner of Australia, Nature Glenelg Trust (NGT) has spent 15 years restoring the natural landscape, including through buying and restoring former agricultural land.

The eligible asset pool supported by Impact Term Deposits included the loan funding NGT's stage two Wirey Swap Restoration Reserve project.

Read the full case study

How the Australian Government Help to Buy Scheme helped Jasper buy his first home.

For many young Australians, the path to home ownership can feel out of reach. This was true for Bank Australia customer Jasper, until he discovered the Australian Government’s Help to Buy Scheme could help him purchase his “dream home” in North Melbourne.

The eligible asset pool supported by Impact Term Deposits included the loan for Jasper’s home, and other loans to support more than 800 Bank Australia customers to purchase their own home with the support of a government-sponsored affordable housing program.

Read the full case study