2012 SEGRA NATIONAL

CONFERENCE

The Community Bank® model

Developed in 1998 in response to closure of bank branches (over 2,000 closures nationally)

• 295 Community Bank® branches across Australia today (all states and territories)

• 20 Community Bank® branches nationwide open every year

• Community Bank® branches provide full banking services

• Local company formed and acquires bank franchise

• Bendigo Bank provides banking infrastructure

• Community Bank® branch retains half of the income

• 80 per cent of its profit to the community and up to 20 per cent to its shareholders

What is Community Banking?

Community Outcomes and

Business Growth

• More than $80 million nationally invested back into communities

• Approximately $20 million (and growing) in dividends

• Over 70,000 Shareholders (and growing)

• Over $16 billion in business within the Bendigo network

• Over 1830 Community Bank® directors

• Over $100 million in expenses spent within the communities

Community Bank® delivers … • retained local capital

• assured local competitive landscape

• improved local confidence

• enhanced local collaboration and co-operation

• strengthened community commitment

• acknowledged community champions

• enhanced Community Balance Sheet

much improved prospects of a sustainable

community

Community Partnership

Forums

Community Bank ®

contributions to community

outcomes

Successful Customers

Successful Communities

Successful Bank