2016 yearbook

real solutions that deliver real impact

acknowledgment of countryCommunity Sector Banking respectfully acknowledges the traditional owners of the country throughout Australia and recognises their continuing connection to lands, waters and community. We pay our respect to them and their cultures; and to elders both past and present. Aboriginal and Torres Strait Islanders peoples should be aware that this publication may contain images or names of people who have since passed away.

mission

vision

The 2016 Yearbook demonstrates how Community Sector Banking works to create real impact and real solutions for shareholders, customers and Australian communities through business strategy, financial and non-financial activities.

Front and inside cover feature Kutlu who participates in a Youth Projects life skills program funded by Community Sector Banking. Youth Projects are a customer and recipient of a Social Investment Grant this year. Read more about Kutlu here.

2 2016 Achievements

3 Our Chairperson

4 Our Customers

5 Our CEO

6 Our Structure

7 Bendigo and Adelaide Bank

8 Community 21

10 Our Culture

13 Real Impact - Action on Reconciliation

14 Real Impact - B Corp Certification

16 Real Impact - Social Investment Grants Program

20 Real Impact - Strengthening Communities

22 Real Impact - 2016 Housing Impact Award

24 Real Solutions - Products with a Purpose

25 Real Solutions - Financial Models

26 Real Solutions - act.

29 Real Partnerships - Rental Affordability Index

30 Real Partnerships - Scholarships

32 Bendigo Bank Branch Collaboration

1

Our Chairperson

In 2016, Community Sector Banking celebrated its fourteenth year of operation. This milestone is an ideal time to reflect on the success of the joint venture between Bendigo and Adelaide Bank and Community 21.

Within the not-for-profit sector, we are leveraging the contributions, infrastructure and support of our two joint venture partners to further focus our efforts and achieve better bottom line results.

In March 2016 the Board appointed Andrew Cairns as the new CEO of Community Sector Banking. He is transforming the business and paving the way for exciting opportunities and new products in our development pipeline.

As ever, the not-for-profit sector faces significant challenges. Not least of these is the ability to secure sufficient financial resources and other support to continue with its indispensable work. Community Sector Banking recognises this and will continue to look for new ways in which we can best meet the rapidly evolving circumstances of organisations in the sector.

We look forward to a bright and prosperous future for our joint venture enterprise.

David Thompson AM

Chairperson

4

In the face of growing competition, we continue to attract new customers, add value to existing customers, and innovate with new products and services.

3

Over the course of fourteen years, we’ve watched other financial institutions start to roll out banking products and services to meet the needs of not-for-profit organisations. The big banks’ entry into this market has created a more challenging and competitive environment.

However in the face of growing competiton, we continue to attract new customers, add value to existing customers and innovate with new products and services. Community Sector Banking is a thriving business, with over 12,000 not-for-profit customers.

Our success reflects the fact that we have never wavered from our core purpose, which is to help not-for-profit customers achieve positive results through the delivery of sector-specific financial services. And we continue to develop and improve the wide variety of services and products we offer to our growing customer base.

Over the past year, the Board has set new strategic priorities for the organisation. As well as servicing the broader not-for-profit sector Community Sector Banking is now focusing some of its efforts on the affordable housing and homelessness crisis in Australia.

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12,000

$1.2 billionnot-for-profit customers

awarded Best for Communities in the Best for the World Global B Corp awards

in funds under management

Judy, CEO Women’s Housing with Tony from Community Sector Banking

Our Achievements

+51.3 Net Promoter Scoremedian Australian bank score -0.21

$200,000awarded in our 2016 Social Investment Grants Program to help reduce homelessness

$40,000 contributed through Bendigo Bank branches to strengthen local communities

96.4%of customers are satisfied or very satisfied with our service *based on 2015 customer satisfaction survey

6

Our CEO

I joined Community Sector Banking as CEO in March 2016. It is a real privilege to lead such a progressive organisation that demonstrates firm belief in ‘by sector, for sector, through sector’.

In 2016, one of our focus areas has been on housing for those that are homeless or at risk of experiencing homelessness. We have been working with key stakeholders in the sector – including government, housing providers and private enterprise – to build relevant and sustainable solutions that will help address this urgent issue.

One of our goals is to make safe, reliable, continuous housing more readily available – to improve people’s quality of life and to increase their capacity to add to the social fabric of the communities in which they live.

With more Australians becoming marginalised and disenfranchised, the efforts of the not-for-profit sector are more in demand than ever.

5

As government funding models become stressed from this demand, we will continue to find new ways to build financial resilience and capability into our business – to benefit both our not-for-profit customers and shareholders. Our commitment to a new Reconciliation Action Plan (RAP) and our ongoing status within the B Corp community reflect how we look beyond our products and services to align our organisation to the expectations and values of the sector.

A great demonstration of our commitment to make a difference shone through in our Social Investment Grants Program. This year, seven not-for-profits from around Australia shared in $200,000. Our beneficiaries included a range of progressive organisations committed to improving outcomes for those who are homeless or at risk of being homeless. We look forward to seeing the positive work of their programs.

I would like to take this opportunity to thank Greg Peel for his remarkable work as CEO of Community Sector Banking for the past fourteen years. He has created an organisation which is a true thought-leader in the market. Thanks to his legacy, we can continue to stimulate debate and challenge the market.

I would also like to thank the people within Community Sector Banking for their achievements in the past twelve months. They face the ongoing challenges of the sector with determination, commitment and great passion.

We will work hard with the sector to make sure we play our part in making a difference and finding financial solutions.

Andrew Cairns CEO Community Sector Banking

Our Customers

3% NT

8% WA

10% SA

22% QLD

18% NSW/ACT

36% VIC

2% TAS

customers by location customers by sub-sector

4

Aged Care 2%

2%Childcare

8%Community Groups

6%Culture and arts

2%Disability

7%Education, Employment and Training

7%Environment and Animal Welfare

15%Health, Social Services & Welfare

1%Housing

2%Indigenous

7%International & Other

4%Law, Politics & Advocacy

6%

32%

Religious

Sports and recreation

Read about our customers here

Watch our customer videos here

Our Structure

6 7

Shareholder – Bendigo and Adelaide Bank

Our Bank is very proud of our role in the communities in which we operate – we believe our actions define who we are. It’s a belief we share with our joint venture partner and specialist not-for-profit banking service, Community Sector Banking.

As a bank, we are good with money, but we also think it’s bigger than that – we’re more interested in the good that money can do. This year, the Bendigo & Adelaide Bank Group has proudly invested more than $1.35 million into education to support our scholarship programs, and donated $435,000 to bush fire affected communities across the country. Our Community Banks have also seen more than $165 million returned to local communities since 1998.

Community Sector Banking is a 50:50 joint venture between Bendigo & Adelaide Bank and Community 21 – a consortium of 38 progressive not-for-profits representing key segments of the sector. Our unique structure helps us combine and leverage the knowledge and experience of the not-for-profit sector with the financial experience of one of Australia’s oldest banks. Like us, Community Sector

Banking understands that people with a purpose make great things happen.

As they celebrate their fourteenth birthday, Community Sector Banking continues to grow to new heights. This year they have returned $200,000 to not-for-profits through their Social Investment Grants Program. With 1 in 200 people sleeping rough on any given night, their grants to reduce homelessness could not have come at a better time.

From a financial perspective, 2016 has continued to see an economic environment that challenges all banks. In many ways, we continue to feel the

impacts of the Global Financial Crisis even today. Despite this, Bendigo Bank has reported a pleasing result, and this is underpinned by investment in our people and systems, as well as our commitment to be Australia’s most customer centric bank. Community Sector Banking have contributed to this through their tailored banking products and services, and their commitment to support the work of their not-for-profit customers, who we are also proud to service and support.

Our Bank is very proud of our strong and valued brand, our commitment to great customer service and our role in communities around Australia. Our actions in delivering on this promise are real with evidence in communities around the country.

Bendigo Bank strives to be Australia’s most customer connected bank and Community Sector Banking plays an important role in this. Our combined commitment to community and excellence in customer service draws people and not-for-profits to banking with us. We look forward to continuing our investment in our customers and communities into the future.

Mike Hirst Managing Director Bendigo and Adelaide Bank

50% +=

50%

Our Board

David Thompson AM Chairperson

Andrew Billing Director

Marnie Baker Director

Robert Musgrove Director

Lauren Bean Director

Both of our shareholders understand the importance of balancing the creation of shared value with sustainable and resilient financial frameworks. In November this year we paid a dividend to our shareholders, Community 21 and Bendigo & Adelaide Bank. As a community orientated yet commercial company we remain committed to returning on their initial investment to build capacity within the not-for-profit sector.

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Shareholder – Community 21

With 38 not-for-profit Community 21 shareholders now on board, Community Sector Banking remains Australia’s only banking service solely dedicated to the sector.

and the ever-increasing move towards mergers and acquisitions – it is reassuring to know there is a banking service focused on generating both social and financial capital.

Looking ahead, Community 21 will continue to support the endeavours of Community Sector Banking under the leadership of new CEO Andrew Cairns. The board thoroughly supports the rigorous growth and innovation strategy being implemented and the expected value it will generate for shareholders.

Community Sector Banking is an important player in helping to address some of Australia’s biggest social challenges, such as homelessness, unemployment and disadvantage.

It has become a thriving business, providing bespoke financial products to over 12,000 customers. Importantly, Community Sector Banking has never wavered from its original purpose of creating social impact through tailored financial solutions to the not-for-profit sector.

We cannot underestimate the importance of a banking service that listens and responds to the needs of the nation’s not-for-profit and community-based organisations. In the face of many challenges – including funding constraints, fierce competition

In parallel, Community 21 is looking forward to working more closely with its shareholding organisations to ensure the sector’s needs are continually heard and acted upon.

I would like to take this opportunity to acknowledge Peter Quarmby’s resignation as the Executive Director of Community 21. His vision, tenacity and commitment to creating a banking service dedicated to social justice was instrumental in founding both Community 21 and Community Sector Banking. As a director, my hope is to support Community 21 to build upon the solid foundation Peter laid during his 15 years of exceptional service.

I would also like to take this opportunity to welcome our new board members Michael Raper and Peter McNamara, who will bring valuable sector expertise to our board. Their strong skills in governance and finance will place Community 21 in strong stead as we move into the future.

The Community 21 Board wishes to thank shareholders for their ongoing support, and looks forward to working as a united collective.

Lauren Bean Community 21 Director

Our relationship with Chris and Community Sector Banking is huge to us, we are appreciated, valued as individuals and treated as humans.

Sally, Executive Director Transgender Victoria and Chris from Community Sector Banking

from our customer

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Our CultureCommunity Sector Banking attracts values-driven people who in turn create a culture of respect and diversity. Our staff care about each other and our customers, which is underpinned by our long term relationships and growing number of customers. Their expertise and experience reinforces their passion and commitment for the sector.

65%

60%

4%

14%

21%

17%

of staff are women

Team Head roles are held by women

identify as Aboriginal and Torres Strait Islander

access flexible work options

of staff have participated in workplace volunteering

employees completed external studies

age profile of our workforce

15-25 8%

25%

29%

27%

12%

26-35

36-45

46-55

56-65

What drew me to the company in the first place was the focus on social change which has remained steadfast. The things that Community Sector Banking do today are an investment for tomorrow and I love working for a company that has an impact on the lives of people.

As part of a committed and supportive team, I’m able to promote Community Sector Banking’s values through my work with a diverse range of not-for-profit customers.

Wayne, CFO, Community Sector Banking

Karen, Funding Analyst, Community Sector Banking

Real Impact

Action on Reconciliation

Aboriginal and Torres Strait Islander Peoples continue to experience gaps in health, education, housing and employment. While some progress has been made, gaps like these prompt us to ask what role we as a business can play in building a fairer, more equitable Australia alongside our Indigenous partners.

Reconciliation Action Plan (RAP)

As our staff Reconciliation Working Group work towards launching our second RAP in March 2017, we’ve reflected on the successes of our previous RAP. Cultural awareness training has been completed by all Community Sector Banking staff and is provided on induction for new recruits. Formal business relationships have been created with 7 Aboriginal and Torres Strait Islander organisations, and we have informally worked with a further 64.

Our Procurement Policy acknowledges the powerful role engaging Aboriginal and Torres Strait Islander businesses can have, and this year we used Supply Nation to help us connect with the Indigenous business sector. These relationships helped us attract more staff who identified as being of Aboriginal or Torres Strait Islander descent.

Volunteering & events

Community Sector Banking’s staff are passionate supporters of reconciliation, which is reflected in the range of activities we have participated in; including pro bono services to Aboriginal and Torres Strait Islander organisations. Staff also attended and participated in events in support of NAIDOC Week around Australia, including the Greater City of Bendigo’s Flag Raising & Smoking Ceremony and the Illawarra Family Day.

Medical student Cassandra Geeman (far right) who attended the Australian Indigenous Doctors Association conference with support from Community Sector Banking.

real impact 13

9

B Corp CertificationIn 2016 we celebrated our first year as a fully-fledged B Corp and Australia’s first banking service to gain certification. This globally recognised certification reflects our unwavering commitment to use business as a force for good. B Corp companies willingly raise the bar when it comes to transparency, accountability and performance.

This year an internal committee was formed to champion the recertification process (occurs every two years) and raise awareness of the B Corp movement amongst our customers, shareholders and the wider community. Our goal is to improve our overall impact assessment score. One way we are improving our environmental performance is by offsetting the carbon emissions generated through our business related travel. Our customer and first carbon offset provider in Australia, Greenfleet provides this service to us and the wider Bendigo & Adelaide Bank Group. Since 2014, 50,349 native trees have been planted on behalf of the Group improving water quality, reducing soil degradation and providing essential habitat for native wildlife across Australia. Read more about our relationship with Greenfleet.

Community Sector Banking was also named Best for Communities in the 2016 Best for the World awards. We are one of four Australian companies to have been honoured in this category. The awards recognise companies that have scored in the top 10 per cent globally on their B Impact Assessment – the independent process through which companies certify as B Corporations.

Watch our B Corp video

Community Sector Banking is with us every step of the way, offering support and advice far above what a bank would normally be able to provide.

Matthew CFO Canefields Clubhouse

from our customer

Social Investment Grants Program Impact of 2014 and 2015 Grants Program

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Launched in 2011, the Social Investment Deposit Account (SIDA) is aimed at community minded individuals and organisations looking for a deposit account that contributes to social change. With the Social Investment Deposit Account customers are directly supporting social projects and community organisations through the grants program.

160applications received

$150,000granted

4,173 people benefited

15projects funded

The Social Investment Grants Program are annual grants offered by Community Sector Banking. Each year, Community Sector Banking determines the area in which the grants will generate the most impact.

In 2014 the grants program focused on financial inclusion and in 2015 on disability.

Social Investment Deposit Account – a bank account that gives back

you open a social investment deposit account

we donate 50% of our net profits

you can choose to donate 50% or 100%

of your interest

you get a safe and secure return

positive impact through social

projects+ =

real impact

The Social Investment Grants Program is funded by Community Sector Banking contributing 50% net profit earned on all Social Investment Deposit Accounts and account holders can also choose to donate 50% or 100% of the interest earned on their account.

Community Sector Banking’s Social Investment Deposit Account has been certified by the Responsible Investment Association Australasia (RIAA) according to the strict disclosure practices required under the Responsible Investment Certification Program.

See www.responsibleinvestment.org for details.

The Grants focus for 2016 was on programs and projects that help reduce homelessness.We know how vital not-for-profits are in addressing homelessness. From social enterprises providing employment & training opportunities, to tenancy programs that provide more than just a place to call home, support for people experiencing homelessness often seeks to reverse situations for the long term. Early intervention with innovative solutions is also proving successful.

Byron Community Centre, NSW $20,000 grant – Category 1

The grant will be used to develop a six week barista and hospitality training program to support women out of homelessness. The project, Connect Coffee, will operate from their social enterprise coffee shop. Graduates will be supported to find paid employment in the Byron/Ballina shires.

Suited to Success, QLD $20,000 grant – Category 1

The grant will support a program for 30 unemployed people in Brisbane who are homeless or at risk of homelessness. The Steps to Work program will address stress management, develop self-esteem, communication skills and build employability skills. Participants will also take part in two styling sessions and receive interview suitable outfits to keep.

Meals @ the Bridge Lifeline, VIC, $20,000 grant – Category 1

The grant will help establish the Eagles Farm project located in Northeast Victoria. The project will allow 40 participants experiencing homelessness from both metropolitan and rural areas, an opportunity to address the root cause of their homelessness whilst developing practical farming and trade skills.

The Gay and Lesbian Foundation of Australia, VIC, $20,000 grant – Category 1

In collaboration with Transgender Victoria, Launch Housing, and Drummond Street Services, this project will develop a model of care to support trans and gender diverse people who are experiencing or are at risk of homelessness. The model will focus on specific improvements in knowledge, attitudes and skills that would be more inclusive.

Youth Projects, VIC $50,000 grant – Category 2

Youth Projects in Melbourne received a $50,000 grant to fund the Dining Room Project, which tackles the issues of food insecurity and poor health that people experiencing homelessness often face. The funds will provide fresh produce, a nutritionist and training in grocery budgeting skills in the newly renovated dining room space in Hosier Lane. The program will see food prepared by participants be shared together, eating at a table, with cutlery, based on choice and dignity rather than dependence and helplessness. New pathways into housing and employment will also be explored over dinner with peer mentors.

HoMie, VIC $50,000 grant match funded on letsact.com.au – Category 3

HoMie successfully crowdfunded on letsact.com.au to match fund the $50,000 grant from Community Sector Banking providing a total of $101,955.37 for their Pathway Project. HoMie, The Ladder Foundation and Cotton On have teamed up to provide a structured pathway out of homelessness for young people. The retail training and employment program will run for 12 months, and will see six young people experiencing homelessness housed by Ladder, trained as retail workers by HoMie and employed by Cotton On upon successful graduation. The participants will be provided with education & vocational training, financial assistance, employment and social support throughout the program.

Hutt Street Centre, SA, $15,000 grant – Category 1

Hutt St Centre are using their grant to transform a dilapidated shed into an education and employment hub for the city’s homeless population. The Shed Your Feathers initiative will give many of the 1,300 people experiencing homelessness in Adelaide the opportunity to learn skills in sewing and clothing design.

18 19real impact real impact

I’m very happy in this apartment and very grateful that they allowed me to come and live here.

Mary, tenant of Women’s Housing

Women’s Housing has provided safe and secure accommodation for women for nearly 20 years.

Our Role in Strengthening Communities

20 real impactreal impact

Watch our video

Cora Barclay Centre helps children who are deaf or hearing impaired, learn to speak and reach their full potential.

South West Christian Church is a multicultural church that caters broadly for all generations.

Butterly Cottages offers aged accommodation and services to assist senior members of the community.

Girl Guides Victoria mentor, challenge and empower girls to develop into confident, self-reliant and responsible community members in a fun and engaging environment.

Read more here

Read more here

Read more here

Read more here

Housing Impact Award

22

Real Solutions

real impact

Link Housing was awarded Community Sector Banking’s 2016 Community Housing Impact Award for Tenancy Management, in recognition of its innovative building strategies that enrich life for its tenants in northern Sydney.

The judges were especially impressed with Link Housing’s strategy FormingLinks, which aims to help tenants develop relationships with each other, and create an overall stronger community. Currently 1 in 10 tenants actively engage with Link Housing and their goal is to increase this to 1 in 5 by 2018.

We recognised the need to increase our tenants’ opportunities for social engagement, not only because it is widely known to be a key determinant for health, happiness and wellbeing, but also as we knew social isolation was a major issue for our tenants – 47% live alone, many are elderly or have a disability

Andrew, CEO, Link Housing

Kieran and Ken from Community Sector Banking with Andrew, CEO, Link Housing at the award presentation.

Products with a Purpose

24 real solutions real solutions

Financial Models

Community Sector Banking is working with a cohort of community housing providers to develop new financial models launching in 2017, to address the lack of social and affordable housing in Australia.

A pathway to home ownership for tenants

Community Sector Banking has been working in the community housing sector for over 12 years, building strong relationships across all states. Community housing providers (CHPs) are keen to provide a pathway for their tenants to move into home ownership and have worked with us to build a solution that can be jointly offered to existing or new tenants.

Shared equity is a mechanism that enables aspirational low to moderate income households to secure home ownership in conjunction with a third party equity provider. Using our act. home loans it will allow existing tenants to unpack for good and create a home for life. We expect to launch with a pilot group of providers and their tenants in early 2017.

Community Sector Banking’s unique structure allows us to combine the understanding and capabilities of our shareholders, Bendigo and Adelaide Bank and Community 21 to provide innovative financial solutions tailored for the unique needs and goals of not-for-profit organisations.

A social housing bond

In an effort to build long term capacity and sustainability in the social housing sector, Community Sector Banking has commenced work on a social housing bond. The bond product would provide eligible CHPs options for financing investments. The lending involved is managed by Community Sector Banking and then issued to institutional investors (such as large superannuation funds) as a loan that happens to have a great social outcome. The social housing bond will help CHPs build capacity to increase the supply of social and affordable housing in Australia.

There is a growing interest in social impact investing driven by public demand around corporate social responsibility and the success of International models. The Social Housing Bond seeks to marry this demand from investors with the lending needs of CHPs to deliver mutually beneficial outcomes that are clearly measurable.

We will continue to work with potential investors and borrowers around the structure of the bond and will launch our first prospectus in mid-2017.

25

TransactingCash Management Trading Account

LendingCredit cards

Overdraft facilities

Commercial loans

Specialist social and affordable housing team

Investing Social Investment Deposit Account

Term Deposits

Gift Fund Accounts

Salary Packaging

b-packaged® debit MasterCard

b-optimised® account

New in 2017 b-entertained® debit MasterCard b-maximised® MasterCard

act.

Our award winning banking platform letsact.com.au, that blends crowdfunding with everyday banking products, again funded a diverse range of social projects throughout 2016. act. home loans, will be used to support our new shared equity model in 2017 providing pathways to home ownership for tenants of community housing providers.

Good CyclesThe Harbour Esplanade Community Bike Hub

Imagine a Community Bike Hub – a bike workshop, on the Harbour Esplanade in Docklands. Good Cycles did, and the Harbour Esplanade Community Bike Hub was born. A place to meet, learn, share stories and develop a love for bicycles.

The social enterprise Good Cycles used crowdfunding to raise $44,718 to fund the project. The Harbour Esplanade Community Bike Project was match funded by Places Victoria to the value of $20,000.

Watch our video on The Harbour Esplanade Bike Hub

26 23

2016 projects on letsact.com.au

$308,008 pledged to successful projects

3,237 act. users

81% funding success rate

real solutions

Sam from Hutt Street Centre and Josie from Community Sector Banking

Rental Affordability Index

Compiled quarterly and released every six months, the Rental Affordability Index shows that Australia’s housing affordability crisis isn’t just about house prices. Community Sector Banking developed the Index in partnership with SGS Economics & Planning and National Shelter, to measure rents as a proportion of household incomes, with data collected by postcode.

The Index has shown that single income households are some of the worst off in Australia, and that low income households are paying up to 85 per cent of their household income on rents. The inner city areas of Sydney and Melbourne are now inaccessible to both low and moderate income families, locking families into a never ending cycle of increasing rents, and pushing essential workers further away from city centres.

A panel discussion provided an exclusive preview of the results from the national Rental Affordability Index, on 23 November 2016. The panel of industry experts discussed Australia’s housing affordability crisis with a particular focus on Melbourne, and explored policy, governance and funding issues that could address the crisis.

29

Panel members included; Ellen Witte – SGS Economics & Planning, Adrian Pisarski – National Shelter, Andrew Cairns – Community Sector Banking and Tony Keenan – Launch Housing

Rental Affordability Index interactive map Real Partnerships

real partnerships

30 25

ScholarshipsA joint initiative of Community Sector Banking and Haven; Home, Safe - the scholarship program provided $20,000 over two years, to tenants of Haven. The scholarships removed the financial barriers to study including course and material costs, transport and accommodation expenses.

Liam is studying a Bachelor of Environmental Studies and is determined to follow his passion for the environment. The scholarship has helped him with relocation costs and living expenses. He can now focus more time on studying reducing the amount of work required to cover day-to-day living expenses. His local council also provided a scholarship in recognition of his extensive community involvement.

Terri-Lynn is studying a Bachelor of Education and is the first member of her family to attend university. She is passionate about achieving her dream of becoming a teacher. The cost of her textbooks came as a shock, but the scholarship has helped her immensely.

Janet is studying a Diploma in Community Services. The scholarship has helped alleviate the costs of rent and textbooks. A true champion for her community, with a passion for social justice, Janet is determined to make a difference with her Diploma.

Inspired by his youth workers Akoda is studying Certificate IV in Community Services. He volunteers his time to help build a local basketball court and regularly donates to Oxfam. He is acutely aware of the cultural needs of his community and wants to create long-lasting change and follow in the footsteps of his youth worker.

Kraig is studying a Bachelor of Business and late last year completed a Diploma in Business and secured his place in an accelerated two year Bachelor of Business, specialising in Accounting.Kraig is a dedicated single dad, and an active member of his community. He is determined to create a brighter future for himself and set an example for his sons.

Rosemary is studying a Diploma in Counselling, completing a Masters in Early Education full-time and also working part-time as a preschool teacher. Rosemary has used the scholarship funds to buy an iPad and pay for her internet to stay in touch with her tutors, and complete her online assessments.

Julie is completing her Bachelor of Education, specialising in teaching English as a second language. Julie credits her unrelenting focus and drive, to her passion to help refugees and says the money from the scholarship has helped to reduce the financial stress of study.

This page: Back left, Janet and AkodaBottom left, Kraig, Rosemary and Julie

Left: Liam and Terri-Lynn

real partnerships

32 real partnerships

Bendigo Bank Branch Collaboration

What matters most is that we are working with a partner that shares our values.Dean, CEO Shrine of Remembrance, Melbourne

Watch our video with The Shrine of Remembrance

In everything that we do, our customers and the impact that they make in the community are at the forefront of our minds. That’s why we work closely with our partner Bendigo Bank to secure the best outcome for our customers.

Thank you from everyone at Community Sector Banking, for your ongoing support and working with us to create real impact.

Community Sector Banking ABN 88 098 858 765 (Australian Financial Services authorised representative No. 265317 and Australian Credit authorised representative No. 379667) is a franchisee of Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL and Australian Credit Licence No. 237879 and is a wholly owned subsidiary of Community Sector Enterprises Pty Ltd ABN 95 098 858 354. Community Sector Enterprises is a 50/50 joint venture between Bendigo and Adelaide Bank and Community 21 Limited ABN 79 097 612 416. Banking products are products of Bendigo and Adelaide Bank. Any information provided is of a general nature only and does not take into account your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness to your personal circumstances. You should read the applicable Disclosure Documents available online at communitysectorbanking.com.au before making any decision. Terms, conditions, fees and charges apply. All loans subject to normal lending criteria. (S56240) (12/16)

Contact usAt Community Sector Banking we are more than a provider of not-for-profit banking solutions - we work with our customers to strengthen communities and create real impact. Talk to us today.

call us

1300 CSBANK (1300 272 265) Anytime from 8.30am to 6pm AEST, Monday to Friday

email us

customerservice@csbanking.com.au

visit us

communitysectorbanking.com.au or any branch of Bendigo Bank

head office

Level 1, ic Central Innovation Campus, Squires Way North Wollongong , NSW 2500

t. 1300 272 265

f. 02 4255 8420

postal address

PO Box 585 Corrimal, NSW 2518