Bendigo and Adelaide Bank have implemented the Bank Accounting Regime (BEAR). The regime aims to strengthen accountability and promote good governance and a strong risk culture in the banking sector. It requires the bank and persons identified as responsible in management and management positions to conduct operations of honesty and integrity, as well as with the necessary competence, care and care. Our specialist department of agriculture, rural bank, offers about one in 10 Australian farmers specialised solutions for financing agriculture. With a market share of approximately 8.4 percent, Rural Bank`s products and services are accessible at more than 400 locations across the country through a network of banking partners such as Bendigo Bank, Community Bank and Elders, as well as nearly 200 credit specialists in rural and regional centers across the country. As one of the largest social enterprise movements in the world, the Community Bank model relies on partnerships with local people and businesses to provide financial services, employment, a local investment opportunity and a source of income for locally determined projects. The partnership has returned more than $250 million to local communities and sparked a community movement across the country, which funds projects that in most cases would not exist. In many cases, investments have unlocked new public and local funding for businesses, implemented community projects exceeding millions of dollars across the country – as well as local job creation and economic growth. For more information on the Community Bank model, please see this report. Bendigo and Adelaide Bank provide comprehensive banking services to more than 1.9 million customers across Australia. Whether online, in-store, on the farm, in-store, face-to-face or over the phone, we offer our customers personalized, instant and comfortable services, regardless of how they do business with us. We support customers with disabilities who are older or isolated and have the best access to comprehensive banking services.

At the end of 2019, the Bank launched its first 2020-22 Access and Inclusion Plan to enable all customers with equal opportunities to cooperate smoothly with the bank. For more information, see the Accessibility and Inclusion section of this report or on the Bendigo and Adelaide Bank website. Our three-year partnership with Australia`s Fintech Tic: Toc – the world`s only fully digital home credit platform – continues, a unique offering in the market that gives our customers access to our own Bendigo Express instant loan. As the first Australian bank to offer a digital application and assessment process for home loans under its own brand, we offer our clients new solutions and new results. . . .