Bendigo and Adelaide Bank

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Bendigo and Adelaide Bank is an Australian financial institution, formed by the merger of Bendigo Bank and Adelaide Bank in 2007. It is headquartered in Bendigo, Victoria, with branches throughout Australia.
The bank offers a range of personal, business, and rural banking products and services, including deposit accounts, loans, credit cards, insurance, and financial planning. It also has a strong focus on community involvement and sustainability, and has a number of initiatives in place to support the local communities it serves.
Bendigo and Adelaide Bank is the fifth largest retail bank in Australia by assets, with over 550 branches and 7,000 employees. It is listed on the Australian Securities Exchange and is a member of the ASX 100 index. The company is also a member of the Financial Ombudsman Service and the Australian Banking Association.
Bendigo and Adelaide Bank has received numerous awards for its customer service and community involvement, including being named the Most Trusted Bank Brand in Australia by Reader’s Digest for nine consecutive years.
History
The history of Bendigo and Adelaide Bank can be traced back to the establishment of the Bendigo Mutual Permanent Land and Building Society in 1858. The society was formed to help local citizens purchase land and build homes. In 1877, the society changed its name to the Bendigo Mutual Permanent Land and Building Society, marking its transition to a permanent building society.
In 1982, the company changed its name to Bendigo Building Society and began to expand its operations beyond Bendigo. It became Bendigo Bank in 1988 and listed on the Australian Securities Exchange in 1995. In the early 2000s, Bendigo Bank began a series of mergers and acquisitions, including the acquisition of non-bank lender Elders Home Loans and the merger with Adelaide Bank in 2007.
Since the merger, Bendigo and Adelaide Bank has continued to grow its presence in the financial services market, expanding its network of branches and introducing new products and services. It has also continued its focus on community development, investing in sustainable and socially responsible initiatives.
Financial performance
Bendigo and Adelaide Bank has achieved consistent growth since its merger in 2007. In 2020, the bank reported operating income of AU$1.78 billion and net profit after tax of AU$301 million. Its total assets amounted to AU$78.8 billion, with a loan book of AU$61.9 billion and deposits of AU$59 billion.
In recent years, the bank has also been increasing its investment in digital banking and technology, with the launch of its neobank Up and the introduction of online banking and mobile apps for customers.
Leadership
The current managing director and CEO of Bendigo and Adelaide Bank is Marnie Baker, who has held the position since 2018. She has over 30 years of experience in the banking industry and was previously the bank’s deputy CEO.
Baker leads a team of senior executives, including the chief financial officer, chief risk officer, and chief customer officer, who oversee different aspects of the bank’s operations.
Community involvement
Bendigo and Adelaide Bank has a strong focus on community involvement and sustainability, with a range of initiatives in place to support the communities it serves. These include:
- Community engagement: The bank has a number of programs to support local communities, including grants, sponsorships, and partnerships with community organizations and charities. It also encourages its employees to volunteer their time and skills to support community projects.
- Environmental sustainability: Bendigo and Adelaide Bank is committed to reducing its environmental impact and has implemented a range of sustainable initiatives, including carbon offsetting, renewable energy investments, and energy-efficient practices in its office buildings.
- Financial education: The bank offers a range of resources and tools to help customers improve their financial literacy and make informed financial decisions. This includes workshops, seminars, and online resources on topics such as budgeting and saving, managing debt, and planning for retirement.
Conclusion
Bendigo and Adelaide Bank is a trusted financial institution in Australia, with a long history and strong community focus. Through its range of products and services, as well as its commitment to sustainability and community involvement, the bank has established a strong reputation and continues to grow its presence in the financial services industry.

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See Company Q&A