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Reports and publications

Our reporting, our policies and the documents that explain how your money is protected.

What we publish

We report on two things: what the bank did with savers’ money, and what that money changed. Both are published each year, and both include the parts that did not go to plan.

Product and regulatory documents sit alongside them, so you can read the terms of an account before you open it rather than afterwards.

Start here

What the loan book paid for, sector by sector, and what the organisations behind it achieved.

Read the impact report

How deposits are protected under the Australian Government’s Financial Claims Scheme, and what it covers.

Financial Claims Scheme

What personal information we hold, why we hold it and what you can ask us to do with it.

Privacy policy

Annual reporting

Annual Report 2025
The audited financial statements, the directors’ report and the board’s account of the year, including our operational and financed emissions.
Impact Report 2025
Our social impact reporting for the year — the lending, the outcomes behind it and the method we used to measure them. Read the summary.
Environmental, Social and Governance Report 2025
Our ESG progress, emissions reporting and net zero programme, published alongside the annual report. The commitments behind it are set out on our ESG page.
Pillar 3 prudential disclosures
Capital, credit risk and liquidity disclosures made as an authorised deposit-taking institution regulated by APRA.

Product and customer documents

Target Market Determinations
A determination for each savings account, describing who the product is designed for and how we distribute it, as required by ASIC’s design and distribution obligations. Published with the account documents in our savings document library.
Savings account terms and conditions
The terms for every account we offer, with the current and historic interest rate schedules. See the savings document library, or the savings pages for what each account is for.
Financial Claims Scheme information
Deposits are protected up to A$250,000 per account holder per authorised deposit-taking institution. How the scheme works.
Privacy policy and credit reporting policy
How we collect, use and disclose personal and credit information under the Privacy Act 1988 (Cth). Read the privacy policy.
Complaints and dispute resolution
How to complain, what happens next, and how to take an unresolved complaint to the Australian Financial Complaints Authority.

Codes and commitments

Charity Bank Australia is an authorised deposit-taking institution regulated by APRA, holds its conduct and credit licences from ASIC, and is a member of the Australian Financial Complaints Authority.

We share the principles of values-based banking set out by the Global Alliance for Banking on Values, of which we are a member, and report against them each year.

Documents not linked on this page are published with the annual report or held with your account records. Customers can ask our support team for any of them through secure messaging in online banking, and we will send a copy without charge.

See what the lending changed

Over 1,480 loans and A$653 million lent to Australian charities, community organisations and social enterprises.