Bendigo and Adelaide Bank Limited

Bendigo and Adelaide Bank Limited, operating through brands such as Bendigo Bank, Sandhurst Trustees, and Leveraged Equities, provides a comprehensive suite of financial services. The organization offers personal and business banking products, including bank accounts, home loans, personal loans, credit cards, insurance, and investment services. Specialist divisions also provide agribusiness banking, financial advice, and share trading facilities to a diverse Australian customer base. The business model utilizes a Community Bank format, where retail branch operations are managed by franchisees who function as authorized representatives of the bank. These franchisees are responsible for the management of the physical branch location, while all resulting financial transactions remain between the customer and the relevant Bendigo group entity. Revenue is generated through the promotion and sale of approved Bendigo group products. Under this model, the franchisee is appointed as a credit representative under national consumer credit regulations, focusing on a profit-with-purpose structure where a portion of profits is redirected into the local community. Founded in 1999, the franchise network maintains approximately 67 units within the Australian market. The broader group possesses an operational history exceeding 160 years and maintains a national presence through a combination of physical branches, digital applications, and online banking platforms.