Community

National Recycling Week

National Recycling Week is one of Planet Ark’s flagship campaigns, held each year during the second week of November. Since its launch in 1996, the initiative has aimed to inspire individuals, businesses, and communities to take meaningful action toward reducing waste, reusing, and recycling correctly. Over the years, Australia’s recycling efforts have made remarkable progress. What began with only 7% of materials recycled, around 1.5 million tonnes, has now grown to more than 60%, exceeding 43 million tonnes. This transformation demonstrates how education, awareness, and improved recycling systems can make a real difference. Recycling plays a vital role in protecting our planet. By keeping valuable materials such as paper, glass, metals, and plastics out of landfill, we conserve natural resources and reduce the greenhouse gas emissions that contribute to climate change. Every item we recycle helps cut down on pollution and the energy required to produce new products from raw materials. This National Recycling Week, Planet Ark is encouraging everyone to rethink their waste habits, from recycling household items properly to choosing reusable alternatives and reducing overall consumption. Small steps, such as sorting recyclables correctly or buying products made from recycled materials, can create a big collective impact. Recycling at Home Households generate significant waste daily, and effective recycling helps reduce landfill waste. Here are some practical ways to recycle at home: Sort waste properly – Understanding your local council regulations is key to proper recycling and preventing contamination. Check your local council's guidelines.  Reuse and repurpose – Before discarding items, find creative ways to give them a second life. Glass jars, plastic containers, and old clothes can often be repurposed for storage, crafts, or household use. Start a compost bin – Set up a compost bin for food scraps and garden waste to reduce organic waste. Learn more about how to get started. Dispose of e-waste properly – Take electronic waste, such as old phones, televisions and batteries, to designated drop-off locations to ensure safe recycling. Find your nearest e-waste collection point. Container deposit schemes – From 2025, Australia will be the first continent to be fully covered by container deposit schemes. Under these programs you can return a range of aluminium, glass, and plastic drink containers to designated locations for a 10cent refund per eligible item. Learn more about these schemes in each state. Kerbside recycling As mentioned above, recycling rules vary by council, but in general the following materials can go into kerbside recycling bins for collection: Paper and cardboard – Newspapers, magazines, office paper, cereal boxes, and flattened cardboard boxes. Glass – Bottles and jars (rinsed). Do not include broken glass, ceramics, or Pyrex (cookware). Plastics – Hard plastics such as soft drink bottles, milk containers and shampoo bottles. Metal – Aluminium cans, steel cans and foil trays. Cartons – Milk and juice cartons. Items to avoid placing in kerbside recycling bins: Plastic bags Broken glassware or mirrors or glass from a photo frame Batteries – Dispose of them at e-waste collection points. Clothing and other textiles Food containers with leftover food Building materials, such as timber, bricks and other construction debris. Paper towels Understanding your bin system: Yellow-lid bins – Used for recyclable materials. Red lid bens (landfill) - Intended for general waste that cannot be recycled. Green lid bins - Designed for garden waste, such as leaves, grass clippings, small branches, plants, flowers, weeds, and twigs. Some councils may allow additional organic materials in green bins, such as food scraps (fruit, vegetables, meat, fish, bread, pasta, eggshells) and compostable packaging. Check your local council’s website for specific bin guidelines. Recycling labels It is important to check and understand product labels and follow recycling instructions to ensure proper disposal and avoid contamination. Most products and packaging made from plastic have a small triangle on them with a number inside. This is a plastic identification code, used to identify the type of plastic the product is made from. Unfortunately, the triangle is often confused with the global symbol for recycling, the Mobius Loop, but it is not an indication the item can be recycled. The Australasian Recycling Label (ARL) is a labelling system for Australia and New Zealand, that provides consumers with easy-to-understand recycling information on packaging. It removes confusion, saves time and reduces contamination in the recycling stream by providing clear, detailed instructions on how to dispose of all parts of the packaging. Preventing recycling contamination Contamination in recycling bins is a significant issue that can cause entire batches of recyclables to be sent to landfill. When food waste, liquids, or non-recyclable items are mixed in, they can ruin otherwise recyclable materials. To avoid this: Ensure recyclables are clean and dry before disposal. Keep soft plastics, such as plastic bags and wrappers, out of standard recycling bins. Do not place hazardous items, such as batteries or electronic waste, in recycling bins, use designated collection points instead. Follow signage and guidelines on bins to ensure proper waste separation. By keeping recycling streams clean, we improve efficiency, lower costs, and ensure materials can be effectively repurposed. Recycling in your workplace Workplaces generate a substantial amount of recyclable waste, including paper, plastic, and electronics. Here are some steps to enhance recycling in your workplace: Recycling bins – Use any designated recycling bins throughout your workplace to ensure proper waste disposal and support sustainability efforts. Go paperless – Consider the need to print. Reduce paper waste by digitising documents and using electronic communication where possible. Recycle office supplies and equipment – Check if your workplace has collection points for used printer cartridges, batteries, and outdated electronics. Speak to your colleagues about donating or responsibly recycling old office furniture and IT equipment. Find e-waste collection points near you. Embrace reusable items – Utilise reusable coffee cups, water bottles, lunch containers, plates and cutlery instead of disposables alternatives. Mutually valuable banking for people and planet As a member focused, values-driven organisation, acting responsibly and ethically is at the heart of our operations. We are committed to the ongoing promotion and creation of mutual value and strive to make a positive impact for our members and the communities we are part of. It is this sentiment that underpins our Environmental, Social and Governance (ESG) Strategy - Mutually valuable banking for people and planet.We are always looking for ways to minimise the impact our business operations have on the environment. Our head office features a comprehensive four-bin recycling system for dry-waste, organics, recyclables, and paper - to help prevent contamination, reduce waste and minimise landfill.   We also recently refurbished our head office to improve efficiency and wellbeing. As part of our commitment to waste reduction, we repurposed much of our existing furniture. Remaining items were made available to staff or donated to Barnardos Australia’s child and family centres and Planet Ark’s City Recycling program.  Newly installed water systems, upgraded lighting and presentation technology were selected to reduce resource consumption and improve energy efficiency. We have also undertaken a Greenhouse Gas Assessment to better understand our emissions and identify reduction opportunities, completing our submission to Climate Active, an Australian Government program driving voluntary climate action. Through our ESG Strategy, we have delivered a number of impact initiatives including recycled PVC cards and environmentally conscious collateral, accessible and inclusive service enhancements, our Essential Worker Home Loan, Green Car Loan, Green Upgrades Loan, Worker Support Benefits and our Responsible Banking Policy. Join us in making a difference This National Recycling Week, let's reflect on our recycling habits and how we can contribute to a cleaner, healthier environment. Simple actions, like sorting waste properly, using recycled products, and supporting businesses that prioritise sustainability, can make a significant difference. Together, we can make recycling second nature and help build a more sustainable Australia.  

Community

Banking on Values Day: Reshaping how AI describes banking

As part of the Global Alliance for Banking on Values (GABV), this Banking on Values Day 2025 (November 10) we are seeking to explore the relationship between one of the defining technologies of our time– generative AI– and banking. We’re conscious that for good or ill, AI will shape so much of how our future looks and also how people understand it. We began by thinking about how AI describes banking to the rest of the world. We paid particularly close attention to the way that, when one asks a generative AI chatbot (like ChatGPT or Claude) about banking, it mainly produces information that reflects only very conventional banking, and knows little about banking on values which can reinforce unhelpful and outdated perceptions of what banking could be. As part of Banking on Values Day 2025, GABV has launched a digital tool to reshape how AI  describes and understands the purpose of banks, moving beyond profit to highlight their potential to serve people and planet. We believe technology is a powerful force to facilitate financial inclusion, help address environmental challenges and build a fairer future for us all. Collectively, we can help shape the future of AI and redefine banking through the lens of values. AI has rapidly become one of the world’s most commonly used digital tools. In 2025, 83% of AI users say they prefer AI-driven tools over traditional search engines for their accuracy and conversational tone, yet when asked, “What is banking for?”, large language models (LLMs) barely inform the public about the benefits of ethical, community-focused banking options. With recent research highlighting the extent of misrepresentation in news reporting (up to 45%), the GABV is seeking to expose the bias stemming from AI’s reliance on data dominated by conventional, profit-driven finance and excluding real-world examples of ethical and values-based banking. “AI is rewriting how the world understands banking and, right now, it’s leaving purpose and impact out of the picture. If we want a financial system that truly serves people and planet, we must make sure AI learns that too. This is a defining moment. AI does learn from the data it has access to - so the more positive, high-quality stories it finds about values-based banking, the better the insights and outcomes it can generate for everyone.” Martin Roher, Executive Director, Global Alliance for Banking on Values (GABV). Search ChatGABV To expose and address this imbalance, GABV created ChatGABV, a new interactive educational tool featuring two AI personas: ChatBAU (Business as Usual), representing mainstream, profit-focused AI responses, and ChatGABV, offering an alternative, values-driven view of finance. It highlights the potential of banking to drive positive social and environmental change, allowing users to compare and contrast the two. ChatBAU responds to a question like ‘What is banking?’ by highlighting ‘maximising profits for shareholders’, whilst ChatGABV highlights the role of value-led finance to ‘drive positive change in society’.  To tackle this information gap, the GABV invites everyone to shape AI and participate in a collective day of digital action, posting their responses to the question ‘What is a bank for?'. This collaborative intervention aims to expand the pool of knowledge that future AI models draw from, ultimately influencing how AI defines the purpose and potential of banking for the public. "Values-based banking has the power to transform lives and communities. We have seen the good it can do to help underserved populations around the world. As generative AI becomes more engrained in the financial industry, those of us in the GABV must help shape these models to harness banking as a powerful tool to help drive good in society. Our voices and experiences can not only influence people’s perceptions, but also that of this emerging technology." David Reiling, Chair of the GABV and CEO of Sunrise Banks (US) NoteThe campaign intentionally uses AI-generated content as part of its storytelling to reflect the growing role of AI in shaping public understanding. Rather than avoid this technology, the GABV chose to engage with it to demonstrate that banking can be values-driven. While aware of ethical concerns such as environmental impact, data bias, and effects on creatives, they addressed these by using licensed and owned materials and offsetting the carbon footprint of the video production. This approach aims to spark a global conversation and ensure AI reflects a vision of banking that serves people and the planet. To learn more about ChatGABV and use the tool visit: www.chatgabv.org  Prompt - What is a bank for?As a member-focused, values-driven organisation, acting responsibly and ethically is at the heart of our operations. We are committed to the ongoing promotion and creation of mutual value, including empowering our members with financial education that supports informed decision-making and long-term wellbeing. This sentiment underpins our Environmental, Social and Governance (ESG) Strategy - Mutually valuable banking for people and planet.Through our ESG Strategy, we have delivered a number of impact initiatives including recycled PVC cards and environmentally conscious collateral, accessible and inclusive service enhancements, our Essential Worker Home Loan, Green Car Loan, Green Upgrades Loan, Worker Support Benefits and our Responsible Banking Policy.We believe in promoting a positive, viable banking model that’s focused on meeting human needs and sustainability. We are an Associate Member of the GABV, a network of independent banks and credit unions using finance to deliver sustainable economic, social and environmental development. The GABV comprises 70+ financial institutions operating in 45 countries across Asia, Africa, Australia, Latin America, North America and Europe. Collectively, they serve more than 50 million customers and hold over USD 265 billion of combined assets under management. We were also the first financial institution globally to be accredited under the Mutual Value Measurement (MVM) Framework, developed by the BCCM and researchers at Monash University’s Business School to help mutual organisations measure their total value creation (mutual value) through a set of common dimensions and shared language about measuring and reporting mutual value. We’re always striving to make a positive impact and we are committed to a more sustainable future for our members and their communities. That’s why we’re striving to deliver mutually valuable banking for people and planet.  

Community

Hats Off to Australia’s Teachers This World Teachers’ Day

World Teachers’ Day is celebrated across Australia on 31 October, recognising the vital role teachers play in shaping our communities and future generations. From early childhood educators to university lecturers, teachers dedicate themselves to helping others learn, grow, and achieve their best.This year’s theme, “Hats off to teachers,” is a chance for all of us to recognise the dedication and care teachers bring to their work every day. You can get involved in simple ways: send a message of thanks, give a shout-out to a teacher who made a difference, or even share a fun selfie wearing your favourite hat in tribute. No matter how you join in, your gesture helps show teachers just how much their work is appreciated. Find out how on the Australian Institute for Teaching and School Leadership (AITSL) website.This World Teachers’ Day, let’s take a moment to say hats off to the incredible teachers who make a difference every single day. By recognising and supporting them, we help create an environment where great teaching thrives and where students across Australia can continue to grow and succeed.We’re proud to celebrate the teachers who shape our future. Their patience and determination deserve recognition every day, but especially today. Award-winning support for teachers As a member-focused, values-driven organisation, we are committed to the ongoing promotion and creation of mutual value, striving to make a positive impact for our members and the communities we are part of.We have a proud history as a customer-owned bank supporting key worker groups and state government employees, including NSW Ambulance and Corrective Services, as well as those in teaching and healthcare.As such, we have long provided special offers and product features to help support the financial wellbeing of these members.Our Essential Worker Home Loan is a low interest, variable rate home loan specifically designed to recognise the contribution essential workers, like teachers, make to the community by supporting their home ownership journey with a value and feature packed product.Independently recognised as winner of the 2024 Finder Innovation Award in the Social Impact Innovation category and with three 2025 Mozo Experts Choice Awards, our Essential Worker Home Loan demonstrates our commitment to support those who support others.                                               It’s our way of saying ‘thank you’ to essential workers for the work they do in always serving our community.

Community

International Credit Union Day

International Credit Union Day, Thursday 16 October 2025, marks the 77th anniversary of celebrating the global credit union movement. Championed by the World Council of Credit Unions (WOCCU) and Worldwide Foundation for Credit Unions (WFCU), it provides an opportunity to reflect on our shared history, achievements, and member experience. This year’s theme, “Cooperation for a Prosperous World” highlights the role of credit unions in supporting prosperity and well-being for individuals and communities through collaboration. International Credit Union Day is a reminder of our shared vision to bring communities together through mutuality and community spirit. Celebrating cooperative valuesFinancial co-operatives, such as credit unions, building societies and mutual banks, were formed when groups of like-minded workers and communities came together to create building societies, credit unions and mutual banks. We were established with the purpose of providing key worker groups with financial services that prioritised members over profit. We are proud to be a part of the global cooperative movement that puts people first, and we're dedicated to providing our members with exceptional products and services while actively contributing to the betterment of our community. Our commitment to community extends beyond the world of finance. We recognise that strong community ties are integral to our past and future success. In financial year 2024-25, over $259,000 was invested in sponsorships, donations and alliance partnerships, demonstrating our commitment to strengthening industries, empowering communities, and supporting those most in need. We believe in the power of collaboration and collective action. We are supporters of the Australian Mutuals Foundation (AMF), helping disadvantaged Australian children and youth, in partnership with Barnardos Australia. The AMF also assists remote and disadvantaged communities in impoverished Southeast Asian and South Pacific countries to alleviate poverty through the creation of sustainable financial co-operatives via a partnership with the Asian Confederation of Credit Unions (ACCU).  We are a member of the Customer Owned Banking Association (COBA), the industry association for Australia’s customer-owned banking institutions, with a vision for more Australians to benefit from a resilient banking sector that is centred on people and communities. As an Associate Member of the Global Alliance for Banking on Values, we are part of a network of values-based financial institutions working to transform the banking system and finance positive economic, social, and environmental impact. We are a member of the Business Council of Co-operatives and Mutuals (BCCM), the peak body for co-operatives and mutuals in Australia, uniting member-owned businesses operating in all industries to increase awareness and recognition of co-ops and mutuals and the important contribution they make to the economy and community. We have recently joined the Regional Banking Investment Alliance, a group of regional banks and supporters fighting for their local communities to ensure that face-to-face banking continues sustainably into the future. These partnerships are examples of how we are fostering cooperation for a prosperous world. Member first approachPutting people first and helping our community are central to our ethos. We strive to help our members and be there for them when they need us most.  We’ve stood by our members through droughts, fires, floods, recessions, industrial disputes, and the hardships of COVID-19. Through our Community Support Loan, special financial support measures, and Protected Action Clause, we continue to support members through challenging times.Award-winning productsOur products continue to be recognised with awards from industry experts for their outstanding value and quality. We offer specially designed products to support first homebuyers, refinances, and essential workers with their path to home ownership.Mutually valuable banking for people and planetAs a member focused, values-driven organisation, acting responsibly and ethically is at the heart of our operations. We are committed to the ongoing promotion and creation of mutual value and strive to make a positive impact for our members and the communities we are part of. It is this sentiment that underpins our Environmental, Social and Governance (ESG) Strategy - Mutually valuable banking for people and planet. Through our ESG Strategy, we have delivered a number of impact initiatives including recycled PVC cards and environmentally conscious collateral, accessible and inclusive service enhancements, our Essential Worker Home Loan, Green Car Loan, Green Upgrades Loan, Worker Support Benefits and our Responsible Banking Policy. We were the first financial institution globally to be accredited under the Mutual Value Measurement (MVM) Framework, developed by the BCCM and researchers at Monash University’s Business School to help mutual organisations measure their total value creation (mutual value) through a set of common dimensions and shared language about measuring and reporting mutual value.Our growth and evolutionWe have always remained true to our proud origins and history, as we continue to evolve and grow through mergers, transformations and the changing financial services landscape. As we reflect on our past and look towards the future, we remain steadfast in our commitment to empowering our members and advancing financial well-being through cooperative values. With this in mind, we’re excited to build on our strong history and create a brighter future, together.  

Important information

2025 Annual Report

2025 was another highly successful year for Unity Bank. Review our financial summary and see how our Member-first approach has made all the difference. Read Now Download If you would like to receive a hard copy of the 2025 Annual Report, please give us a call at 1300 36 2000 or send an email request to mail@unitybank.com.au

Important information

Notice of 2025 Annual General Meeting

Unity Bank Limited ACN 087 650 637 (the Company)Notice of 2025 Annual General Meeting Notice is given that the 66th Annual General Meeting (AGM) of the Company will be held on Tuesday 18 November 2025 at Level 25, 201 Elizabeth Street Sydney NSW 2000, commencing at 3:30pm. Agenda Apologies To receive Unity Bank Limited’s Financial Report, Directors’ Report and Auditor’s Report for the financial year ended 30 June 2025. By Order of the BoardRosanna Argall Company Secretary01 October 2025 How to Participate in the Virtual Meeting This year the AGM will be held via Teams meeting with members able to view presenters, ask questions, make comments and vote on resolutions via electronic poll. Given the nature of the virtual meeting we ask that you send your questions in advance of the meeting by emailing returningofficer@unitybank.com.au at least 48 hours prior to the meeting to ensure they can be answered during the meeting. To participate in the virtual meeting follow these steps: Email your expression of interest to returningofficer@unitybank.com.au by 14 November. You will receive a Teams meeting registration link via return email. Register using the email link provided by 3pm 15 November. You will then receive your own individual Teams meeting link. Click on the individual Teams meeting link or phone in using the contact details provided on 18 November at 3:30pm. Proxy Voting You can appoint a proxy to attend and vote at the AGM on your behalf. The proxy does not have to be a member of Unity Bank. Alternatively, you can appoint the Chair of the Meeting as your Proxy by completing an Appointment of Proxy Form. An Appointment of Proxy form may be obtained by emailing returningofficer@unitybank.com.au or calling 02 9307 5409. To be valid, your completed Proxy Form must reach the Company no later than 48 hours before the AGM. If you have any further enquiries with respect to the AGM please contact us at returningofficer@unitybank.com.au before Monday 17 November 2025. Annual Report This year’s Annual Report will be made available to all members via our website www.unitybank.com.au at least 21 days prior to the AGM. If you are unable to access our website, please contact our Member Service team on 1300 364 400 to arrange a hard copy.