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
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.
October 9, 2025: The Regional Banking Investment Alliance (RBIA) has welcomed the newly merged G&C Mutual Bank and Unity Bank to their group advocating for a community service obligation (CSO) to keep regional bank branches open.
The advocacy group recently presented a cost sharing model to the government and Treasury, proposing banks contribute to a fund to help subsidise some of the staff costs in maintaining face-to-face services in regional and remote areas of Australia.
The cost sharing model presented by the alliance of regional banks has gained momentum, including interest from a number of banks outside the group. Unity Bank CEO, Danny Pavisic said the model has potential to make a real difference in regional communities.
“We service members across the country who value the ability to be able to go into one of our service centres and speak to real people, with real advice and real solutions. The cost sharing model proposed by the RBIA allows regional banks a realistic opportunity to not only keep their current face-to-face services but to ensure the ongoing financial inclusion of those living in regional areas”, said Mr Pavisic.
CEO of Queensland Country Bank and RBIA spokesperson, Aaron Newman highlighted the struggle that regional banks can face: “We are passionate about servicing our local communities and keeping the profits local, but it’s really tough when we are competing against giants, who are not doing the same.
“Around 30% of transactions in our banks lead to pass through banking, seriously disadvantaging our ability to compete and expand. We just want the banks who are neglecting the regions to pay their fair share in keeping face-to-face services alive.”
The CSO initiative would be funded by the banking industry via existing financial sector levies and amount to around $153 million, or 0.17% of the total operating income of the major banks.
Under the RBIA proposal, bank branches receiving the CSO contribution would need to meet criteria that the community generally expects from retail branch services, such as cash handing, home loans, transaction accounts, and term deposit management, as well as trained staff to offer advice and support.
The contribution would be directly linked to trained full time employees, ensuring face-to-face services are maintained.
With the inclusion of the G&C Mutual Bank and Unity Bank brands, the RBIA includes member banks across New South Wales, Queensland, Victoria, the Northern Territory, South Australia and Western Australia.
More information can be found at: https://rbialliance.com.au/
In a further step toward advancing our Environmental, Social, and Governance (ESG) Strategy, Mutually valuable banking for people and planet, we are pleased to launch two new purpose-driven products designed to help members reduce their environmental impact.
We believe sustainable choices should also be affordable choices. Our Green Car Loan and Green Upgrades Loan are the latest additions to our impact product suite, making it easier for our members to take meaningful steps toward reducing emissions and saving on energy costs.
“As a mutual bank, we exist to create value for our members and their communities - not shareholders,” said Danny Pavisic, Unity Bank Limited CEO. “These new products reflect our commitment to helping members make positive, practical changes for a more sustainable future.”
Green Car Loan
Our Green Car Loan features a competitive fixed interest rate and reduced fees to support the purchase of eligible hybrid or electric vehicles. It is designed to make lower-emissions transport more accessible for members ready to make the switch.
Green Upgrades Loan
Our Green Upgrades Loan is a personal loan offering a competitive variable interest rate and reduced fees to help members invest in energy-efficient home improvements such as solar panels, insulation, efficient heating and cooling systems, rainwater tanks, and more. Members who already have their home loan with us are eligible for a further discounted interest rate on our Green Upgrades Loan.
These products directly support our ESG strategy, with a focus on reducing financed emissions, promoting environmental responsibility, and empowering members to take practical climate action in their everyday lives.
“We know many of our members want to make greener choices, but cost can be a barrier,” Danny continued. “By offering these loans with competitive rates and fees, we’re helping to remove that barrier - and support more sustainable communities.”
These new offerings align with our broader commitment to environmental responsibility, social impact and financial inclusion. The first impact product delivered under our ESG Strategy was our Essential Worker Home Loan, winner of the 2024 Finder Innovation Award in the Social Impact Innovation category. Designed to recognise the contribution essential workers make to the community by supporting their home ownership journey with a value and feature packed product, it has been very successful in terms of supporting our essential worker community, delivering social impact, driving loan growth and attracting new to bank members aligned to this cohort.We believe these new products will help to further retain and attract values-aligned members, contribute to our sustainable growth, assist with reporting metrics around green funding and financed emissions, but most importantly, support members who want to play an active role in shaping a cleaner, greener future.
Manage your daily transaction limits directly in Online Banking for a range of payment types, including BPAY, external transfers, international transfers, and OSKO payments. Whether you’re increasing a limit for a one-off payment or lowering a limit to enhance your account security, it’s now quick and easy to adjust to suit your own individual payment needs.
Benefits include:
Adjust your limits instantly, anytime, via Online Banking
Set limits that suit your personal transaction needs
Lower limits to reduce your exposure to fraud or unauthorised transactions
To learn how it works and view frequently asked questions, visit our Daily Transaction Limits page.
Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 26 August 2025. The key change is to the existing transaction limits section, to accommodate the new feature enabling members to manage their own daily transaction limits within Online Banking.
While we have provided an overview of the key change, we recommend you take the time to read through the updated Account and Access Facilities Terms and Conditions, to familiarise yourself with the changes and understand how they may impact you.
By using your account and access facilities after the date the changes take effect, you agree to the updated terms and conditions applying.
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If you have any questions or concerns, please contact us.
