Our Company

We’re proud to be one of the longest-standing financial institutions in the country. Learn about our history, leadership, environmental statement and constitution.

Our Company
Our Company
Heritage is proud of being Australia's largest customer-owned bank, and we're even prouder of our mutual status. It means we don't have shareholders, so when you have a Heritage account you're not just a number; you are one of our owners and can have a voice in how we operate.
Kerry Betros and Peter Lock
Our Directors & Management
Meet the leaders who help make Heritage Bank what it is today.
Our History
Our origins can be traced back to 1875, when the Toowoomba Permanent Building Society was established. 
Constitution
Heritage operates under a constitution. View our constitution to learn more about how we operate.
How we operate
How we operate
All Annual General Meetings
The Annual General meeting is an important event for Heritage. You can find details of the latest Annual General Meeting here and historical meetings.
Environmental, Social and Governance Policy
We have a responsibility to be guardians of our members' financial futures and our commitment to this is outlined in our ESG Policy.
Whistleblowers Protection Policy
We place great importance on fostering a culture that encourages staff and others to speak up about issues and conduct that concern them.
All Prudential Information
See our latest and historical Basel III Pillar 3 Disclosure - Prudential Standard APS 330 reports.
Customer Owned Banking
We're part of a movement that began in Australia over 150 years ago, when groups of like-minded workers and communities came together to create building societies, credit unions and mutual banks.
Member Commitment
We reward our members for their loyalty and we're committed to helping our members through good times and times of hardship.
Careers at Heritage Bank
View current job opportunities and find out more about why Heritage is a great place to work.