big-4-banks

Australian Bank Mergers and Acquisitions: Who owns my bank?

Find out the story behind each bank and how they came to be.

Ownership of banks and lenders has become more concentrated in recent years. In essence, the big banks own more of the pie than ever before. Although the obvious outlier in this is ANZ, which hasn’t made any significant acquisitions of local smaller lenders or competitors.

For consumers looking out for a better deal, it may be of concern that many of the alternative lenders are actually owned by the big three banks; Commonwealth Bank, Westpac and NAB. It seems the banking Goliaths are closing the net on the whole market. In this article, we give you the full scoop on who owns what in Australian banking.

At a glance: Overview of Australian banking ownership

Commonwealth BankWestpacNABBank of QueenslandBendigo Bank
BankwestRAMSUBankVirgin MoneyAdelaide Bank
Aussie (as a major shareholder)St.George
BankSA
Bank of Melbourne

As it happened: The history behind the conquests

UBank becomes a part of NAB

As part of NAB, UBank can utilise the financial strength and global capabilities of one of Australia's big four banks. Established in 2007, UBank is dominantly an online bank and has no branches. It's focus has been taking care of it's customers and community with convenient and easy-to-use banking products.

Rates last updated December 11th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
NAB Gold Banking
Enjoy unlimited access to your money with no service charge plus no fee for transactions in foreign currencies.
Visa $0 $5,000 No monthly account fees. Enjoy unlimited access to your money with no service charge plus no fee for transactions in foreign currencies. More
NAB Classic Banking
Tap and Pay with your Android Phone using NAB Pay.
No minimum deposit required.
Visa $0 $0 No monthly account fees, ever. Free use at over 3,400 NAB and RediATMs Australia wide and $0 overdrawn fees. More
NAB Personal Overdrafts
Whenever you need a little extra money now and then.
Visa $0 $0 No application fee but a bi-annual fee applies. More
NAB Retirement Account
A retirement account with easy access to your money.
Visa $0 $0 No monthly fees with no overdrawn fees and unlimited transactions at NAB or RediATMs. More

BankSA bought by St.George

However, they were bailed out by the government thanks to the guarantee. At the time the bank was split in two, with one side retaining all the non-performing loans while the other bank kept the good debts. The latter was acquired by Advance Bank in 1992. It was then bought out by St.George.In 1992, St.George Bank acquired the Bank of South Australia. The latter was a merger of the State Bank of South Australia and the Savings Bank of South Australia, which were both guaranteed by the government. The bank collapsed after having given out too many loans in the 80s that didn't have enough security.

After it was bought out, BankSA was still run as a separate organisation by both Advance Bank and St.George. The bank continues to operate as a separate brand, even after Westpac bought out St.George and has 55 branches in metropolitan Adelaide, 66 in rural South Australia, four in the Northern Territory and one in Queensland. Overall, the bank has more than 121 branches in South Australia, which means it has a more powerful presence than any other bank in the region.

RAMS goes to Westpac while RHG is left behind

However, this was not the end for RHG. In February 2008, they made a deal with the National Australia Bank (NAB) and sold them home loans worth approximately $1 billion. NAB had previously been the company's banker. While RHG continued to manage these mortgages until April 2009, these loans were transferred to Anchorage Home Loans management. Anchorage Home Loans is a subsidiary that is fully owned by NAB.RAMS Home Loans has trouble with funding at the end of 2007 due to the credit crunch.

This led to a dramatic fall in share price that gave Westpac an opportunity to forward an offer, which they did. The following January, the transaction went through, with Westpac paying $140 million for RAMS' distribution business. The latter was comprised of 99 stores that were owned and run by 54 franchisees. While the acquisition did not include RAMS Home Loans Group as a whole or the company's mortgage book, Westpac purchased the 'RAMS' brand. This meant that what was left of the company had to change its name to RHG.

Ever since it changed its name, RHG has had a lot of bad press. The company was involved in a very public test case legal action that was led by the Consumer Action Law Centre for Emily Hamilton regarding exit fees. Hamilton stated that she had to pay early termination fees that were too high to refinance her mortgage, despite the fact that RHG increased interest rates well above the RBA's headline rate and significantly in excess of what the rest of the market has done.

A confidential settlement was reached in January 2009, but the Consumer Action Law Centre claimed that they had been contacted by approximately 100 other people claiming they had similar problems with RHG.

However, the problems didn't end here. Sometime around the middle of 2012, ASIC had to intervene after receiving a significant degree of complaints. The result was that more than 6,400 customers received refunds totalling more than $3.3 million representing early termination and discharge fees. RHG also agreed to lower its discharge fees on the loans it already held and to remove early termination fees in a staggered manner.

Clients weren't the only ones who were displeased. Towards the end of 2009, a group of shareholders voiced their displeasure, demanding that a board member be removed from their position. They also wanted improved communication and a higher return on their investment. As if that wasn't enough, the company's creditors weren't all that happy either, which led to RHG being the target of numerous court proceedings.

In regards to RAMS, at the beginning of 2010, Westpac decreased the size of the RAMS Home Loan business. The result was that financial products under the RAMS brand name were only available to customer via RAMS franchisees and the lending conditions became much stricter.

Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Westpac eSaver Account - for migrants
Introductory rate of 2.95% p.a. for 5 months, reverting to a rate of 1.50% p.a. Available on the entire balance.
2.95% 1.50% 1.45% $0 $0 / $0 Open More
Westpac eSaver
Introductory rate of 2.71% p.a. for 5 months, reverting to a rate of 1.25% p.a. Available on the entire balance.
2.71% 1.25% 1.46% $0 $0 / $0 Open More
Westpac Reward Saver
Ongoing, variable 1.85% p.a. when you deposit at least $50 and make no withdrawals each month. Available on the entire balance.
1.85% 0.01% 1.84% $0 $0 / $0 Open More
Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
RAMS Saver Account
Ongoing, variable 3.15% p.a. when you deposit $200+ each month and make no withdrawals. Available on balances up to $500,000.
3.15% 1.50% 1.65% $0 $0 / $0 More
Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
St.George Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.05% p.a. Available on balances below $5,000,000.
3.00% 1.05% 1.95% $0 $1 / $1 More
St.George SENSE
A combined transaction account and savings account to help you save.
1.25% 1.25% $5 / $1 More
St.George DIY Super Saver
Earn a competitive interest rate on your superfund.
2.25% 1.00% 1.25% $0 $0 / $0 More
St.George Incentive Saver
Ongoing, variable 1.85% p.a. when you make at least one deposit and no withdrawals. Available on the entire balance.
1.85% 0.01% 1.84% $0 $0 / $1 More
St.George Investment Cash Account
Ongoing, variable 0.45% p.a.. Available on balance $500,000 and over.
0.45% 0.45% 0.00% $0 $500,000 / $0 More
St.George Business Access Saver
Ongoing, variable 0.75% p.a. when you link to a St.George business transaction account. Available on the entire balance.
0.75% 0.75% 0.00% $0 $0 / $0 More
Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
BankSA Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.05% p.a. Available on the entire balance.
3.00% 1.05% 1.95% $0 $1 / $1 Open More
BankSA Incentive Saver Account
Ongoing, variable 1.85% p.a. when you make at least one deposit each month and no withdrawals. Available on the entire balance.
1.85% 0.01% 1.84% $0 $0 / $0 Open More
BankSA Investment Cash Account
Ongoing, variable 0.45% p.a. Available on the entire balance.
0.45% 0.45% 0.00% $0 $500,000 / $10,000 More
BankSA DIY Super Saver
Introductory rate of 2.25% p.a. for 3 months, reverting to a rate of 1.00% p.a. Available on entire balance.
2.25% 1.00% 1.25% $0 $1 / $1 More
BankSA Business Access Saver
Ongoing, variable 1.00% p.a. when you link to a business transaction account. Available on the entire balance.
1.00% 1.00% 0.00% $0 $0 / $0 More

St.George and Westpac merge

St.George and Westpac began talking of merging in May 2008 and received approval from the ACCC by August of the same year. They also needed approval from the Federal Treasury for the merger, which they received in October. On November 13th, shareholders agreed with the merger, with the vote revealing an overwhelming majority were in favour of the move. In fact, approximately 95 per cent of the votes were for the merger.

This merger led to the creation of one of the biggest companies in Australia, with a 25 per cent market share of the mortgage market and 10 million customers. The new entity would retain all Westpac and St.George brands, including Asgard and Bank SA, as well as all the branches and ATM networks.From the deal, St.George shareholders had their shares converted into Westpac stock at a rate of 1 to 1.31 Westpac shares. Thus, St.George's shareholders ended up owning approximately 28.1 per cent of the new, merged organisation. St.George became a subsidiary fully owned by Westpac.

St.George customers in Victoria saw their branches, ATMs, credit cards, cheque books and accounts rebranded with Bank of Melbourne, after an announcement of the move in March of 2011. The Bank of Melbourne brand was one that Westpac purchased in 1997 and then slowly absorbed into their operation between 2004 and 2006. The launch of the 'new' bank was supposed to take place in August of 2011, though some branches opened in July.

If you are a Westpac, Bank of Melbourne, St.George, or Bank SA customer, you can use any of the ATMs that are in the group's network without having to pay any extra fees.


Adelaide Bank and Bendigo Bank unite

On August 9th, 2007, the Adelaide Bank agreed to a merger with Bendigo Bank, after the latter rejected a merger offer from Bank of Queensland. On November 12th, 2007, more than 98 per cent of the Adelaide Bank Ordinary Shareholders voted in favour of the merger. The merger was approved on Friday, the 16th of November by the Federal Courts. The implementation date of the merger was the 30th of November.Adelaide Bank was founded on January 1st, 1994, from the merger of Australia's biggest building society, the Co-operative Building Society of South Australia Limited with the Hindmarsh Building Society.

In March of 2008, the shareholders of the merged bank voted to officially change the organisation's name to Bendigo and Adelaide Bank Limited.

Currently, the Bendigo and Adelaide Bank Group has more than 82,000 shareholders and has four different brands. Thus, the retail side of the business operates under the Bendigo Bank brand, which offers banking and wealth management services to private individuals as well as small and medium businesses.

Before the merger, Bendigo Bank offered the market their products and services via almost 900 outlets all over the country, which included 160 branches, 220 community owned Community Bank branches, 100 agencies and 400 Elders outlets. After the merger, the bank owns more than 400 branches, which includes the 25 branches from Adelaide Bank.

Via Adelaide Bank, the group offers home loans to a large number of Australians, while Adelaide Portfolio Lending offers funding to aged care and third party credit providers.

Currently, Bendigo and Adelaide Bank manages assets worth more than $52.1 billion and market capitalisation of approximately $3.3 billion.

Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Bendigo Bank EasySaver Account
Ongoing, variable 1.25% p.a. when you link to Bendigo Bank transaction account. Available on the entire balance.
1.25% 1.25% 0.00% $0 $1 / $1 More
Bendigo Bank CommunitySaver Account
Ongoing, variable 1.25% p.a.. Available on the entire balance.
1.25% 1.25% $0 $0 / $1 More
Bendigo Bank PiggySaver Account
Ongoing, variable 1.25% p.a. .Available on the entire balance. Designed for kids under 12.
1.25% 1.25% 0.00% $0 $0 / $1 More
Bendigo Bank Christmas Club Account
Ongoing, variable 0.25% p.a.. Available on the entire balance.
0.25% 0.25% 0.00% $0 $0 / $1 More

Bankwest snapped up by Commonwealth Bank

If you are a Bankwest customer, you can now use ATMs from CBA's network without having to pay ATM fees. The reverse also applies.Bankwest, also known as the Bank of Western Australia Ltd, was bought out by the Commonwealth Bank of Australia in October 2008. After the acquisition, Standard & Poor's increased Bankwest's credit rating.

Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Commonwealth Bank NetBank Saver
Introductory rate of 2.70% p.a. for 3 months, reverting to a rate of 1.25% p.a. Available on balances up to $5,000,000.
2.70% 1.25% 1.45% $0 $0 / $1 More
Commonwealth Bank Goal Saver Account
Ongoing, variable 1.95% p.a. rate when you deposit at least $200 p/m with no withdrawals. Available on balances up to $100,000.
1.95% 0.01% 1.94% $0 $0 / $0 More
Commonwealth Bank Youthsaver Account
Ongoing, variable 2.30% p.a. when you make at least one deposit with no withdrawals each month. Available on the entire balance.
2.30% 0.01% 2.29% $0 $0 / $0 More
Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.65% 0.01% 2.64% $0 $0 / $0 Open More
Bankwest TeleNet Saver
Introductory rate of 2.75% p.a. for 4 months, reverting to a rate of 1.50% p.a. Available on balances below $5,000,000.
2.75% 1.50% 1.25% $0 $0 / $1 More
Bankwest Smart eSaver
Ongoing, variable 2.10% p.a. when you link to a Bankwest transaction account and make no withdrawals. Available on balances up to $500,000.
2.10% 0.01% 2.09% $0 $0 / $1 More
Bankwest Kids' Bonus Saver
Ongoing, variable 4.75% p.a. when link to a Bankwest Children's Savings Account and you deposit $25+ each month. Available for children under the age of 15.
4.75% 0.01% 4.74% $0 $0 / $0 More

Aussie Home Loans green-lit for CBA to acquire

The ACCC stated that it would not stand against the purchase in September 2008 and the sale went through on the 31st of October, 2008. Aussie's daily operations would not be affected, which included offers a mortgage-broking service for a number of lending companies, including CBA.The Commonwealth Bank of Australia purchased a third of Aussie Home Loans close to the end of 2008. The bank named it a strategic move that was meant to help them increase their market share of the home loan sector. Aussie's expectations were to get a bit more financial strength.

CBA were then further cleared to proceed with their plans to fully acquire Aussie on March 21st, when the Australian Competition & Consumer Commission issued a public statement that it would not challenge the Commonwealth Bank if it chose to buy the remaining 67% stake in AHL Holdings Pty Limited (Aussie Home Loans).

Wizard

The ACCC approved the acquisition on the 24th of February, 2009 and, three days later, Wizard's broking business came under new ownership. Mark Bouris, now famous for hosting the popular Australian spin-off of The Apprentice, created Wizard in 1996 — a home loan lender. It was sold in 2004 to GE Money. Subsequently, in 2008, GE Money was in negotiations to sell Wizard to NAB but a better offer from Aussie saw Wizard going to the latter. GE Money's goal was to remove itself from the home lending market in the area.

The sale of Wizard also saw $4 billion of prime loans that were previously funded by Wizard going to CBA. The loans that CBA did not buy remained with GE Money and were rebranded as AMS Mortgage Services loans because the Wizard name was now owned by Aussie. AMS Mortgage Services is a GE Money subsidiary.

GE Money let home loan holders know that any mortgages they held would continue to be services as normal. However, they also let home loan holders know that they would not be able to ignore the serious rate cuts the RBA were making as some other lenders were doing and if their customers wanted to refinance through Aussie to go to another lender, they would not be required to pay a Deferred Administration Fee. Waiving this fee was an Aussie requirement when they purchased the Wizard home loans business.


Community First rebrands to Beyond Bank

Prior to becoming a bank, Beyond Bank traded (and still does) under the name of Community CPS Australia, one of the Australia's largest credit unions. In ACT and South Australia, it operated as Community CA Australia, as Alliance one in regional northern South Australia, Wagga Mutual Union and Companion credit union in NSW and in Western Australia, United Community Credit Union.

A wholly owned subsidiary of Community CPS Australia, Eastwoods, used to operate through these regions for areas like financial planning, accounting and taxation.

While these certainly won't be the last movements we see in the banking sector, they were the most notable of recent years. Further concentration of banking ownership is inevitable. So, don't be surprised if you receive a letter telling you that your current bank has come under new ownership. Australian banks are more profitable than ever. More than ever, they have the cash to act on their expansion ambitions. So it is no surprise that the ownership conquests as outlined above have occurred. Nor is that the end of their expansionary moves.

Rates last updated December 11th, 2016
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Beyond Bank Community Reward Savings Account
Ongoing, variable 1.40% p.a.. Available on balance $200,000 plus
1.40% 1.40% 0.00% $0 $200,000 / $0 More
Beyond Bank Christmas Club Savings Account
Ongoing, variable 0.75% p.a.. Available on the entire balance.
0.75% 0.75% 0.00% $0 $0 / $0 More
Beyond Bank monEsaver Account
Ongoing, variable 2.10% p.a. when you link a second account with Beyond Bank that allows for internal transfers between accounts. Available on balance $200,000 plus.
2.10% 2.10% $0 $200,000 / $0 More

Regardless, banks will continue to buy each other out and merge with each other as it suits them to acquire greater market share and more power, but that is simply the nature of the beast. Let us just hope that these mergers and buyouts can occur to the benefit of Australian consumers and not the our detriment.

Adrian Barclay

Adrian spends most of his working hours writing about home loans and everything property, as well as interviewing finance experts.

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38 Responses to Australian Bank Mergers and Acquisitions: Who owns my bank?

  1. Default Gravatar
    Zihad | May 18, 2016

    Who owns IMB

    • Staff
      Anndy | May 19, 2016

      Hi Zihad,

      Thanks for your question.

      The Illawarra Mutual Bank (IMB) has an ownership model that is structured as a mutual bank and thus it is member-owned. IMB is regulated by the Australian Prudential Regulation Authority (APRA) and is a member of the Customer Owned Banking Association which represents mutual banks, building societies and credit unions across Australia.

      Cheers,
      Anndy

  2. Default Gravatar
    Steve | April 19, 2016

    Hi,
    Just wondering whatever happened to Mutual Community Building Society, I know the health insurance division is now Bupa, but don’t know what happened to the building society arm.
    Thanks.

    • Staff
      Shirley | April 20, 2016

      Hi Steve,

      Thanks for your question.

      Unfortunately there’s not much information available to the public about what happened to Mutual Community Build Society. I’d recommend that you give ASIC a call on 1300 300 630 as they would be able to provide further assistance.

  3. Default Gravatar
    Anna | March 15, 2016

    Who does ME Bank belong to? as I see they have the best interest rate at the moment.

    • Staff
      Shirley | March 16, 2016

      Hi Anna,

      Thanks for your question.

      ME is owned by industry super funds and isn’t owned by a specific bank.

  4. Default Gravatar
    Alan | November 6, 2015

    Who owns Illawarra Mutual Bank?
    Sydney Bank?
    RABO?
    Suncorp?
    Many thanks
    Al.

    • Staff
      Belinda | November 12, 2015

      Hi Alan,

      Thanks for your enquiry.

      Illawarra Mutual Bank (IMB)’s ownership model is structured as a mutual bank and thus it is member-owned.

      IMB is regulated by the Australian Prudential Regulation Authority (APRA) and is member of the Customer Owned Banking Association which represents mutual banks, building societies and credit unions across Australia.

      Thanks,
      Belinda

  5. Default Gravatar
    Renie | November 4, 2015

    Hi ty for you time, my question is, is the WeRe bank real an is it in operation in australia

    • Staff
      Shirley | November 4, 2015

      Hi Renie,

      Thanks for your question.

      Were Bank is not registered with ASIC, so it’s not an authorised deposit-taking institution. In this case we’d recommend that you speak ASIC about it’s operation in Australia.

      Cheers,
      Shirley

  6. Default Gravatar
    Max | November 4, 2015

    Hi,

    I am living overseas and returning to Australia soon.

    If I owe money to an overseas bank that has no connection with any of the Australian Banks, can the overseas bank freeze my Australian bank account in the event that I am unable to pay my debts to the overseas bank ??? I’m presuming that in order to do so they would first have to apply to an Australian court for permission to do so ??? I am I right in presuming that ???

    Also, if an overseas bank approaches an Australian Bank about me, are the Australian Banks obliged to decline the request for information from an overseas bank ???

    Thanks.

    • Staff
      Shirley | November 4, 2015

      Hi Max,

      Thanks for your question.

      You will need to disclose all of your debts on your statement of affairs with the Australian bank. Many overseas creditors have provable claims and are entitled to participate in the voting process and, if the debt agreement proposal is accepted, you may be liable to pay back the debt.

      Whether or not you are released from overseas debts at the end of your debt agreement will depend on the relevant laws in the country in which the contract was executed. This might mean, for example, that a creditor from overseas receives a portion from your debt agreement but you are still liable to pay the balance after your debt agreement.

      For more information, please speak to the Australian Financial Security Authority.

      Cheers,
      Shirley

  7. Default Gravatar
    Hassan | August 14, 2015

    Has westpac anything to do with hsbc in terms of ownership?

    • Staff
      Marc | August 17, 2015

      Hi Hassan,
      thanks for the great question!

      HSBC owns a relatively small stake in Westpac (about 17% as of 2014).

      I hope this helps,
      Marc.

  8. Default Gravatar
    robert | August 14, 2015

    who own bank of queensland

    • Staff
      Elizabeth | August 17, 2015

      Hi Robert,

      Thanks for your question.

      Bank of Queensland has not been acquired by any other financial institution and remains a publicly traded company listed on the ASX.

      I hope this has helped.

      Thanks,

      Elizabeth

  9. Default Gravatar
    charles | July 21, 2015

    I’ve been told recently that ANZ own Bendigo Bank, but I haven’t found anything confirm it. I’d be grateful for your comment on this.

    • Staff
      Belinda | July 23, 2015

      Hi Charles,

      Thanks for your enquiry.

      I can confirm that Bendigo bank is not owned by ANZ. Rather, Bendigo bank is owned by ‘Bendigo and Adelaide Bank’.

      Thanks,
      Belinda

  10. Default Gravatar
    Martin | July 16, 2015

    Who owns bankmecu?

    • Staff
      Belinda | July 17, 2015

      Hi Martin,

      Thanks for your enquiry.

      Bankmecu is an Australian customer owned responsible bank that’s owned by mecu Ltd 2012.

      Thanks,
      Belinda

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