A building society is a financial institution owned by its members as a mutual organization, which offers banking and related financial services, especially savings and mortgage lending. They exist in the United Kingdom, Australia and New Zealand, and formerly in Ireland and several Commonwealth countries, including South Africa as mutual banks. They are similar to credit unions, but rather than promoting thrift and offering unsecured and business loans, the purpose of a building society is to provide home mortgages to members. Borrowers and depositors are society members, setting policy and appointing directors on a one-member, one-vote basis. Building societies often provide other retail banking services, such as current accounts, credit cards and personal loans. The term "building society" first arose in the 19th century in Great Britain from cooperative savings groups.
Kiwibank Limited is a New Zealand state-owned bank and financial services provider. As of 2023, they are the fifth-largest bank in New Zealand by assets, and the largest New Zealand-owned bank, with a market share of approximately 9%.
ICICI Bank Limited is an Indian multinational bank and financial services company headquartered in Mumbai with registered office in Vadodara. It offers a wide range of banking and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of investment banking, life, non-life insurance, venture capital and asset management.
The Australian financial system consists of the arrangements covering the borrowing and lending of funds and the transfer of ownership of financial claims in Australia, comprising:
Banking in Australia is dominated by four major banks: Commonwealth Bank, Westpac, Australia & New Zealand Banking Group and National Australia Bank. There are several smaller banks with a presence throughout the country which includes Bendigo and Adelaide Bank, Suncorp Bank, and a large number of other financial institutions, such as credit unions, building societies and mutual banks, which provide limited banking-type services and are described as authorised deposit-taking institutions (ADIs). Many large foreign banks have a presence, but few have a retail banking presence. The central bank is the Reserve Bank of Australia (RBA). The Australian government’s Financial Claims Scheme (FCS) guarantees deposits up to $250,000 per account-holder per ADI in the event of the ADI failing.
Deposit insurance or deposit protection is a measure implemented in many countries to protect bank depositors, in full or in part, from losses caused by a bank's inability to pay its debts when due. Deposit insurance systems are one component of a financial system safety net that promotes financial stability.
HSBC Bank Australia Limited is the Australian subsidiary of HSBC. The bank offers a wide range of financial services in Australia through a network of 36 branches and offices. These services include retail and commercial banking, financial planning, trade finance, treasury, and financial markets, payments and cash management, and securities custody.
Great Southern Bank is a customer-owned bank based in Brisbane, Queensland, Australia. As of 2013, it is the largest Credit Union in Australia. It provides banking and insurance services to 420,000 customers in 2021.
Financial institutions in Australia are only permitted to accept deposits from the public if they are authorised deposit-taking institutions (ADIs). The ADI’s authority is granted by the Australian Prudential Regulation Authority (APRA) under the Banking Act 1959 (Cth).
Qudos Mutual Limited, t/a Qudos Bank, is an Australian mutual bank that provides retail banking products and services, including home loans, personal loans, car loans, credit cards, savings, financial planning assistance, and foreign exchange.
IMB Bank is an Australian mutual bank established in 1880. In 2020, IMB Bank was voted by Forbes as one of the World's Best Banks, and, in 2022, was found by financial services research company Canstar to have Australia's Most Satisfied Customers for both the Bank and Mutual Bank categories.
First Home Saver Accounts (FHSAs) were a 2007 election policy of the Australian Labor Party. FHSAs were offered from 1 October 2008 after a consultation period and passage of the First Home Saver Account Act 2008 through the Parliament of Australia.
Beyond Bank is an Australian customer-owned bank operating in South Australia, Victoria, the Australian Capital Territory, Western Australia and New South Wales. It provides financial services to its members, including savings and business accounts, term deposits, loans, insurance and financial planning, and has total assets under management of more than $5 billion. It is a certified B Corp.
Financial regulation in Australia is extensive and detailed.
Heartland Bank is a New Zealand owned bank that was created in 2011 through the merging of four financial organisations. Heartland was granted its bank registration by the Reserve Bank of New Zealand in 2012. It specialises in motor vehicle loans, reverse mortgages, small business finance, livestock finance, savings, investments and deposits.
BankVic is an Australian member-owned mutual bank. It was founded as the Police Association Credit Co Operative, commonly known as Police Credit or Police Credit Co-Op, by police officers in 1974 as a credit union. On 1 June 2013, Police Credit became BankVic. It now serves police and other emergency services employees, people in the health industry and other public servants, as well as their families and friends.
Greater Bank is an Australian customer-owned bank and now a brand of Newcastle Greater Mutual Group, an organisation formed through the merger between Greater Bank and Newcastle Permanent Building Society.
P&N Bank is a division of Police & Nurses Limited and is an Australian customer-owned bank based in Western Australia. Operating under a mutual model, P&N Bank provides retail banking services such as home loans, savings accounts, and insurance services. The bank has a network of branches throughout greater Perth and Bunbury and has a Perth based Contact centre which is open 6 days a week.
Hume Bank is an Australian bank. Headquartered in Albury, New South Wales, it is a customer-owned bank that started as a building society in 1955. Its business focus is on retail banking and assisting local economic development.
A$2 billion (2019) [1] 
