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AU 2221 | Enterprise Profile

Bendigo & Adelaide Bank Limited

IW
IBISWorld Research Department
Analyst Australia

Bendigo & Adelaide Bank is a Public Company that generates the majority of its income from the National and Regional Commercial Banks industry. In 2025 the company generated total revenue of $5,280,700,000 including sales and other revenue. In 2025 Bendigo & Adelaide Bank had 4,762 employees including employees from all subsidiaries under the company's control. The Chief Executive of Bendigo & Adelaide Bank is Mr Richard Fennell whose official title is Managing Director & Chief Executive Officer. The Chairman of Bendigo & Adelaide Bank is Ms Vicki Carter whose official title is Non-Executive Chairman. Bendigo & Adelaide Bank Limited provides a range of banking and other financial services via a network of brands, including: Adelaide Bank - wholesale banking business providing home loans via the mortgage broker and mortgage manager market. Bendigo Bank - specialised in retail banking that provides banking and wealth management services to small to medium businesses and individuals. Rural Bank - provides banking services targeted to the farming sector. Up - a cloud-hosted bank targeting young Australians. Leveraged - margins lending and accounts management firm. Community Enterprise Foundation - provides banking services to community and not-for-profit organisations.

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What's included in this industry analysis

IBISWorld's research coverage on the Bendigo & Adelaide Bank Limited includes market sizing, forecasting, data and analysis. The most recent publication will be as current as of March 2026.

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Company Details

What’s this enterprise profile about?

Bendigo & Adelaide Bank Limited, trading as Bendigo & Adelaide Bank, operates under the ABN 11 068 049 178 and was incorporated on 01 July 1995. Bendigo & Adelaide Bank Limited trades on the Australian Securities Exchange under the ticker code ASX:BEN. Bendigo & Adelaide Bank Limited primarily operates in the National and Regional Commercial Banks industry in Australia.

Key Personnel

What’s included in the Key Personnel chapter?

The Key Personnel chapter outlines the principal leadership positions within Bendigo & Adelaide Bank Limited, including the Chairman, Board members, Chief Executive Officer, and other key management personnel. It provides an overview of the company’s governance and executive structure, along with a breakdown of gender diversity across leadership roles, offering insight into the composition of the organisation’s senior team.

Financials

What’s included in the Financials chapter?

The Financials chapter presents Bendigo & Adelaide Bank Limited’s historical financial performance, including detailed profit and loss statements outlining sales revenue, cost of sales, and profitability. It also incorporates balance sheet data, providing a breakdown of assets and liabilities, as well as additional financial metrics such as the number of shares on issue. Together, these disclosures offer a comprehensive view of the company’s financial position and performance over time.

Growth & Ratios

What’s included in the Growth & Rations chapter?

The Growth & Ratios chapter provides historical data on key financial performance indicators, enabling an assessment of the company’s operational efficiency, profitability, and financial structure over time. Metrics covered include return on equity, return on assets, profit margins, revenue per employee, as well as gearing and leverage ratios, offering a comprehensive view of performance trends and capital management.

Operating Segments

What’s included in the Operating Segments chapter?

The Operating Segments chapter provides an overview of the revenue composition and asset allocation across the various industries in which Bendigo & Adelaide Bank Limited operates. It offers insights into how the company’s financial performance is distributed among its core business segments, highlighting the relative contribution of each industry to total revenue.

Competitor Benchmarking

What’s included in the Competitor Benchmarking chapter?

The Competitor Benchmarking chapter includes a comparative assessment of Bendigo & Adelaide Bank Limited’s key financial, growth, and valuation ratios against industry averages to evaluate its competitive position. It analyses valuation metrics such as price-to-earnings, price-to-book, enterprise value to EBITDA, and enterprise value to sales, alongside core financial indicators including liquidity ratios and profitability measures.

Industries of Operation

What’s included in the Industries of Operation chapter?

The Industries of Operation chapter outlines Bendigo & Adelaide Bank Limited’s market share across the industries in which it operates. Each industry profile includes a comprehensive overview featuring data on total market size, the number of enterprises, industry concentration levels, and overall turnover. This analysis provides context for the company’s competitive position and scale within each relevant market.

Shareholders

What’s included in the Shareholders chapter?

The Shareholders chapter provides a breakdown of the ownership structure of Bendigo & Adelaide Bank Limited, identifying key shareholders and outlining their respective ownership interests. This section offers insight into the concentration of shareholdings, the presence of institutional or strategic investors, and the overall distribution of equity within the company.

Subsidiaries

What’s included in the Subsidiaries chapter?

The Subsidiaries chapter provides an overview of the companies and business entities that are wholly or partially owned by Bendigo & Adelaide Bank Limited. It outlines the ownership structure of each subsidiary, offering insight into the broader corporate group and how these entities contribute to the company’s overall activities and performance.

History

What’s included in the History chapter?

The History chapter presents a overview of Bendigo & Adelaide Bank Limited’s development, highlighting key milestones and significant corporate events since its incorporation. It includes the company’s incorporation date and outlines major strategic, operational, and structural developments, providing context for its evolution and current market position.

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Frequently Asked Questions

What is Bendigo & Adelaide Bank Limited?

Bendigo & Adelaide Bank Limited provides a range of banking and other financial services via a network of brands, including: Adelaide Bank - wholesale banking business providing home loans via the mortgage broker and mortgage manager market. Bendigo Bank - specialised in retail banking that provides banking and wealth management services to small to medium businesses and individuals. Rural Bank - provides banking services targeted to the farming sector. Up - a cloud-hosted bank targeting young Australians. Leveraged - margins lending and accounts management firm. Community Enterprise Foundation - provides banking services to community and not-for-profit organisations.

What industry does Bendigo & Adelaide Bank Limited operate in?

Bendigo & Adelaide Bank Limited, trading as Bendigo & Adelaide Bank, is a Public Company that generates the majority of its income from the National and Regional Commercial Banks industry in Australia.

Where is Bendigo & Adelaide Bank Limited located?

Murray Cod Australia Limited company is based at 22-44 Bath Lane, Bendigo, Victoria, Australia.

Who is the CEO of Bendigo & Adelaide Bank Limited?

The Managing Director & Chief Executive Officer of Bendigo & Adelaide Bank Limited is Vicki Carter and the Managing Director & Chief Executive Officer is Richard Fennell.

What was Bendigo & Adelaide Bank Limited’s revenue in 2025?

In 2025, Bendigo & Adelaide Bank Limited generated total revenue of approximately $5.3 billion.

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