Australia · Financial institution
Bendigo and Adelaide Bank Limited
Bendigo and Adelaide Bank Limited is an Australian public company and authorised deposit-taking institution. Its registered head office is in Bendigo, Victoria. Its shares are listed on the Australian Securities Exchange and no shareholder controls it. It provides consumer, business and agribusiness banking, wealth services and margin lending, and trades as Bendigo Bank and through the digital bank Up.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BENDAU3BXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BENDAU3B directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1997-06-07
- Last updated
- 2024-07-10
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Ticker BEN
Institution type
Commercial bank
Trades as Bendigo Bank
- Standing
- On 18 August 2026 the Australian Prudential Regulation Authority (APRA) imposed licence conditions on the bank over its management of non-financial risk. An AUSTRAC enforcement investigation into its AML/CTF compliance, opened in December 2025, remains open.
- Ownership
- The bank is listed on the ASX and widely held. Its largest notified substantial holders are State Street Corporation with 7.49% and Vanguard Group with 6.003%.
- Major shareholders
- State Street Corporation 7.49% · 28 Aug 2025
Vanguard Group 6.003% · 17 Oct 2024 - Stock listing
- ASX BEN
- Head office
- The Bendigo Centre, 22-44 Bath Lane, 3550 Bendigo, Australia
- Company register
- ABN 11 068 049 178 (Australian Business Register); AFSL and Australian Credit Licence 237879
Business lines
According to its 2026 Annual Report, residential lending made up AUD 66.4 billion of AUD 87.1 billion in total lending. Business lending was AUD 10.9 billion and agribusiness lending AUD 7.6 billion. The bank serves customers through more than 400 branches, most of them Community Bank branches, and through the digital bank Up.
Online
- Websites & references
- bendigobank.com.au ↗
bendigoadelaide.com.au ↗ Former corporate and investor site. Pages are migrating to bendigobank.com.au. - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 8 pages consulted
- bendigobank.com.au/globalassets/documents/bendigoadelaide/investorcentre/results-and-reporting/annual-review
- bendigobank.com.au/about-us/leadership/
- bendigobank.com.au/
- bendigobank.com.au/media/apra-capital-charge-and-austrac-enforcement-investigation/
- bendigobank.com.au/media/bendigo-bank-to-acquire-racq-bank-loan-and-deposit-book/
- bendigobank.com.au/media-centre/bendigo-and-adelaide-bank-appoints-richard-fennell-as-ceo-and-md/
- fst.net.au/news/financial-services/apra-seeks-8m-bendigo-cyber-control-penalty
- bendigoadelaide.com.au/about-us/our-executive/
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Richard Fennell Chief Executive Officer and Managing Director
- Chair
- Vicki Carter Independent Chair
- Chief financial officer
- Andrew Morgan Chief Financial Officer
- Executive
- Kerrie Noonan Chief Risk Officer
- Executive
- Adam Rowse Chief Customer Officer (Business and Agribusiness, and Consumer Banking on an interim basis)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Australia
- Australian Prudential Regulation Authority (APRA) Prudential supervisorResolution
- Australia
- Australian Transaction Reports and Analysis Centre (AUSTRAC) AML supervisor
- Australia
- Australian Securities and Investments Commission (ASIC) Conduct
Recent events 3 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Licence
APRA imposed licence conditions on the bank over its management of non-financial risk, including a rectification plan and an independent reviewer.
bendigobank.com.au ↗ -
Enforcement
APRA began Federal Court civil penalty proceedings over contraventions of the former Banking Executive Accountability Regime (BEAR). The parties jointly proposed an AUD 8 million penalty, which awaits court approval.
fst.net.au ↗ -
Leadership
Chief Customer Officer, Consumer Taso Corolis resigned. Adam Rowse took on the role on an interim basis.
bendigobank.com.au ↗ -
Investigation
AUSTRAC opened an enforcement investigation into serious potential contraventions of the AML/CTF Act (2006) by the bank.
bendigobank.com.au ↗ -
Enforcement
APRA applied an AUD 50 million operational risk capital charge to the bank, effective 1 January 2026.
bendigobank.com.au ↗ -
Merger / acquisition
The bank agreed to acquire RACQ Bank's retail loan and deposit book, subject to regulatory approval. Completion is expected in 1H FY27.
bendigobank.com.au ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- BENDAU3BXXX
- How the BIC breaks down
- BENDBank
- AUCountry · Australia
- 3BLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300Y9URD6W70K0360
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Australia · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- BATH LANE BENDIGO CENTRE FLOOR 1 BENDIGO 3550 AUSTRALIA
- Operational address
- BATH LANE BENDIGO CENTRE FLOOR 1 BENDIGO BENDIGO 3550 AUSTRALIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BENDAU3BXXX</BICFI>
<LEI>549300Y9URD6W70K0360</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>BENDAU3BXXX</BICFI>
<LEI>549300Y9URD6W70K0360</LEI>
<Nm>BENDIGO AND ADELAIDE BANK LIMITED</Nm>
<PstlAdr>
<TwnNm>BENDIGO</TwnNm>
<Ctry>AU</Ctry>
<AdrLine>BATH LANE BENDIGO CENTRE FLOOR 1 BENDIGO 3550</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Claim this profile
Work at Bendigo and Adelaide Bank Limited?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: bendigobank.com.au (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo