Global Reporting Index

bankmecu’s Annual Report is prepared in accordance with the Global Reporting Initiative (GRI) 2006 Guidelines.

Data measurement techniques and the basis of calculations (including assumptions, techniques and underlying estimations) applied to the compilation of the indicators and other information used in the Sustainability Report are based on Global Reporting Initiative (GRI) G3.1 protocols. In instances where this may not be the case, this is stated.

Both stakeholder engagement processes and mecu’s sustainability commitments assist bankmecu in determining which GRI indicators to report against.

bankmecu’s 2011/12 Annual Report has been verified by a third party and awarded an A+ Application Level Sustainability Report.

 GRI 3.1 Table

STANDARD DISCLOSURES PART I: Profile Disclosures
1. Strategy and Analysis
Profile Disclosure Description Reported  Reference Comments
1.1 Statement from the most senior decision-maker of the organization.  Fully Chairman’s Message  
1.2 Description of key impacts, risks, and opportunities.  Fully Chairman’s Message, Key risks identified in 2011/12, Key opportunities identified in 2011/12  
2. Organizational Profile
Profile Disclosure Description Reported  Reference Comments
2.1 Name of the organization. Fully Annual Report 2012 Structure, Organisational profile  
2.2 Primary brands, products, and/or services.  Fully Organisational profile  
2.3 Operational structure of the organization, including main divisions, operating companies, subsidiaries, and joint ventures. Fully Annual Report 2012 Structure, Organisational profile, Operational structure  
2.4 Location of organization’s headquarters. Fully Annual Report 2012 Structure  
2.5 Number of countries where the organization operates, and names of countries with either major operations or that are specifically relevant to the sustainability issues covered in the report. Fully Annual Report 2012 Structure  
2.6 Nature of ownership and legal form. Fully Organisational profile  
2.7 Markets served (including geographic breakdown, sectors served, and types of customers/beneficiaries). Fully Active existing customers and their communities, Quality competitive product and service  
2.8 Scale of the reporting organization. Fully Capital growth  
2.9 Significant changes during the reporting period regarding size, structure, or ownership. Fully Organisational changes  
2.10 Awards received in the reporting period. Fully Awards and external recognition  
3. Report Parameters
Profile Disclosure Description Reported  Reference Comments
3.1 Reporting period (e.g., fiscal/calendar year) for information provided. Fully Annual Report 2012 Structure  
3.2 Date of most recent previous report (if any). Fully Annual Report 2012 Structure  
3.3 Reporting cycle (annual, biennial, etc.) Fully Annual Report 2012 Structure  
3.4 Contact point for questions regarding the report or its contents. Fully Annual Report 2012 Structure  
3.5 Process for defining report content. Fully Determining the content of the report  
3.6 Boundary of the report (e.g., countries, divisions, subsidiaries, leased facilities, joint ventures, suppliers). See GRI Boundary Protocol for further guidance. Fully Annual Report 2012 Structure  
3.7 State any specific limitations on the scope or boundary of the report (see completeness principle for explanation of scope).  Fully Annual Report 2012 Structure  
3.8 Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organizations. Fully Annual Report 2012 Structure  
3.9 Data measurement techniques and the bases of calculations, including assumptions and techniques underlying estimations applied to the compilation of the Indicators and other information in the report. Explain any decisions not to apply, or to substantially diverge from, the GRI Indicator Protocols. Fully Throughout Report  
3.10 Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement (e.g.,mergers/acquisitions, change of base years/periods, nature of business, measurement methods). Fully Throughout Report  
3.11 Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report. Fully Organisational changes  
3.12 Table identifying the location of the Standard Disclosures in the report.  Fully GRI Index  
3.13 Policy and current practice with regard to seeking external assurance for the report.  Fully Independent Assurance Statement  
4. Governance, Commitments, and Engagement
Profile Disclosure Description Reported  Reference Comments
4.1 Governance structure of the organization, including committees under the highest governance body responsible for specific tasks, such as setting strategy or organizational oversight.  Fully Competent well qualified leadership  
4.2 Indicate whether the Chair of the highest governance body is also an executive officer. Fully Board of Directors  
4.3 For organizations that have a unitary board structure, state the number and gender of members of the highest governance body that are independent and/or non-executive members. Fully Board of Directors, Employee profile  
4.4 Mechanisms for shareholders and employees to provide recommendations or direction to the highest governance body.  Fully Productive democracy, Stakeholder accountability  
4.5 Linkage between compensation for members of the highest governance body, senior managers, and executives (including departure arrangements), and the organization’s performance (including social and environmental performance). Fully Competent well qualified leadership, Stewardship of customer wealth  
4.6 Processes in place for the highest governance body to ensure conflicts of interest are avoided. Fully Board of Directors  
4.7 Process for determining the composition, qualifications, and expertise of the members of the highest governance body and its committees, including any consideration of gender and other indicators of diversity. Fully Board of Directors  
4.8 Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation. Fully bankmecu‘s philosophy  
4.9 Procedures of the highest governance body for overseeing the organization’s identification and management of economic, environmental, and social performance, including relevant risks and opportunities, and adherence or compliance with internationally agreed standards, codes of conduct, and principles.  Fully Competent well qualified leadership, Productive democracy, Stakeholder accountability, Stewardship of customer wealth, Regulatory compliance  
4.10 Processes for evaluating the highest governance body’s own performance, particularly with respect to economic, environmental, and social performance. Fully Board of Directors  
4.11 Explanation of whether and how the precautionary approach or principle is addressed by the organization.  Fully Policies and practices  
4.12 Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organization subscribes or endorses.  Fully Trustworthy  
4.13 Memberships in associations (such as industry associations) and/or national/international advocacy organizations in which the organization: * Has positions in governance bodies; * Participates in projects or committees; * Provides substantive funding beyond routine membership dues; or * Views membership as strategic.  Fully TrustworthyBoard of Directors  
4.14 List of stakeholder groups engaged by the organization.  Fully Annual Report readers, Stakeholder engagement activities  
4.15 Basis for identification and selection of stakeholders with whom to engage.  Fully Stakeholder engagement  
4.16 Approaches to stakeholder engagement, including frequency of engagement by type and by stakeholder group.  Fully Stakehodler engagement activities  
4.17 Key topics and concerns that have been raised through stakeholder engagement, and how the organization has responded to those key topics and concerns, including through its reporting. Fully Annual Report readers, Determining the content of the Report, Materiality assessment  
STANDARD DISCLOSURES PART II: Disclosures on Management Approach (DMAs)
G3 DMA Description Reported  Reference Comments
DMA PS Disclosure on Management Approach PS      
FS1 Policies with specific environmental and social components applied to business lines.   Policies and practices  
FS2 Procedures for assessing and screening environmental and social risks in business lines.   Policies and practices, Stewardship of customer wealth  
FS3 Processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions. Partially Supply chain management system Outsourcing policies and the Bank’s supply chain management address supplier compliance with environmental and social requirements. Procedures are applied to make sure environmental and social loans meet environmental and social criteria. Issues are addressed as they arise/are identified.
FS4 Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines. Fully Training and development  
FS5 Interactions with clients/investees/business partners regarding environmental and social risks and opportunities. Fully Trustworthy, Custome Insights Survey, Staff Organisational Effectiveness Survey  
  Audits Fully Regulation and compliance  
Active Ownership Fully Ethical investment and lending  
DMA EC Disclosure on Management Approach EC      
Aspects Economic performance Fully Governance, throughout Report  
Market presence Fully Governance, throughout Report  
Indirect economic impacts Fully Governance, throughout Report  
DMA EN Disclosure on Management Approach EN      
Aspects Materials  Fully Governance, throughout Report  
Energy    Fully Governance, throughout Report  
Water    Fully Governance, throughout Report  
Biodiversity Fully Governance, throughout Report  
Emissions, effluents and waste Fully Governance, throughout Report  
Products and services Fully Governance, throughout Report  
Compliance Fully Governance, throughout Report  
Transport Fully Governance, throughout Report  
Overall Fully Governance, throughout Report  
DMA LA Disclosure on Management Approach LA      
Aspects Employment Fully Governance, throughout Report  
Labor/management relations Fully Governance, throughout Report  
Occupational health and safety Fully Governance, throughout Report  
Training and education Fully Governance, throughout Report  
Diversity and equal opportunity Fully Governance, throughout Report  
Equal remuneration for women and men Fully Governance, throughout Report  
DMA HR Disclosure on Management Approach HR      
Aspects Investment and procurement practices Fully Governance, throughout Report  
Non-discrimination Fully Governance, throughout Report  
Freedom of association and collective bargaining Fully Governance, throughout Report  
Child labor Fully Governance, throughout Report  
Prevention of forced and compulsory labor Fully Governance, throughout Report  
Security practices Fully Governance, throughout Report  
Indigenous rights Fully Governance, throughout Report  
Assessment Fully Governance, throughout Report  
Remediation Fully Governance, throughout Report  
DMA SO Disclosure on Management Approach SO      
Aspects Local communities Fully Governance, throughout Report  
Corruption Fully Governance, throughout Report  
Public policy   Fully Governance, throughout Report  
Anti-competitive behavior Fully Governance, throughout Report  
Compliance Fully Governance, throughout Report  
DMA PR Disclosure on Management Approach PR      
Aspects Customer health and safety Fully Governance, throughout Report  
Product and service labelling Fully Governance, throughout Report  
Marketing communications Fully Governance, throughout Report  
Customer privacy Fully Governance, throughout Report  
Compliance Fully Governance, throughout Report  
FS15  Policies for the fair design and sale of financial products and services. Fully Governance, throughout Report  
STANDARD DISCLOSURES PART III: Performance Indicators
Product and Service Impact  
Performance Indicator Description Reported  Reference Comments
Product portfolio  
FS6 Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by sector. Fully Active existing customers and their communities, Civil society and Government, Quality competitive product and service, Social and enviornmental benefits   
FS7 Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose. Fully Quality competitive product and service, Social and enviornmental benefits   
FS8 Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose. Fully Quality competitive product and service, Social and enviornmental benefits   
Audit        
FS9 Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures. Fully Risk management and compliance, Regulation and compliance  
Active ownership        
FS10 Percentage and number of companies held in the institution’s portfolio with which the reporting organization has interacted on environmental or social issues. Partially UN Principles for Responsible Investment bankmecu does interact with many of the not-for-profits who bank with bankmecu and organisations supported through the Community Investment Program. However, bankmecu has not collected formal data other than stakeholder engagment reporting data. The Annual Report provides a communication tool to report on sustainability as an example of good practice. bankmecu will investigate working towards addressing this indicator better in the future. bankmecu became a signatory to UN PRI and UN GC to assist in this area.
FS11 Percentage of assets subject to positive and negative environmental or social screening. Fully Social and environmental benefits bankmecu‘s ethical investment and lending policy provides guidance on what to invest in. This acts as the banks screening process and loans with an environmental and social outcome are reported. bankmecu became a signatory to UN PRI and UNGC to assist in this area. 
FS12 Voting polic(ies) applied to environmental or social issues for shares over which the reporting organization holds the right to vote shares or advises on voting.  Fully Ethical investment and lending  
Economic
Performance Indicator Description Reported  Reference Comments
Economic performance  
EC1 Direct economic value generated and distributed, including revenues, operating costs, employee compensation, donations and other community investments, retained earnings, and payments to capital providers and governments. Fully Community banking, Community Investment Program, Employee volunteering and fundraising, Competitive pricing benefit, Profitability and productivity, Sustainable Growth  
EC2 Financial implications and other risks and opportunities for the organization’s activities due to climate change.  Fully Quality competitive product and service, Social and enviornmental benefits, Key risks identified in 2011/12, Key opportunities identified in 2011/12, Environmental management system  
EC3 Coverage of the organization’s defined benefit plan obligations.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EC4 Significant financial assistance received from government.  Fully Subsidies  
Market presence  
EC5 Range of ratios of standard entry level wage by gender compared to local minimum wage at significant locations of operation. Fully Employee remuneration  
EC6 Policy, practices, and proportion of spending on locally-based suppliers at significant locations of operation.  Fully Primary suppliers  
EC7 Procedures for local hiring and proportion of senior management hired from the local community at significant locations of operation.  Fully Employee recruitment  
Indirect economic impacts  
EC8 Development and impact of infrastructure investments and services provided primarily for public benefit through commercial, in-kind, or pro bono engagement.  Fully Community Investment Program  
EC9 Understanding and describing significant indirect economic impacts, including the extent of impacts.  Fully Banker for civil society and government, Quality competitive product and service, Competitive pricing benefit, Social and environmental benefits  
Environmental
Performance Indicator Description Reported  Reference  
Materials  
EN1 Materials used by weight or volume.  Fully Paper, Stationary, Refurbishments  
EN2 Percentage of materials used that are recycled input materials.  Fully Paper, Stationary, Refurbishments  
Energy  
EN3 Direct energy consumption by primary energy source.  Fully Greenhouse gas emissions, Energy consumption, Travel  
EN4 Indirect energy consumption by primary source. Fully Greenhouse gas emissions, Energy consumption, Travel  
EN5 Energy saved due to conservation and efficiency improvements. Fully Greenhouse gas emissions, Energy consumption, Travel  
EN6 Initiatives to provide energy-efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives.  Fully Greenhouse gas emissions, Energy consumption, Travel  
EN7 Initiatives to reduce indirect energy consumption and reductions achieved.  Fully Greenhouse gas emissions, Energy consumption, Travel  
Water  
EN8 Total water withdrawal by source.  Fully Water consumption  
EN9 Water sources significantly affected by withdrawal of water.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN10 Percentage and total volume of water recycled and reused.  Fully Water consumption  
Biodiversity  
EN11 Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas. Fully Land  
EN12 Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas.  Fully Social and environmental benefits, Products and their features, Land, Environmental management system  
EN13 Habitats protected or restored.  Fully Community Investment Program, Land  
EN14 Strategies, current actions, and future plans for managing impacts on biodiversity. Fully Social and environmental benefits, Products and their features, Land, Environmental management system  
EN15 Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk.  Fully Community Investment Program, Land Species data is being collated by Conservation Landbank pertners for inclusion on bankmecu website.
Emissions, effluents and waste  
EN16 Total direct and indirect greenhouse gas emissions by weight.  Fully Greenhouse gas emissions  
EN17 Other relevant indirect greenhouse gas emissions by weight.  Fully Greenhouse gas emissions  
EN18 Initiatives to reduce greenhouse gas emissions and reductions achieved. Fully Greenhouse gas emissions, Energy consumption, Travel, Waste  
EN19 Emissions of ozone-depleting substances by weight.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN20 NOx, SOx, and other significant air emissions by type and weight.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN21 Total water discharge by quality and destination.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN22 Total weight of waste by type and disposal method.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN23 Total number and volume of significant spills.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN24 Weight of transported, imported, exported, or treated waste deemed hazardous under the terms of the Basel Convention Annex I, II, III, and VIII, and percentage of transported waste shipped internationally.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
EN25 Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by the reporting organization’s discharges of water and runoff.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Products and services  
EN26 Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation. Fully Quality competitive product and service, Social and environmental benefits  
EN27 Percentage of products sold and their packaging materials that are reclaimed by category.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Compliance  
EN28 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with environmental laws and regulations.  Fully Regulation and compliance  
Transport  
EN29 Significant environmental impacts of transporting products and other goods and materials used for the organization’s operations, and transporting members of the workforce.  Fully Travel  
Overall  
EN30 Total environmental protection expenditures and investments by type. Fully Community Investment Program, Land  
Social: Labor Practices and Decent Work
Performance Indicator Description Reported  Reference  
Employment  
LA1 Total workforce by employment type, employment contract, and region, broken down by gender. Fully Employee profile  
LA2 Total number and rate of new employee hires and employee turnover by age group, gender, and region. Fully Employee turnover and job creation  
LA3 Benefits provided to full-time employees that are not provided to temporary or part-time employees, by major operations.  Fully Employee remuneration  
LA15 Return to work and retention rates after parental leave, by gender. Fully Parental leave  
Labor/management relations  
LA4 Percentage of employees covered by collective bargaining agreements. Not N/A Not common practice in the finance sector
LA5 Minimum notice period(s) regarding significant operational changes, including whether it is specified in collective agreements.  Not N/A Not common practice in the finance sector
Occupational health and safety  
LA6 Percentage of total workforce represented in formal joint management-worker health and safety committees that help monitor and advise on occupational health and safety programs.  Fully Health and safety  
LA7 Rates of injury, occupational diseases, lost days, and absenteeism, and number of work-related fatalities by region and by gender. Fully Health and safety  
LA8 Education, training, counseling, prevention, and risk-control programs in place to assist workforce members, their families, or community members regarding serious diseases. Fully Health and safety, External support for employees  
LA9 Health and safety topics covered in formal agreements with trade unions.  Not N/A bankmecu has no agreements with trade unions.  Employment is covered by the Banking Finance & Insurance Award (2010) and also the National Employment Standards. 
Training and education  
LA10 Average hours of training per year per employee by gender, and by employee category.  Fully Training and development  
LA11 Programs for skills management and lifelong learning that support the continued employability of employees and assist them in managing career endings.  Fully Training and development  
LA12 Percentage of employees receiving regular performance and career development reviews, by gender. Fully Training and development  
Diversity and equal opportunity  
LA13 Composition of governance bodies and breakdown of employees per employee category according to gender, age group, minority group membership, and other indicators of diversity. Fully Employee profile, Board of Directors  
Equal remuneration for women and men  
LA14 Ratio of basic salary and remuneration of women to men by employee category, by significant locations of operation.  Fully Employee remuneration  
Social: Human Rights
Performance Indicator Description Reported  Reference  
Investment and procurement practices  
HR1 Percentage and total number of significant investment agreements and contracts that include clauses incorporating human rights concerns, or that have undergone human rights screening.  Fully Human rights  
HR2 Percentage of significant suppliers, contractors and other business partners that have undergone human rights screening, and actions taken.  Fully Human rights, Supply chain management system  
HR3 Total hours of employee training on policies and procedures concerning aspects of human rights that are relevant to operations, including the percentage of employees trained.  Fully Training and development, Human rights  
Non-discrimination  
HR4 Total number of incidents of discrimination and corrective actions taken. Fully Human rights  
Freedom of association and collective bargaining  
HR5 Operations and significant suppliers identified in which the right to exercise freedom of association and collective bargaining may be violated or at significant risk, and actions taken to support these rights.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Child labor  
HR6 Operations and significant suppliers identified as having significant risk for incidents of child labor, and measures taken to contribute to the effective abolition of child labor. Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Forced and compulsory labor  
HR7 Operations and significant suppliers identified as having significant risk for incidents of forced or compulsory labor, and measures to contribute to the elimination of all forms of forced or compulsory labor.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Security practices  
HR8 Percentage of security personnel trained in the organization’s policies or procedures concerning aspects of human rights that are relevant to operations.  Not N/A This is not deemed relevant due to the nature of bankmecu‘s operations.
Indigenous rights  
HR9 Total number of incidents of violations involving rights of indigenous people and actions taken. Fully Human rights  
Assessment  
HR10 Percentage and total number of operations that have been subject to human rights reviews and/or impact assessments. Fully Human rights  
Remediation  
HR11 Number of grievances related to human rights filed, addressed and resolved through formal
grievance mechanisms.
Fully Human rights  
Social: Society
Performance Indicator Description Reported  Reference  
Local communities  
SO1 Percentage of operations with implemented local community engagement, impact assessments, and development programs. Fully Community banking, Community Investment Program, Social return on investment  
FS13 Access points in low-populated or economically disadvantaged areas by type. Fully Financial inclusion  
FS14 Initiatives to improve access to financial services for disadvantaged people. Fully Financial inclusion  
SO9 Operations with significant potential or actual negative impacts on local communities. Not N/A Not deemed relevant due to the nature of bankmecu operations. bankmecu is making a positive impact through its business and CIP.
SO10 Prevention and mitigation measures implemented in operations with significant potential or actual negative impacts on local communities. Not N/A Not deemed relevant due to the nature of bankmecu operations. bankmecu is making a positive impact through its business and CIP.
Corruption
SO2 Percentage and total number of business units analyzed for risks related to corruption.  Fully Risk management and compliance, Anti-bribery and corruption  
SO3 Percentage of employees trained in organization’s anti-corruption policies and procedures.  Fully Training and development, Anti-bribery and corruption  
SO4 Actions taken in response to incidents of corruption. Fully Risk management and compliance, Regulation and compliance, Anti-bribery and corruption, Card fraud  
Public policy  
SO5 Public policy positions and participation in public policy development and lobbying.  Fully Abacus – Australian Mutuals  
SO6 Total value of financial and in-kind contributions to political parties, politicians, and related institutions by country. Fully Abacus – Australian Mutuals  
Anti-competitive behavior  
SO7 Total number of legal actions for anti-competitive behavior, anti-trust, and monopoly practices and their outcomes.  Fully Regulation and compliance bankmecu did not receive any fines or sanctions for non-compliance.
Compliance  
SO8 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with laws and regulations.  Fully Regulation and compliance bankmecu did not receive any fines or sanctions for non-compliance.
Social: Product Responsibility 
Performance Indicator Description Reported  Reference  
Customer health and safety  
PR1 Life cycle stages in which health and safety impacts of products and services are assessed for improvement, and percentage of significant products and services categories subject to such procedures.  Not N/A bankmecu did not receive any fines or sanctions for non-compliance.
PR2 Total number of incidents of non-compliance with regulations and voluntary codes concerning health and safety impacts of products and services during their life cycle, by type of outcomes.  Not N/A bankmecu did not receive any fines or sanctions for non-compliance.
Product and service labelling  
PR3 Type of product and service information required by procedures, and percentage of significant products and services subject to such information requirements.  Fully Regulation and compliance  
PR4 Total number of incidents of non-compliance with regulations and voluntary codes concerning product and service information and labeling, by type of outcomes.  Fully Regulation and compliance  
PR5 Practices related to customer satisfaction, including results of surveys measuring customer satisfaction.  Fully Customer insights survey  
FS16 Initiatives to enhance financial literacy by type of beneficiary. Fully Customer financial education and advice  
Marketing communications  
PR6 Programs for adherence to laws, standards, and voluntary codes related to marketing communications, including advertising, promotion, and sponsorship.  Fully Risk management and compliance, Regulation and compliance  
PR7 Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship by type of outcomes.  Fully Regulation and compliance bankmecu did not receive any fines or sanctions for non-compliance.
Customer privacy  
PR8 Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data.  Fully Customer privacy  
Compliance  
PR9 Monetary value of significant fines for non-compliance with laws and regulations concerning the provision and use of products and services.  Fully Regulation and compliance bankmecu did not receive any fines or sanctions for non-compliance.
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