{"id":10084,"date":"2014-08-01T06:39:28","date_gmt":"2014-08-01T06:39:28","guid":{"rendered":"http:\/\/www.dnister.com.au\/?page_id=10084"},"modified":"2026-04-01T14:55:03","modified_gmt":"2026-04-01T03:55:03","slug":"corporate","status":"publish","type":"page","link":"https:\/\/www.dnister.com.au\/uk\/corporate\/","title":{"rendered":"Corporate"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:top left;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-color:#f6f6f6;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:50px;--awb-background-color:#fff;--awb-background-image:linear-gradient(180deg, #f6fbe9 0%,#f6fbe9 100%);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Corporate<\/h1><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-1\"><h3>Compliance<\/h3>\n<h4>We are committed to complying at all times with our obligations under our Financial Services Licence, Australian Credit Licence with all other relevant laws, regulations, codes, industry standards, our Constitution, policies, management systems, manuals and procedures.<\/h4>\n<h4>We are committed to compliance as part of our vision to &#8220;strive to effectively deliver excellence in service in response to the needs of our members&#8221;.<\/h4>\n<h4>We believe that compliance is:<\/h4>\n<ul>\n<li>\n<h4>good business<\/h4>\n<\/li>\n<li>\n<h4>best practice and<\/h4>\n<\/li>\n<li>\n<h4>an investment in the future of the Co-operative<\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#e6e6d2;--awb-border-color:#f6fbe9;--awb-background-color:#f6fbe9;--awb-divider-color:#f6fbe9;--awb-divider-hover-color:#f6fbe9;--awb-icon-color:#0f443d;--awb-title-color:#86a8a6;--awb-content-color:#747474;--awb-icon-box-color:#e6e6d2;--awb-toggle-hover-accent-color:#5ab5ff;--awb-title-font-family:&quot;DM Sans&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:13px;--awb-title-letter-spacing:0px;--awb-title-line-height:1.85;--awb-content-font-family:&quot;DM Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-10084-1\"><div class=\"fusion-panel panel-default panel-757103fe6860f01c1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_757103fe6860f01c1\"><a aria-expanded=\"false\" aria-controls=\"757103fe6860f01c1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#757103fe6860f01c1\" href=\"#757103fe6860f01c1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Privacy &amp; Confidentiality<\/span><\/a><\/h4><\/div><div id=\"757103fe6860f01c1\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_757103fe6860f01c1\"><div class=\"panel-body toggle-content fusion-clearfix\">Dnister recognises the importance of protecting our members&#8217; privacy.<\/p>\n<p>All personal and financial information we hold about our members is securely stored and protected against unauthorised access.<\/p>\n<p>All staff are committed to fulfilling the requirements of the Privacy Act and honouring the need for confidentiality in all dealings with member&#8217;s personal or financial details.<\/p>\n<i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/07\/Privacy-and-Credit-Reporting-Policy-2025.pdf\"><span style=\"text-decoration: underline;\">Dnister Privacy and Credit Reporting Policy<\/span><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-db89dab20de010c43 fusion-toggle-has-divider\" style=\"--awb-title-color:#86a8a6;--awb-content-color:#747474;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_db89dab20de010c43\"><a aria-expanded=\"false\" aria-controls=\"db89dab20de010c43\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#db89dab20de010c43\" href=\"#db89dab20de010c43\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">FSG &amp; PDS<\/span><\/a><\/h4><\/div><div id=\"db89dab20de010c43\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_db89dab20de010c43\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Financial Services Guide and Product Disclosure Statement<\/p>\n<p>Under the Financial Services Reform Act all financial services providers must hold a licence to continue to provide financial services to their customers or members.<\/p>\n<p>The Act is designed to have a single disclosure regime applying to all industries offering financial products or services. This can either relate to a simple savings product, a more complex superannuation product or a managed investment scheme.<\/p>\n<p>Full details of a particular product must now be clearly disclosed so that current and prospective members can make informed decisions on investment matters.<\/p>\n<p>Full details of our products and services can be accessed by clicking on the following link:<\/p>\n<i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2026\/04\/PDS-FSG-Update-Rebrand-23-March-2026-.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Financial Services Guide &amp; Product Disclosure Statement<\/span><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-43c8699b1699abcc6 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_43c8699b1699abcc6\"><a aria-expanded=\"false\" aria-controls=\"43c8699b1699abcc6\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#43c8699b1699abcc6\" href=\"#43c8699b1699abcc6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Credit Guide<\/span><\/a><\/h4><\/div><div id=\"43c8699b1699abcc6\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_43c8699b1699abcc6\"><div class=\"panel-body toggle-content fusion-clearfix\">A Credit Guide provides important information about a licensee\u2019s obligations in relation to consumer lending products regulated by the National Credit Code.<\/p>\n<i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <span style=\"text-decoration: underline;\"><a title=\"Credit Guide\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2018\/06\/06-18-Credit-Guide.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Guide<\/a><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7b6029e3b3477e9ee fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7b6029e3b3477e9ee\"><a aria-expanded=\"false\" aria-controls=\"7b6029e3b3477e9ee\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#7b6029e3b3477e9ee\" href=\"#7b6029e3b3477e9ee\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Disclaimer<\/span><\/a><\/h4><\/div><div id=\"7b6029e3b3477e9ee\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_7b6029e3b3477e9ee\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The information provided on Dnister Ukrainian Credit Co-operative Ltd&#8217;s Internet site is copyright to Dnister, unless otherwise stated.<\/p>\n<p>The views expressed in articles or commentary are not necessarily those of Dnister and Dnister makes no claim to their accuracy.<\/p>\n<p>Dnister accepts no responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this service, or any other service that may be accessed through this site.<\/p>\n<p>We strongly recommend that discussions be held with one of our staff before acting upon information supplied.<\/p>\n<p>To view the full Disclaimer, <a href=\"https:\/\/www.dnister.com.au\/uk\/disclaimer\/\">click here<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b8ff08c01b2472d5a fusion-toggle-has-divider\" style=\"--awb-title-color:#0f443d;--awb-content-color:#0f443d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b8ff08c01b2472d5a\"><a aria-expanded=\"false\" aria-controls=\"b8ff08c01b2472d5a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#b8ff08c01b2472d5a\" href=\"#b8ff08c01b2472d5a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Complaints &amp; Disputes Resolution<\/span><\/a><\/h4><\/div><div id=\"b8ff08c01b2472d5a\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_b8ff08c01b2472d5a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>We have developed and introduced a mechanism to resolve members&#8217; complaints or disputes promptly and effectively.<\/p>\n<p>Click on the following link to view our Complaints and Dispute Resolution Guide for members.<\/p>\n<i class=\"fb-icon-element-4 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2026\/04\/Dispute-Resolution-Guide-Mar-2026-Rebrand.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Complaints &amp; Disputes Resolution Guide<\/span><\/a><\/p>\n<p>Should our internal dispute resolution process not resolve your issue, we are also a member of an external dispute resolution scheme.<\/p>\n<p>Complaint escalation must be made to the Australian Financial Complaints Authority.<\/p>\n<p>AFCA<br \/>\nAustralian Financial Complaints Authority<br \/>\nGPO Box 3<br \/>\nMelbourne Vic 3001<br \/>\nwww.afca.org,au<br \/>\n1800 931 678<\/p>\n<i class=\"fb-icon-element-5 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2024\/07\/Certificate-24-25.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Membership Certificate AFCA<\/span><\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-410b8adf661a1fdb1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_410b8adf661a1fdb1\"><a aria-expanded=\"false\" aria-controls=\"410b8adf661a1fdb1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#410b8adf661a1fdb1\" href=\"#410b8adf661a1fdb1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Vulnerable Members<\/span><\/a><\/h4><\/div><div id=\"410b8adf661a1fdb1\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_410b8adf661a1fdb1\"><div class=\"panel-body toggle-content fusion-clearfix\"><i class=\"fb-icon-element-6 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/09\/2509-Vulnerable-Members.pdf\">Vulnerable Members<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-15119d171a65e76ee fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_15119d171a65e76ee\"><a aria-expanded=\"false\" aria-controls=\"15119d171a65e76ee\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#15119d171a65e76ee\" href=\"#15119d171a65e76ee\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Constitution<\/span><\/a><\/h4><\/div><div id=\"15119d171a65e76ee\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_15119d171a65e76ee\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Dnister is owned by its members and governed in accordance with the rules that have been established and approved by Dnister members (our constitution).<\/p>\n<i class=\"fb-icon-element-7 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <span style=\"text-decoration: underline;\"><a title=\"Dnister's Constitution\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2021\/11\/Dnister-Constitution-7-Nov-2021.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dnister&#8217;s Constitution<\/a><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-354715c379f9ae1c5 fusion-toggle-has-divider\" style=\"--awb-title-color:#86a8a6;--awb-content-color:#747474;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_354715c379f9ae1c5\"><a aria-expanded=\"false\" aria-controls=\"354715c379f9ae1c5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#354715c379f9ae1c5\" href=\"#354715c379f9ae1c5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Prudential Disclosures<\/span><\/a><\/h4><\/div><div id=\"354715c379f9ae1c5\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_354715c379f9ae1c5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Dnister Ukrainian Credit Co-operative has an actively managed capital base to cover business risks. The objectives of capital management are to ensure that the credit co-operative:<\/p>\n<ul>\n<li>has sufficient capital to support its business activities and operational requirements<\/li>\n<li>does not breach compliance with required external capital ratios<\/li>\n<li>maintains adequate capital ratio levels to support its business<\/li>\n<\/ul>\n<p>As part of Prudential Standard APS 330, Dnister is required to publicly disclose information on risk management practices and capital adequacy, which is provided in the links below:<\/p>\n<i class=\"fb-icon-element-8 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2026\/01\/Prudential-Disclosure-APS330-Dec-2025.pdf\" target=\"_blank\" rel=\"noopener\">Dec 25<\/a> | \u00a0<a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2026\/01\/Prudential-Disclosure-APS330-Sep-2025.pdf\" target=\"_blank\" rel=\"noopener\">Sep 25<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/07\/Prudential-Disclosure-APS330-June-25.pdf\" target=\"_blank\" rel=\"noopener\">June 25<\/a> |\u00a0<a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/04\/Prudential-Disclosure-APS330-Mar-2025.pdf\" target=\"_blank\" rel=\"noopener\">Mar 2025<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/01\/Prudential-Disclosure-APS330-Dec-2024.pdf\" target=\"_blank\" rel=\"noopener\">Dec 2024 | <\/a><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2024\/10\/Prudential-Disclosure-APS330-Sep-2024.pdf\" target=\"_blank\" rel=\"noopener\">Sep 2024\u00a0|<\/a> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2024\/10\/Prudential-Disclosure-APS330-Sep-2024.pdf\" target=\"_blank\" rel=\"noopener\">June 2024|<\/a> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2024\/04\/Prudential-Disclosure-APS330-Mar-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mar 2024<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/10\/Prudential-Disclosure-APS330-Sep-2023.pdf\" target=\"_blank\" rel=\"noopener\">Sept 2023<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/07\/Prudential-Disclosure-APS330-June-2023.pdf\" target=\"_blank\" rel=\"noopener\">June 2023<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/04\/Prudential-Disclosure-APS330-Mar-23.pdf\" target=\"_blank\" rel=\"noopener\">Mar 2023<\/a> |\u00a0<a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/02\/Prudential-Disclosure-APS330-December-2022.pdf\" target=\"_blank\" rel=\"noopener\">Dec 2022<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/10\/Prudential-Disclosure-APS330-Sep-22.pdf\" target=\"_blank\" rel=\"noopener\">Sept 2022<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/10\/Prudential-Disclosure-APS330-June-2022-Final.pdf\" target=\"_blank\" rel=\"noopener\">June 22<\/a> | <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/05\/Prudential-Disclosure-APS330-March-2022.pdf\" target=\"_blank\" rel=\"noopener\">Mar 2022<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-bab827ae1e4ffd3b1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_bab827ae1e4ffd3b1\"><a aria-expanded=\"false\" aria-controls=\"bab827ae1e4ffd3b1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#bab827ae1e4ffd3b1\" href=\"#bab827ae1e4ffd3b1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Fit &amp; Proper<\/span><\/a><\/h4><\/div><div id=\"bab827ae1e4ffd3b1\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_bab827ae1e4ffd3b1\"><div class=\"panel-body toggle-content fusion-clearfix\"><i class=\"fb-icon-element-9 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <span style=\"text-decoration: underline;\"><a title=\"Fit &amp; Proper Policy\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/02\/PER-011-Fit-Proper-and-Financial-Accountabilty-Regime-Policy2024-06-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Fit &amp; Proper and Banking Executive Accountability Regime Policy<\/a><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-02e322b79ff7d2ef2 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_02e322b79ff7d2ef2\"><a aria-expanded=\"false\" aria-controls=\"02e322b79ff7d2ef2\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#02e322b79ff7d2ef2\" href=\"#02e322b79ff7d2ef2\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Corporate Governance Charter<\/span><\/a><\/h4><\/div><div id=\"02e322b79ff7d2ef2\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_02e322b79ff7d2ef2\"><div class=\"panel-body toggle-content fusion-clearfix\"><i class=\"fb-icon-element-10 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <span style=\"text-decoration: underline;\"><a title=\"Fit &amp; Proper Policy\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/02\/CHA-001-Corporate-Governance-Charter-08-2024-Final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">CHA Corporate Governance Charter 0824<\/a><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e8346b9d878ea5587 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e8346b9d878ea5587\"><a aria-expanded=\"false\" aria-controls=\"e8346b9d878ea5587\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#e8346b9d878ea5587\" href=\"#e8346b9d878ea5587\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Customer Owned Banking Association<\/span><\/a><\/h4><\/div><div id=\"e8346b9d878ea5587\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_e8346b9d878ea5587\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Dnister is a member of the Customer Owned Banking Association (<a href=\"https:\/\/www.dnister.com.au\/uk\/customer-owned-banking-association\/\" target=\"_blank\" rel=\"noopener\">COBA<\/a>), the national body for Australia\u2019s member\/customer owned banking institutions.<\/p>\n<p>To learn more about customer owned banking visit <a href=\"http:\/\/www.customerownedbanking.asn.au\" target=\"_blank\" rel=\"noopener noreferrer\">customerownedbanking.asn.au<\/a>.<\/p>\n<i class=\"fb-icon-element-11 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i> <span style=\"text-decoration: underline;\"><a title=\"Customer Owned Banking Code of Practice\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/04\/COB_Code_of_Practice_v2.0_web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Customer Owned Banking Code of Practice<\/a><\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d10ca4d69bb402e75 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d10ca4d69bb402e75\"><a aria-expanded=\"false\" aria-controls=\"d10ca4d69bb402e75\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#d10ca4d69bb402e75\" href=\"#d10ca4d69bb402e75\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Financial Claims Scheme<\/span><\/a><\/h4><\/div><div id=\"d10ca4d69bb402e75\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_d10ca4d69bb402e75\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Australian regulation on protecting your deposits.<\/p>\n<p>Dnister Ukrainian Credit Co-operative Limited is subject to strict government regulation, overseen by the Australian Prudential Regulation Authority (APRA).<\/p>\n<p>APRA&#8217;s rules on safety and capital apply to all banks, building societies and credit unions.<\/p>\n<i class=\"fb-icon-element-12 fb-icon-element fontawesome-icon fa fa-file-text-o circle-no fusion-text-flow\" style=\"--awb-iconcolor:#bfbfbf;--awb-iconcolor-hover:#bfbfbf;--awb-font-size:18px;--awb-margin-right:9px;\"><\/i><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2016\/11\/Financial-Claims-Scheme-FCS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Claims Scheme (FCS)<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-232131697a6e4cad1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_232131697a6e4cad1\"><a aria-expanded=\"false\" aria-controls=\"232131697a6e4cad1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#232131697a6e4cad1\" href=\"#232131697a6e4cad1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Automatic Exchange of Information (CRS)<\/span><\/a><\/h4><\/div><div id=\"232131697a6e4cad1\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_232131697a6e4cad1\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>To learn more about the Automatic Exchange of Information (CRS), <a href=\"https:\/\/www.ato.gov.au\/General\/International-tax-agreements\/In-detail\/International-arrangements\/Automatic-exchange-of-information---CRS-and-FATCA\/\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a>.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7b9c1832a098ca79c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7b9c1832a098ca79c\"><a aria-expanded=\"false\" aria-controls=\"7b9c1832a098ca79c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-10084-1\" data-target=\"#7b9c1832a098ca79c\" href=\"#7b9c1832a098ca79c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Change in External Auditor<\/span><\/a><\/h4><\/div><div id=\"7b9c1832a098ca79c\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_7b9c1832a098ca79c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Dnister Ukrainian Credit Co-operative Ltd gives notice to our members of a change in our external auditor as follows:<\/p>\n<p><strong>Details of the outgoing auditor:<\/strong><br \/>\nErnst Young<\/p>\n<p><strong>Details of the proposed incoming auditor:<\/strong><br \/>\nCrowe<\/p>\n<p><strong>Reason for the change in auditor:<\/strong><br \/>\nCrowe were appointed following an appropriate review of options, a formal approach to market, and recommendations from management and the Audit Committee. ASIC has consented to the resignation of Ernst Young.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-2\"><h3>Annual Reports<\/h3>\n<p>The 2024-2025 Annual Report is available in the following formats:<\/p>\n<\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-on-top content-left\" style=\"--awb-hover-accent-color:#c7c7ae;--awb-circle-hover-accent-color:#c7c7ae;\" data-animationoffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#f6fbe9;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon link-type-text icon-hover-animation-fade\" data-animationoffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/10\/Dnister-Annual-Report-2025-Signed-FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"border-color:#c7c7ae;border-width:1px;background-color:#f6fbe9;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-laptop fas circle-yes\"><\/i><\/div><\/a><\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/10\/Dnister-Annual-Report-2025-Signed-FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">View online<\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#f6fbe9;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon link-type-text icon-hover-animation-fade\" data-animationoffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/10\/Dnister-Annual-Report-2025-Signed-FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"border-color:#c7c7ae;border-width:1px;background-color:#f6fbe9;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-file fas circle-yes\"><\/i><\/div><\/a><\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/10\/Dnister-Annual-Report-2025-Signed-FINAL.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Download<\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#f6fbe9;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon link-type-text icon-hover-animation-fade\" data-animationoffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" href=\"https:\/\/www.dnister.com.au\/uk\/online-enquiry\/\" target=\"_self\"><div class=\"icon\"><i style=\"border-color:#c7c7ae;border-width:1px;background-color:#f6fbe9;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-user fas circle-yes\"><\/i><\/div><\/a><\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more\" href=\"https:\/\/www.dnister.com.au\/uk\/online-enquiry\/\" target=\"_self\">Request a copy<\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-text fusion-text-3\"><h3>Previous Annual Reports<\/h3>\n<p>Select and click on the Annual Report image to download.<\/p>\n<\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"13\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-dots-align:center;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2024\/10\/Annual-Report-2023-2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"116\" height=\"116\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2025\/10\/Annual-Report-2024.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2024 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/09\/Dnister-Annual-Report-2022-2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/10\/2021-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2022 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/10\/Dnister-Annual-Report-2021-2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2022\/10\/2021-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2022 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2021\/10\/2021-Dnister-Annual-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2023\/09\/2020-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2021 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/09\/2020-Dnister-Annual-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/10\/2018-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2020 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2019\/10\/2019-Dnister-Annual-Report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2019\/10\/2018-Annual-Report-115x115.png\" alt=\"2019 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2018\/10\/Dnister-Annual-Report-2017-2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2019\/10\/2018-Annual-Report-115x115.png\" alt=\"2018 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2017\/10\/Dnister-Annual-Report-2016-2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2018\/10\/2017-Annual-Report-115x115.png\" alt=\"2017 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2016\/11\/Dnister-Annual-Report-2015-2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2016\/10\/2015-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2016 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2015\/10\/Annual-Report-2014-2015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2016\/10\/2015-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2015 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/dnister_annual_report_2014.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"115\" height=\"115\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2016\/10\/2015-Annual-Report-115x115-1.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"2014 Dnister Annual Report\" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2014-Annual-Report-115x115.png\" alt=\"2013 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2012.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2012-Annual-Report-115x115.png\" alt=\"2012 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2011.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2011-Annual-Report-115x115.png\" alt=\"2011 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2010.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2010-Annual-Report-115x115.png\" alt=\"2010 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2009.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2009-Annual-Report-115x115.png\" alt=\"2009 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2008.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2008-Annual-Report-115x115.png\" alt=\"2008 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/05\/Dnister_Annual_Report_2007.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2014\/08\/2007-Annual-Report-115x115.png\" alt=\"2007 Dnister Annual Report\"\/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><a 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class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-10084","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Corporate - Dnister Bank<\/title>\n<meta name=\"description\" content=\"Stay up to date with Dnister, read more about Corporate here\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dnister.com.au\/uk\/corporate\/\" \/>\n<meta property=\"og:locale\" content=\"uk_UA\" \/>\n<meta property=\"og:type\" 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