{"id":25273,"date":"2018-07-10T15:36:25","date_gmt":"2018-07-10T05:36:25","guid":{"rendered":"https:\/\/www.dnister.com.au\/?page_id=25273"},"modified":"2018-09-18T11:12:56","modified_gmt":"2018-09-18T01:12:56","slug":"customer-owned-banking-association","status":"publish","type":"page","link":"https:\/\/www.dnister.com.au\/uk\/customer-owned-banking-association\/","title":{"rendered":"Customer Owned Banking Association"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--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-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 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data-no-retina>\n<!---->\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script>\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_59_1',rl:[1240,1024,768,480],el:[],gw:[720],gh:[405],type:'carousel',justify:'',layout:'fullwidth',mh:\"0\"});if (window.RS_MODULES!==undefined && window.RS_MODULES.modules!==undefined && window.RS_MODULES.modules[\"revslider591\"]!==undefined) {window.RS_MODULES.modules[\"revslider591\"].once = false;window.revapi59 = undefined;if (window.RS_MODULES.checkMinimal!==undefined) window.RS_MODULES.checkMinimal()}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n<\/div><div class=\"fusion-text fusion-text-1\"><p><!-- FUSION SEPARATOR FIX START--><\/p>\n<div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color: #e0dede; border-top-width: 1px; margin-left: auto; margin-right: auto; ;margin-bottom: 70px;\"><\/div>\n<p><!-- FUSION SEPARATOR END--> <\/p>\n<\/div><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;\"><h2 style=\"text-align: right;\"><strong>Customer Owned Banking Association<\/strong><\/h2><\/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-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-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=\"fusion-text fusion-text-2\"><p>Dnister&#8217;s longtime partner, <strong>COBA<\/strong>\u00a0is the Customer Owned Banking Association and industry advocate for Australia\u2019s customer owned banking sector.<\/p>\n<p>The customer owned banking sector has combined assets of $111 billion, offering Australians a competitive alternative to banks and access to a range of savings, investment, loan and insurance products. Unlike banks, profits are not paid to external shareholders, but put back into better products and services for customers and their local communities.<\/p>\n<p>The association is a strong public advocate, pushing for more banking competition and a fairer operating system to help our industry challenge the big banks dominating the market.<\/p>\n<\/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-padding-top:2%;--awb-padding-bottom:8%;--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-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--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-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-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p><!-- FUSION SEPARATOR FIX START--><\/p>\n<div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color: #e0dede; border-top-width: 1px; margin-left: auto; margin-right: auto; ;margin-bottom: 70px;\"><\/div>\n<p><!-- FUSION SEPARATOR END--> <\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 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;\"><h2 style=\"text-align: right;\"><strong>Benefits of Banking with Dnister Ukrainian Credit Co-operative\u00a0\u00a0<\/strong><\/h2><\/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-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--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=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--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-4\"><p>The most important reason for choosing a credit union such as Dnister is that we are\u00a0<em>customer owned<\/em>, meaning we put our customers FIRST.<\/p>\n<p>Credit unions are not publicly-listed companies and so, unlike the publicly-listed banks, we don\u2019t have the pressure to maximise profits to pay any external shareholders.<\/p>\n<p>Instead, we put our profits back into better rates, fairer fees, responsible lending and outstanding customer service.<\/p>\n<p>Credit unions, mutual banks and building societies exist for their members: being customer owned organisations, they are fully owned by their members.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><div style=\"visibility: hidden;\"><\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:top left;--awb-border-color:#3d344d;--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:80px;--awb-padding-bottom:-10px;--awb-background-color:#3d344d;--awb-background-image:linear-gradient(180deg, #f6fbe9 0%,#f6fbe9 100%);--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-2 fusion-columns-total-2 fusion-content-boxes-1 content-boxes-icon-boxed content-left\" style=\"--awb-backgroundcolor:#f6f6f6;--awb-hover-accent-color:#c7c7ae;--awb-circle-hover-accent-color:#c7c7ae;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#f6f6f6;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background content-wrapper-boxed link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><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;top:-71px;margin-left:-21px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-lock fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"--h2_typography-font-size:18px;line-height:23px;\">You Are Safe &amp; Sound <\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Credit unions are responsible lenders. Credit unions have the lowest levels of arrears in the Australian lending market meaning our funding base is <strong>strong and secure<\/strong>, and drawn mostly from our members\u2019 deposits. We have less exposure to the volatile wholesale markets.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#f6f6f6;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background content-wrapper-boxed link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><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;top:-71px;margin-left:-21px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-user-check fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"--h2_typography-font-size:18px;line-height:23px;\">You Come First <\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>If you\u2019re a member of a customer owned banking institution, you become an owner of that organisation.<br \/>\nOur customers are our owners, so we focus on <strong>what\u2019s best for our members<\/strong> and put their interests before ours.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-2 fusion-columns-total-2 fusion-content-boxes-2 content-boxes-icon-boxed content-left\" style=\"--awb-backgroundcolor:#f6f6f6;--awb-hover-accent-color:#c7c7ae;--awb-circle-hover-accent-color:#c7c7ae;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#f6f6f6;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background content-wrapper-boxed link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><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;top:-71px;margin-left:-21px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-thumbs-up far circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"--h2_typography-font-size:18px;line-height:23px;\">You are happy<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Our members tell us they like what we deliver: we consistently have the highest levels of customer satisfaction among banking groups according to Roy Morgan Research. Our members experiences are all personalised. You are not just a number to us.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#f6f6f6;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-6 col-md-6 col-sm-6 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background content-wrapper-boxed link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><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;top:-71px;margin-left:-21px;border-radius:50%;font-size:21px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-paper fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"--h2_typography-font-size:18px;line-height:23px;\">You are our main focus <\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>We\u00a0were founded on the principle of <strong>giving back<\/strong> to the community and so we are\u00a0are committed to social responsibility, environmental sustainability, and financial literacy both in Australia and further afield through our sponsorship&#8217;s and community programs.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:top left;--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:20px;--awb-background-color:#ffff;--awb-background-image:linear-gradient(180deg, #f6fbe9 0%,#f6fbe9 100%);--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:5%;--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-padding-top:5%;--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><h3 style=\"text-align: left;\">For more information on Customer Owned Banking, <a href=\"http:\/\/www.customerownedbanking.asn.au\/\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/h3>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-padding-top:5%;--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-25273","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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