# Hume Bank

Hume Bank is a Bank / Wealth / Trust based in Albury, Australia.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Albury, Australia
- **Region:** Oceania
- **Address:** Albury, New South Wales, Australia
- **Founded:** 1955
- **Assets under management:** Undisclosed
- **Website:** humebank.com.au
- **LinkedIn:** https://www.linkedin.com/company/humebank

## Regulatory record

- **Reports private funds:** No

## About

Since 1955, we’ve prioritised our customers. Formed to aid home ownership dreams, we now support you on your path to a brighter future.

## Sectors

- Real Estate
- Private Credit
- Infrastructure

## People

- Stephen Capello — Chief Executive Officer
- Michael O'Shea — Chairman

## Questions

### Is Hume Bank a listed bank or a mutual?

Hume Bank is a customer-owned mutual bank, fully owned by its depositors and borrowers rather than external shareholders. It converted from a building society structure in 2014 and has no publicly traded equity. This governance model allows earnings to be reinvested into the balance sheet and regional lending rather than distributed as dividends.

### What does Hume Bank's commercial lending portfolio cover?

The bank's commercial book concentrates on regional New South Wales and northern Victoria, financing industrial property, retail centers, agricultural land, and local development projects. It also participates in syndicated infrastructure and private credit facilities through institutional fund commitments, a duration-matching strategy common among Australian mutuals.

### How large is Hume Bank's balance sheet?

Total assets exceed A$1.7 billion, placing Hume Bank in the mid-tier of Australian customer-owned banks. The institution does not disclose AUM in the sense of discretionary third-party capital, as its lending and investment portfolios are funded primarily through its retail deposit base and retained earnings.

### Who makes investment and credit decisions at Hume Bank?

CEO Stephen Capello oversees the bank's strategic direction, including credit posture and institutional investment mandates, with oversight from Chairman Michael O'Shea and the mutual board. Day-to-day credit underwriting and treasury allocation are handled internally by the bank's lending and treasury teams, with third-party managers engaged for specialized institutional fund commitments.

## Related profiles

- [Humankind Investments](https://altss.com/profile/humankind-investments)
- [Hummel Family Foundation](https://altss.com/profile/hummel-family-foundation)

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Last updated: 2026-06-03T20:00:00.000Z

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