# Rural Bank

Rural Bank is a Bank / Wealth / Trust based in Adelaide, Australia.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Adelaide, Australia
- **Region:** Oceania
- **Address:** Adelaide, SA, Australia
- **Founded:** 2000
- **Assets under management:** Undisclosed
- **Website:** www.ruralbank.com.au
- **LinkedIn:** https://www.linkedin.com/company/bendigobankagribusiness

## Regulatory record

- **Reports private funds:** No

## About

Bendigo and Adelaide Bank Limited's Rural Bank division provides financial services to the agribusiness sector. It offers specialist lending products, personal banking services, and savings and investment accounts for Australian farmers. Founded in 2000, Rural Bank is based in Adelaide, South Australia.

## Sectors

- AgriTech & FoodTech

## Questions

### Who owns Rural Bank?

Rural Bank is a wholly owned subsidiary of Bendigo and Adelaide Bank, one of Australia's largest retail banks. Bendigo acquired full ownership in 2010 after initially forming the venture as a joint operation with Elders in 2000. The parent's deposit base and funding capability underpin Rural Bank's agricultural lending book.

### What does Rural Bank's loan book look like by commodity exposure?

The bank does not publish a granular commodity breakdown, but its lending is concentrated in broadacre cropping, livestock, viticulture, horticulture, and dairy. Australian Prudential Regulation Authority data confirms agricultural lending dominates the balance sheet, with negligible metropolitan housing exposure compared to its parent.

### Does Rural Bank offer deposits to the general public?

Yes, Rural Bank holds an authorized deposit-taking institution license from APRA and offers term deposits and farm management deposits to Australian customers. Its deposit products are distinct from Bendigo Bank's retail offerings, though both are covered by the Australian Government's Financial Claims Scheme.

### Who competes with Rural Bank in Australian agricultural lending?

Its primary competitors are Rabobank Australia, National Australia Bank's agribusiness division, and the pastoral finance arms of ANZ and Commonwealth Bank. Non-bank lenders such as Merricks Capital and various agricultural credit funds also compete for larger corporate farm exposures.

### What is the Australian Farmland Values report that Rural Bank publishes?

Rural Bank produces a biannual report tracking median price per hectare across Australian agricultural regions, based on actual settlement data its lending teams observe. The report is widely cited by industry bodies, valuers, and government agencies as a benchmark for Australian farmland price trends.

### Does Rural Bank have any international operations or lending outside Australia?

No, Rural Bank's lending is entirely domestic. Its credit exposure is limited to Australian agricultural land and operating entities. Unlike Rabobank, which can route large cross-border agri-finance deals through its global network, Rural Bank does not lend offshore.

## Related profiles

- [Rural American Fund](https://altss.com/profile/rural-american-fund)
- [Rural Mutual Insurance Company](https://altss.com/profile/rural-mutual-insurance-company)

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

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