Newcastle Permanent is a customer-owned bank offering financial services such as home loans, personal loans, credit cards, and financial planning. As part of the NGM Group, it serves over half a million Australians, focusing on community support and local involvement. Their unique selling proposition is a commitment to community banking without shareholder influence, ensuring customer-centric policies and community support. The target audience includes individuals and families seeking personalized banking services with a focus on community engagement. Services include savings, investments, and insurance, all managed locally within Australia.