NGM Group, formed in 2023 from the merger of Greater Bank and Newcastle Permanent, is a customer-owned bank offering retail banking services to over half a million Australians. They provide competitive rates and award-winning service, focusing on community support. Their target audience includes individuals and households seeking banking alternatives to major banks. The unique selling proposition is their customer-owned model, allowing them to prioritize customer needs without shareholder pressures, offering personalized and community-focused banking experiences[1][2].