SBS Bank is a New Zealand-based, member-owned bank established in 1869. It offers a range of financial services including personal loans, wealth management, insurance, and KiwiSaver through its subsidiaries like Finance Now and SBS Wealth[1][2]. The bank focuses on helping Kiwis achieve financial independence and home ownership[2]. Its unique selling proposition is its mutual structure, where customers are also owners, emphasizing community involvement and personalized banking[2][5]. The target audience is primarily New Zealanders seeking a community-driven banking experience.