The principles of The Banking and Finance Oath (The BFO) complement and reinforce the norms of conduct highlighted by Commissioner Hayne in the Final Report of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry. In the Report Commissioner Hayne emphasises the need for institutions and staff in the financial services industry to have a clear understanding “of what is ethical, of what is efficient, honest and fair, of what is the 'right' thing to do”.

Through awareness and education The BFO aims to continually improve our society by strengthening the ethical foundation of the financial services industry beyond regulation, compliance and professional standards.

This portal is an effort to provide access for individuals working in the financial services industry to build their knowledge and strengthen their ethical foundation, sharpen their ethical lens and as a result, avoid unthinking practices. The BFO in partnership with other industry associations and universities is proud to be offering access to various training programs, research, reources and case studies.

Training programs, research and resources

Ethics Learning Lab

Welcome to the CFA Institute

Research papers

Stronger Risk Controls, Lower Risk: Evidence from U.S. Bank Holding Companies
By Andrew Ellul and Vijay Yerramilli
Journal of Finance, (August 31, 2012).

Video series

Ethics in Business:
In Their Own Words


Moral and Strategic: Re-establishing Corporate Legitimacy
7 August 2018
Hosted by The Banking and Finance Oath at The Ethics Centre
Academic research presented by Dr Rosemary Sainty

Read the Discussion Paper >>


Embedding The BFO: Best practice case studies from across financial services

Best practice tips

How to embed The Banking and FInance Oath in your organisation

Koda Capital: A Banking & Finance Industry Copyright Case Study
Integrity Solutions: Ethical Culture Training - Teachers Mutual Bank Case Study
Case study coming soon
Case study coming soon

Case Study: Implementing The Banking and Finance Oath at Rabobank Australia

If you have a case study you'd like to share please email

The Oath

  • Trust is the foundation of my profession.
  • I will serve all interests in good faith.
  • I will compete with honour.
  • I will pursue my ends with ethical restraint.
  • I will help create a sustainable future.
  • I will help create a more just society.
  • I will speak out against wrongdoing and support others who do the same.
  • I will accept responsibility for my actions.

In these and all other matters;
My word is my bond.

The Vision

A banking and finance industry that meets the community’s needs and has its full confidence thereby fulfilling its integral role in society.