Resimac Group Limited has reported its absolute scope 1 and 2 greenhouse gas emissions for the year ended 30 June 2026 and conducted a climate scenario analysis to assess its climate resilience. The company’s emissions data, measured in accordance with The Greenhouse Gas Protocol, shows an absolute gross greenhouse gas emissions total of 76.98 tCO₂-e, with 0.64 tCO₂-e from scope 1 and 76.34 tCO₂-e from scope 2 emissions.
Material actions and disclosures
Resimac has applied the operational control approach to defining its organisational boundary, reporting all scope 1 and 2 emissions for operations within this boundary. Scope 1 emissions include fugitive emissions from refrigerants and air conditioning units in its office locations, while scope 2 emissions cover grid purchased electricity, purchased cooling, and purchased heat in its Sydney and Perth offices.
Resimac did not directly measure any of its scope 1 or scope 2 emissions. For scope 1 emissions, the company sourced refrigerant and associated charge data from refrigerant labels or product websites, using global warming potential (GWP) values from the Intergovernmental Panel on Climate Change Sixth Assessment Report (IPCC AR6). Scope 2 emissions were calculated using the location-based approach, with emission factors sourced from the Australian National Greenhouse Accounts (NGA) 2025.
Forward commitments
Resimac has not set climate-related targets and has not identified any climate-related risks that would threaten the viability of its business model over the assessment period. However, the company is considering engaging external providers to support data collection and reporting capability uplift in preparation for the scope 3 emissions reporting requirements.
Resimac’s climate resilience was assessed through a series of surveys and workshops, covering the whole business, including both segments of Asset Finance and Home Loan. The analysis considered the range of scenarios from the Network for Greening the Financial System (NGFS), selecting NGFS Net Zero 2050 and NGFS Current Policies due to their relevance, plausibility, and usefulness to Resimac.
Under a low warming scenario, Resimac may accelerate the development and rollout of its sustainable product offering, including providing reduced rates for borrowers to purchase energy-efficient and solar-equipped properties. Under a high warming scenario, the company may need to adjust lending policies based on postcode data where insurance is becoming unavailable or unaffordable.
Resimac’s provisioning models, strong LMI partnerships, hardship frameworks, and ability to adjust its credit policy enable the business to respond to the effects identified in the scenario analysis. However, the company’s dependence on borrowing from other lenders may increase financial risks.
These actions are preliminary, and further measures may be required as market expectations and regulatory requirements continue to evolve.
Resimac’s sustainability report was reviewed by Deloitte, who concluded that the specified Sustainability Disclosures are free from material misstatement.