bankmecu has added a strong sustainability theme to its Financial System Inquiry submission, which otherwise echoes the submissions of the Customer Owned Banking Association and the regional banks.It recommended that the Australian government and its agencies bank only with authorised deposit-taking institutions which produce an integrated corporate report or sustainability report.Integrated reporting is designed to provide a "holistic picture of how corporations create shareholder value. The IR approach recognises that companies operate as a complex interdependence of economic, social, cultural and environmental inputs, performance and impacts."bankmecu adheres to the principles of the Global Alliance for Banking on Values, which says that sustainable banks must focus "simultaneously on people, planet and prosperity… They don't just avoid doing harm, they actively use finance to do good."bankmecu has strong environmental and financial inclusion credentials. Since 2008 it has invested in a conservation land bank in regional Victoria, where re-vegetation of unproductive farmland offsets the greenhouse emissions generated by the bank's activities, the cars it finances and loss of biodiversity resulting from the new homes it finances.It also recommended that the government fund research into the current state of financial inclusion and ways to encourage greater inclusion. It submission said: "Financial inclusion is a worthy goal of a democratic and developed society but many banks treat it as a low priority."