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NAB's Third-Quarter Earnings Reflect Steady Growth

Lending Expansion and Margin Improvement Drive Earnings

NAB's Third-Quarter Earnings Reflect Steady Growth?w=400

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National Australia Bank (NAB) has reported a marginal increase in third-quarter cash earnings, reaching A$1.77 billion, up from A$1.75 billion in the same period last year.
This growth is supported by improved net interest margins and increased lending volumes.

Business lending saw a 4% rise, while Australian home lending grew by 2% compared to the quarterly average of the first half. The net interest margin improved by 8 basis points overall, with a 4 basis point increase excluding Markets and Treasury, driven by higher earnings on replicating portfolios and lower funding costs.

Despite these positive indicators, NAB faced credit impairment charges totaling A$254 million, primarily from business lending in Australia and New Zealand and unsecured Australian retail portfolios. Additionally, operating costs rose by 3% this quarter, with the bank anticipating a 4.5% increase in expenses for the fiscal year, including A$130 million for a payroll remediation program.

For customers, NAB's steady earnings and lending growth suggest continued support for both business and home loan applicants. However, the bank's focus on addressing operational challenges indicates a commitment to improving internal processes and customer service.

In conclusion, NAB's third-quarter performance reflects a balanced approach to growth and operational management. The bank's efforts to enhance lending services while addressing internal challenges demonstrate its dedication to maintaining a strong position in Australia's competitive banking sector.

Published:Sunday, 5th Oct 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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