National Australia Bank Limited · ASX:NAB
National Australia Bank — Investor Presentation (July 2025)
28 slides from National Australia Bank's investor presentation, Jul 30, 2025
Slide 1: Showcase: business lending & deposits
Showcase: business lending & deposits 30 July 2025
Slide 2: Agenda
Agenda 10:00 Introduction Andrew Auerbach - Group Executive, Business & Private Banking End-to-end Business Lending Rowan Munchenberg – Executive, Business Lending, Business & Private Banking Q&A – Business Lending Innovative business deposit & payment solutions Shannon Peachey - Executive, Trade &
Slide 3: Three key priorities to drive strong sustainable returns
Three key priorities to drive strong sustainable returns Focus today: Business Banking & Deposits – capabilities to drive growth and performance Business • Consistent execution of long term strategy to drive growth Leading business bank in B&PB banking for SMEs Growing share in SME lending in 1H25
Slide 4: Introduction
Introduction Andrew Auerbach Group Executive Business & Private Banking
Slide 5: Business & Private Banking (B&PB)
Business & Private Banking (B&PB) Australia’s leading business bank servicing the business & personal banking needs of SME customers1 More bankers in Deep sector Integrated HNW Relationship-led Deep credit more places specialisations offering capability Agri, Health, CRE Increasingly enabled >6,000
Slide 6: Underpinned by strong and resilient technology
Underpinned by strong and resilient technology Ambition Enabling best in class banking experiences for our customers and colleagues through safe, simple and modern technology Improved customer & De-risk bank Accurate, available data Build resilience colleague experiences and protect customers & anal
Slide 7: End-to-end digital business lending platform
End-to-end digital business lending platform Rowan Munchenberg Executive, Business Lending - Business & Private Banking
Slide 8: Business & Private Banking (B&PB)
Business & Private Banking (B&PB) Australia’s leading business bank servicing the business & personal banking needs of SME customers1 More bankers in Deep sector Integrated HNW Relationship-led Deep credit more places specialisations offering capability Agri, Health, CRE Increasingly enabled >6,000
Slide 9: The process of business lending
The process of business lending Origination Verification, Fulfilment, In-life loan decisioning settlement activities Customer direct or via banker/broker Lending Associates, Operations team Lending Associates, Credit Credit, Analytics • Assess fit and • Complete assessment • Issue documents to • Mon
Slide 10: B&PB Business Lending – Before State
B&PB Business Lending – Before State A highly disparate, cumbersome and manual process • Inconsistent and lengthy time-to- • Fragmented, legacy decision and time-to-cash environment requiring 60+ • Paper based contract execution applications to originate a loan • Multiple information requests • Manu
Slide 11: Building an end-to-end digital business lending platform
Building an end-to-end digital business lending platform • Faster, simpler, more resilient outcomes Our Aim • Data captured once, used everywhere Transforming the • Compliant by design and error proofed banker & customer • Improved productivity & scalability experience • Migration off legacy applica
Slide 12: Building an end-to-end digital business lending platform
Building an end-to-end digital business lending platform Progressive delivery of value to bankers and customers' overtime • Long term horizon, persistent investment funding • Modern architecture Consistent, Group- • Incremental delivery of components & capabilities wide approach to technology change
Slide 13: Multi year build and delivery component-by-component
Multi year build and delivery component-by-component • Policy & process simplification • Quickbiz relaunched with • Digital Deal Template launched, • Document digitisation straight through processing streamlining deal submission (DigiDocs) starts • Automated debt servicing tool • New security platfo
Slide 14: Transformation progressing well
Transformation progressing well Channel Customer direct Banker Assisted Lending Quickbiz1 Application Fulfilment Manage Customer “I want to understand how to “I receive a decision on my “My loan is contracted, settled “I can vary, renew, review & perspective solve my funding needs” lending need” & r
Slide 15: Transformation progressing well
Transformation progressing well • Building critical core Phase 1 – Largely done components • Digital application Foundations • Lending platform • Lending Portfolio Tracker • Integration of core components Phase 2 - Progressing • Security management Integrating end-to-end • Automated debt servicing •
Slide 16: Progress to date
Progress to date Increasing portion of business lending originated, decisioned, fulfilled and managed digitally via new platform Customer Service Customer Impact Median ‘Time To Yes’ for all business lending applications2 % of QuickBiz applications straight through processed1 -21% 28% 29% 23% 7% 2H2
Slide 17: End-to-end digital business lending platform - Q&A
End-to-end digital business lending platform - Q&A
Slide 18: Innovative business deposit & payment solutions
Innovative business deposit & payment solutions Shannon Peachey Executive, Trade & Transaction Banking - Corporate & Institutional Banking
Slide 19: Sustainably improving business deposit performance
Sustainably improving business deposit performance Growing business deposit market share1 B&PB new business transaction account openings Largest market share improvement of any major bank Mar 20-Mar 25 71% 22% 19% Mar 20 Mar 25 1H20 1H21 1H22 1H23 1H24 1H25 Transactional Banking Relationship Strengt
Slide 20: Underpinned by consistent focus and investment
Underpinned by consistent focus and investment Innovative solutions Deposit rich target Focus & culture sectors Simplification & service addressing customer needs Bankers not lenders Liquidity+ Government Easier & faster onboarding Clear & consistent PayByBank Education performance metrics Straight
Slide 21: Innovative solutions addressing customer needs
Innovative solutions addressing customer needs NAB PayByBank Innovative solutions addressing NAB Portal Pay customer needs NAB Liquidity+ 21
Slide 22: NAB PayByBank
Innovative business deposit and payment solutions NAB PayByBank A fast, simple, secure way to initiate digital payments direct from customer’s bank accounts • Alternative to a direct debit giving customers more visibility and control over recurring bills, subscriptions and memberships • Payment agre
Slide 23: NAB Portal Pay
Innovative business deposit and payment solutions NAB Portal Pay Receive a Deposit Tenant Portal Enhanced Reconciliation Collect property sales An easy, secure and reliable Simplified record keeping, deposits in real time at way for tenants to make daily reconciliation auctions or private sales rent
Slide 24: NAB Liquidity+
Innovative business deposit and payment solutions NAB Liquidity+ • AI enabled cash management solution for customers with sophisticated cash, liquidity, working capital and FX needs • Real-time visibility of cash, dynamic cash insights and precision forecasting • Customers can securely access both N
Slide 25: NAB Connect secure online banking
NAB Connect secure online banking Supporting B&PB1 and C&IB customers manage their business from anywhere • Mobile app and internet capability with +99% service availability • Customisable to business needs through self and assisted service functions • In-built fraud controls such as configurable pa
Slide 26: Innovative business deposit & payment solutions – Q&A
Innovative business deposit & payment solutions – Q&A
Slide 27: Thankyou for joining
Thankyou for joining
Slide 28: Disclaimer
Disclaimer The material in this presentation is general background information about the NAB Group current at the date of the presentation on 30 July 2025. The information is given in summary form and does not purport to be complete. It is intended to be read by a professional analyst audience in co
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