National Australia Bank Limited (NAB) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Thank you for standing by and welcome to the National Australia Bank first half 2026 results presentation. Go ahead, please. Good morning and thank you for joining us today for NAB's half year 2026 results. I'm Sally Miles, the Head of Investor Relations. I would like to acknowledge the traditional owners of the land from which I join you today, the Gadigal peoples of the Eora Nation. I'd like to pay respect to their elders past and present and to the elders of the traditional lands from which you join us. Presenting today will be Andrew Irvine, our Group CEO, and Inder Singh, our Group CFO. We're also joined in the room by members of NAB's executive team. Following the presentations, there'll be an opportunity for analysts and investors to ask questions. I'll now hand to Andrew. Thank you, Sally, and good morning, everyone. I'd also like to welcome Inder, who is presenting his first set of results for NAB. NAB's half-year 2026 results benefited from good momentum across our business, supported by stable margins. We also benefited this half from strong, broad-based credit growth in a supportive economic environment. The outbreak of conflict in the Middle East created more volatile environment, which we do expect to continue for some time. In light of this, we have improved the strength and resilience of our balance sheet, to support our customers. Our customer-centric strategy becomes even more important in the current environment, and we continue to execute the strategy with both focus and discipline. This is helping us deliver better customer experiences, which in turn drives improved customer advocacy. To achieve our ambition to be the most customer-centric company in Australia and New Zealand, we must continue to modernize our technology to build a simple, fast a...