Banking and Financial Services: approx. 70%
Asset Management: approx. 15%
Insurance Services: approx. 10%
Other Services: approx. 5%

Australia: approx. 60%
New Zealand: approx. 25%
Asia: approx. 10%

National Australia Bank Limited (NAB) generates the majority of its revenue from the banking and financial services sector, which is typical for large banks. This includes both retail and business customers. Asset management and insurance services also contribute significantly to the revenue.

Geographically, Australia is the main market for NAB, followed by New Zealand. The Asian market, although smaller, offers growth opportunities and also contributes to the revenue. This distribution reflects NAB's strategic focus on the Australian and New Zealand markets while expanding its presence in Asia.

Production sites: No specific production (as of 2023)

National Australia Bank Limited (NAB) is primarily a financial services company and does not produce physical products. The bank offers a variety of financial services, including banking, lending, asset management, and insurance.

As a financial institution, NAB operates primarily in Australia, with additional activities in New Zealand and some international markets. Services are provided through a network of branches, digital platforms, and partners.

Growth Strategy: Digitalization and Customer-Centricity

Sustainability Initiatives: Increase in green financing

Market Expansion: Expansion in Asian markets

National Australia Bank Limited (NAB) is focusing on digitalizing its services to enhance customer experience and increase operational efficiency. This includes investments in modern technologies and digital platforms to optimize customer service and reduce costs.

Another key focus is on sustainability. NAB has committed to increasing its green financing to support the transition to a more sustainable economy. This involves financing projects in renewable energy and sustainable agriculture.

In addition, NAB is pursuing a strategy of geographical expansion, particularly in Asian markets, to unlock new growth opportunities and strengthen its international presence.

Raw materials/materials: No specific raw materials

National Australia Bank Limited (NAB) is a financial institution and not a manufacturing company. Therefore, it does not import physical raw materials or materials in the traditional sense.

As a bank, NAB is mainly active in the areas of financial services, lending, and asset management. Its "raw materials" are more of a financial nature, such as capital and liquidity, which it sources from the international financial markets.

If you need information on NAB's investments or financial engagements in specific raw material sectors or countries, an analysis of the investment portfolios or reporting on sustainable financing would be helpful.

Market share in Australia: approx. 20% (estimated 2024)
Common Equity Tier 1 (CET1) ratio: 11.5% (2024)
Customer satisfaction: 82% (2024)

National Australia Bank Limited (NAB) has a significant competitive advantage in the Australian banking sector, which is manifested by several factors. Firstly, NAB holds a considerable market share of around 20% in the Australian banking industry, indicating a strong customer base and a broad branch network.

The bank also maintains a solid Common Equity Tier 1 (CET1) ratio of 11.5%, pointing to strong financial stability and the ability to meet regulatory requirements. This financial robustness enables NAB to remain resilient in economically uncertain times and continue to invest in growth and innovation.

Furthermore, a customer satisfaction rate of 82% demonstrates NAB's ability to provide high-quality services, strengthening customer loyalty and fostering long-term relationships. This is a crucial factor that further solidifies the bank's competitive advantage.

Overall, NAB benefits from a strong market position, financial stability, and high customer satisfaction, providing the company with a sustainable competitive edge in the banking sector.

Institutional investor share: approx. 60% (2025, estimated) Insider purchases/sales: No significant transactions in the last year (2025, estimated)

The institutional investor share in National Australia Bank Limited traditionally stands at around 60%, indicating the trust of major investment funds and institutional investors in the bank's stability and growth potential.

In 2025, there were no significant insider purchases or sales, suggesting that the management and other insiders are confident in the current valuation and future prospects of the company. This can be seen as a positive signal for investors, as it indicates a stable internal confidence in the company's strategy.

Market share of National Australia Bank Limited (NAB): approx. 20% (2025, estimated)

Main competitors and their market share:

1. Commonwealth Bank of Australia (CBA): approx. 25%
2. Westpac Banking Corporation: approx. 22%
3. Australia and New Zealand Banking Group (ANZ): approx. 18%
4. Macquarie Group: approx. 10%
5. Bendigo and Adelaide Bank: approx. 5%

Moat of NAB:

National Australia Bank Limited (NAB) has a significant moat, mainly supported by its strong market position, extensive customer base, and diversified services. The moat is further reinforced by its high market capitalization and the ability to offer innovative financial products.

Compared to its competitors, the Commonwealth Bank of Australia (CBA) has a slightly stronger moat, as it holds the largest market share and is generally considered the market leader in the Australian banking landscape. CBA benefits from a wider range of products and stronger brand awareness.

Westpac and ANZ also have strong moats, supported by their extensive international networks and specialized services. Macquarie Group is known for its investment banking services and has a niche moat in this area.

Overall, NAB has a solid moat, but the competition is intense, and the other major banks also have significant strengths that allow them to remain competitive.

Revenue Growth: 4.5% (2024) Net Profit Growth: 3.2% (2024) Return on Equity: 10.8% (2024) Common Equity Tier 1 Ratio (CET1): 11.5% (2024)

The National Australia Bank Limited (NAB) recorded a moderate revenue growth of 4.5% in 2024, indicating a stable economic situation and effective business operations. The net profit growth of 3.2% shows that the company is able to increase its profitability despite economic challenges.

The return on equity of 10.8% suggests that NAB efficiently utilizes its capital and generates a solid return for shareholders. A common equity tier 1 ratio of 11.5% indicates that the bank is well capitalized, supporting its stability and ability to withstand future economic fluctuations.

Overall, NAB demonstrates a healthy financial position with stable growth rates and a strong capital base. These factors make the stock a potentially good investment, especially for investors seeking stability and long-term growth. However, it is advisable to also consider macroeconomic conditions and industry-specific risks before making an investment decision.

Dividend yield: 5.1% (estimated for 2025)
Dividend history: Consistent payout in recent years

National Australia Bank Limited (NAB) is known for its reliable dividend policy. Historically, NAB has regularly paid dividends, making it an attractive option for income-oriented investors.

The estimated dividend yield for 2025 is around 5.1%, which is competitive compared to other banks in the Australian market. The bank has also paid dividends in economically challenging times in the past, indicating a solid financial foundation and a conservative payout policy.

Overall, it is expected that NAB will maintain a stable dividend policy in the coming years, supported by a strong capital position and a robust business model.