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Highlights

  • NAB posted cash earnings of $3.583 billion for H1 FY25, with ROE at 11.7%.

  • The Common Equity Tier 1 (CET1) ratio remains strong at 12.01%, supporting growth and resilience.

  • Completed Remedial Action Plan under AUSTRAC, boosting financial crime controls.

National Australia Bank Limited (ASX:NAB) has reported cash earnings of $3.583 billion for the first half of FY25. The bank's return on equity (ROE) reached 11.7% while executing its refreshed strategic direction.

NAB’s performance in H1 FY25 builds on momentum across its core businesses, with a sharpened focus on business banking, proprietary home lending, and deposit growth. These strategic pillars have begun delivering results, contributing to earnings stability and positioning the bank to deliver sustainable returns for shareholders.

“Our strategy is starting to show encouraging signs, even as we navigate economic headwinds,” said NAB’s executive leadership. “We remain committed to disciplined execution and prudent risk management.”

Capital Strength and Liquidity Buffer

NAB continues to maintain encouraging capital and liquidity metrics, with a Common Equity Tier 1 (CET1) capital ratio of 12.01% as of the period end. This provides a foundation for ongoing balance sheet growth, supports customer lending, and ensures flexibility in response to market volatility.

AUSTRAC Compliance Milestone

A notable achievement in the first half was the completion of NAB’s Remedial Action Plan under AUSTRAC’s Enforceable Undertaking. The successful delivery of this plan marks a major step forward in NAB’s anti-money laundering (AML) and counter-terrorism financing (CTF) controls.

Commitment to Sustainability

Sustainability remains central to NAB’s corporate strategy. The bank continues to lead in areas such as climate action, affordable housing, and First Nations economic advancement.