Looking forward together: A message from NAB CEO Andrew Irvine to customers

08.12.2025

As we approach the end of 2025, in a letter to customers, NAB CEO Andrew Irvine has shared his reflections on the year and the economic outlook for 2026.

Mr Irvine shares that Australians have many reasons to feel optimistic for the year ahead

“Everyday household pressures including from interest rates and cost-of-living have been easing and people are generally spending more,” Mr Irvine said.

“Despite elevated global uncertainty, business confidence has held up and businesses are investing to grow and innovate, though with greater caution. The demand for workers is also strong.

“Looking ahead, 2026 is shaping up to be a year of new possibilities. At NAB we’re ambitious for Australia and for you too as we work together to turn possibility into action.”

The letter also includes a video, opens in new window about how NAB is proudly backing business customers who are bringing innovative property designs and new housing construction solutions to provide greater choice for Australians.

Irvine also recognised that for many people, the end of the year is an opportunity to spend time with family and friends but that it can be an especially tough time for some.

“My message to anyone experiencing financial difficulty is to please reach out to us early. Our dedicated Customer Care team is here to help, with tailored support to help you get back on track”.

For more information on managing repayments, budgeting or accessing hardship assistance find more information at nab.com.au/wecare, opens in new window.

CUSTOMER LETTER:

Dear ,

As we approach the end of 2025, I want to share my thoughts on 2026 and the opportunities it brings for us all.

Australians have many reasons to feel optimistic.

Everyday household pressures including from interest rates and cost-of-living have been easing and people are generally spending more. Despite elevated global uncertainty, business confidence has held up and businesses are investing to grow and innovate, though with greater caution. The demand for workers is also strong.

Looking ahead, 2026 is shaping up to be a year of new possibilities. At NAB we’re ambitious for Australia and for you too as we work together to turn possibility into action.

NAB is Australia’s largest business lender and in 2025, we supported our customers with $128 billion in new business lending. We look forward to continuing to support our customers to grow in 2026 .

We also lent $88 billion to help more than 120,000 NAB customers buy or refinance a home. Providing more Australians with the opportunity to have a place they call home is a particular passion of NAB.

Housing affordability remains one of our country’s biggest challenges, and we’re taking action. We’re aiming to lend at least $60 billion by 2030 to help make housing more affordable and accessible in this country. This could translate into around 55,000 loans for first home buyers and the development of 50,000 new homes.

Importantly, our approach addresses housing supply as much as demand. At NAB we are proud to be backing many of our business customers who are bringing innovative property designs and new construction solutions to provide greater choice for Australians.

For many people, the end of the year is an opportunity to spend time with family and friends. But I also understand it can be an especially tough time for some.

My message to anyone experiencing financial difficulty is to please reach out to us early. Our dedicated Customer Care team is here to help, with tailored support to help you get back on track. Whether it’s managing repayments, budgeting or accessing hardship assistance, you can find more information at nab.com.au/wecare.

On behalf of all my NAB colleagues, I wish you a happy and safe holiday and thank you again for banking with NAB.

Kind regards,
Andrew Irvine