National Australia Bank (NABZY)
OTHER OTC:NABZY
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Earnings Data
Report Date
Nov 05, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.44Last Year’s EPS
0.35Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a cautiously positive outlook: strong underlying business momentum (notably in business lending, deposit growth, proprietary home lending and customer advocacy) and solid liquidity/capital positions underpin confidence. However, material one-off software capitalization changes, higher credit impairment provisioning (including a $300m forward-looking top-up), margin pressures in some lending areas, and heightened macro/geopolitical uncertainty introduce near-term headwinds. Management actions to bolster capital and balance sheet resilience were emphasized and operating performance excluding the large notable remained constructive.Company Guidance
Underlying Profit and Cash Earnings Growth (Ex-Notables)
Underlying profit (excluding the large software capitalization notable) rose 6.4% half-on-half; cash earnings excluding the notable item grew 2.3%.
Revenue and Net Interest Margin Performance
Revenue increased 3.1% driven by volume growth and stronger markets & treasury income; net interest margin (NIM) rose 3 basis points overall, with a 3-basis-point benefit from the deposit replicating portfolio (5-year deposit hedge).
Strong Business Lending and Overall Lending Growth
Total business lending GLAs increased 11.5% year-on-year to $306 billion (strongest annual growth in 3 years); business credit growth in the half was 6.9%. Business & Private Banking delivered a 5.4% increase in underlying profit.
Deposit Momentum and Transaction Account Growth
At-call/transaction account balances grew strongly: transaction account balances up 10.8% in Business & Private Banking; combined Business & Private Banking and Personal Banking grew at-call deposit balances by $14 billion in the half; new transaction account openings up ~30% (Personal) and ~31% (Business) over two years.
Proprietary Home Lending Share Gains
Share of home lending drawdowns via proprietary channels rose from 41.4% to 47.7% in H1; in March 50% of drawdowns were through proprietary channels, supporting improved returns on home lending.
Customer Satisfaction and NPS Improvements
NAB won the Roy Morgan Customer Satisfaction Award (Major Bank of the Year 2025); positive Net Promoter Score (NPS) across all four segments for the first time. Medium & large business NPS improved 16 points year-on-year; high net worth/mass affluent NPS improved 14 points; mass consumer and micro/small business up 5 points.
Technology Modernization and AI Adoption
Completed migration of payments to a cloud-based real-time payments engine; transaction switch installed in cloud with card migration planned by FY27; AI tools rolled out to over 7,000 software engineers, improving developer productivity and change cycle delivery times.
Capital, Liquidity and Dividend
March CET1 was 11.65% (above operating target >11.25% and regulatory minimum). Management announced a 1.5% DRP discount and partial underwriting expected to raise ~$1.8 billion, lifting pro forma CET1 ~40 bps to ~12.05%. Interim dividend declared $0.85 representing 72.5% payout of cash earnings (ex-notables), within the 65%-75% target.
Cost and Productivity Outcomes
Operating expenses (ex-notable) declined 0.5% half-on-half; productivity savings of $199 million achieved in the half with a full-year productivity target >$450 million. Investment spend for FY26 expected ~ $1.8 billion.
Liquidity and Funding Strength
Quarterly LCR at 132% and NSFR at 116% (both well above regulatory minima). Term funding issuance of $19.6 billion in H1, with full-year issuance expected ~ $36 billion.
NABZY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NABZY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 05, 2025 | $13.88 | $13.37 | -3.73% |
May 06, 2025 | $10.73 | $10.89 | +1.45% |
Nov 06, 2024 | $11.87 | $12.10 | +1.91% |
May 01, 2024 | $9.86 | $10.07 | +2.17% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does National Australia Bank (NABZY) report earnings?
National Australia Bank (NABZY) is schdueled to report earning on Nov 05, 2026, TBA (Confirmed).
What is National Australia Bank (NABZY) earnings time?
National Australia Bank (NABZY) earnings time is at Nov 05, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NABZY EPS forecast?
NABZY EPS forecast for the fiscal quarter 2026 (Q4) is 0.44.