Our brands
Our brands are the way that most of our customers experience working with us.
Each brand positions itself uniquely depending on customer needs, but is built on a common commitment to offering quality service and products, fair fees and charges, and relationships built on help, guidance and advice.
The Group is governed by a Board of Directors and led by a Group Executive Committee.
The Group's businesses are supported by a streamlined Corporate Centre which comprises service teams, including group finance, legal, treasury, group risk management, group strategic investments, people and culture, investor relations, corporate affairs, corporate secretariat and the office of the CEO.
Australia | UK | New Zealand | United States | Asia | Global
Australia
The Australian region is made up of:
Personal Banking
Personal Banking has over 10,000 employees, more than three million personal and micro business customers across Australia and approximately 750 retail outlets, agencies and kiosks. The business consists of:
- NAB Retail
- NAB Partnerships
- Direct Banking
- Consumer Product Solutions
- Strategy, Business Development & Marketing
- Business Operations
- Finance
- Risk
In 2009, UBank, NAB's direct banking offering, attracted a significant customer base in its first year. The success of its initial offering was followed by the launch of USaver, a high interest online savings account. USaver added almost 10,000 new accounts in its first month. Find out more about UBank here.
Business banking
NAB is Australia's leading business bank for both lending and deposit market share. Our team of over 5,000 business bankers and specialists provide insights and solutions to more than 700,000 clients, ranging from SMEs and mid-market corporates to large institutional clients. Business Banking consists of:
- nabbusiness
- Corporate Banking and Specialised Businesses
- Institutional Banking
- Working Capital Services
- Business Operations, Strategy and Marketing
In 2009, Business Banking was named Business Bank of the Year by CFO Magazine and again achieved the highest business customer satisfaction rating among the major banks (in the $5 million - $500 million segment) according to a survey by East & Partners
MLC & NAB Wealth
MLC & NAB Wealth has more than 5000 employees who provide investment, superannuation, insurance and private wealth solutions to individual investors and corporate customers throughout Australia. The business also offers financial planning and advice through NAB Financial Planning, Godfrey Pembroke, Garvan Financial Planning, MLC Financial Planning and Apogee Financial Planning. See how our brands work together here.
In 2009, MLC & NAB Wealth made two strategic acquisitions:
- Aviva's wealth management business in Australia, including Aviva's life insurance operations and discretionary investment platform, Navigator. The acquisition adds scale, efficiency and new capabilities to MLC's operations.
- 80.1% of JB Were. Together with NAB Private Wealth, this will enable MLC to deliver an attractive wealth management offering for high net worth individuals.
MLC has led the industry in the transition towards a more transparent, fee-based advice model, rather than a commission-based structure. In PricewaterhouseCoopers 2009 Wealth Management CEO Survey, MLC was rated the most admired wealth management company for promoting trust and confidence in the industry.
Wholesale Banking
Wholesale Banking has more than 3500 people across Australia, New Zealand, Asia, the United Kingdom and the United States. Working closely with the NAB's franchises in each region, Wholesale Banking provides clients with access to international financial markets and a range of specialised funding, investment, asset services and risk management capabilities. Backed by NAB's strong balance sheet and credit rating, it manages relationships with financial institutions internationally.
Wholesale Banking's product and service offering includes funding solutions, investment solutions, client risk management solutions, asset servicing (custody) and research. Visit Wholesale Banking to access global market research, applications such as eFX Dealing and information on our range of client solutions. The site also allows users to subscribe to the latest research and news broadcasts.
National Australia Bank Asset Servicing
A business unit of Wholesale Banking, Asset servicing has provided custody and related services to domestic and international institutions since 1950.
For more information please visit the Asset Servicing's website which is a secure, internet custody services client portal.
Other Australian Websites
Advantedge comprises of two business streams, one providing Broker Platform (Aggregation) services and the other multi-branded (white label) lending for residential loans.
White Label Lending - Advantedge’s White Label Lending business primarily provides wholesale mortgage products to mortgage managers who distribute these products to borrowers under their own individual brand. Advantedge distributes its loan products via a network of accredited mortgage managers. Advantedge acts as the funder and servicer of these loans.
Broker Platforms / Aggregation - Advantedge’s Broker Aggregation Platform business provides support services to accredited finance brokers, who in turn assist borrowers in selecting and arranging their loan. Advantedge owns three Broker Platform businesses, being PLAN, Choice and FAST.
Apogee Financial Planning is one of the National group's financial planning dealerships, working collaboratively with more than 200 self-employed advisers. The group is committed to transforming advice practices into more efficient businesses by embracing our full spectrum of financial planning services and platform approach.
This website provides financial planning and company information as well as the opportunity to contact an adviser. Advisers can also access dealership-specific planning information, tools and updates within a secure area.
ClientEnquiry is a facility provided via the MasterKey Custom and MLC Adviser sites and allows advisers to provide authorised users access to client information held with MLC via their own business website.
As part of the National group of companies, the Garvan/MLC Financial Planning dealership has a well-defined business model and access to an extensive range of services to support the development of advice practices.
The website provides financial planning and company information as well as the opportunity to contact an adviser. Advisers can access dealership-specific planning information, tools and updates within a secure area.
Godfrey Pembroke is one of the National group's financial planning dealerships, focused on attracting and retaining high net worth clients through sophisticated technical services and the status of their corporate brand. This website provides financial planning and company information as well as the opportunity to contact an adviser. Consultants can also access dealership-specific planning information, tools and updates within a secure area.
JANA is a leading investment consulting firm that was fully acquired by the National Group in December 2000. JANA services some of Australia's leading institutional investors, with approximately A$145 billion under advice. The website provides information on the range of consulting services available to clients.
NAB Financial Planning AdviserPoint
NAB Financial Planning is the advice channel incorporating the National's salaried financial planners across both Personal and Business segments. Their secure AdviserPoint website provides planning information, tools and updates to support the delivery of holistic advice to clients.
National OnLine Investing provides broking and share trading services to direct investors. The National OnLine Trading website provides clients with online trading of ASX listed shares and warrants, along with extensive independent company research and market information.
With National Margin Lending investors borrow against existing investments (ie. gear) to invest more, providing the potential for greater returns. Investment options cover a range of shares and managed funds. National Margin Lending has an Adviser website that gives advisers access to their clients' margin lending reports, as well as tools and general information.
Plum Financial Services, a wholly owned subsidiary of MLC Limited, provides integrated and innovative superannuation solutions for medium to large Australian organisations.
Plum's website - www.plum.com.au
allows members to access their latest superannuation balance, investment information and market news, and education resources to help them plan for their financial future. Plum's corporate clients can also go online to manage the day-to-day operations of the fund including access to detailed plan information, member demographics and administration services.
ThreeSixty provides integrated business support services to advisers in the National Group's financial planning dealerships. This website provides an introduction to these services and helps licence holders contact a representative to see how ThreeSixty can assist their business.
The National Australia Bank Group Superannuation Fund provides superannuation for all full and part time National employees plus a retained benefits facility for past employees. The website enables employees to obtain general information regarding the fund. Employees can also log in to obtain specific information regarding their benefits and make changes to their details.
United Kingdom
Our United Kingdom banking franchises, Clydesdale Bank and Yorkshire Bank, provide retail, business and corporate banking services to more than 2.7 million customers across the country through over 300 retail branches. In recent years, we have established a network of Financial Solutions Centres that offer customers a highly integrated business and private banking service.
New Zealand
In New Zealand, BNZ and BNZ Partners provide retail, business and agribusiness banking and insurance services to more than one million customers across New Zealand.
BNZ has pioneered a number of innovative concepts designed to provide customers with a retail, rather than a traditional banking, experience. New concept stores, mobile banking carts and trailers, and the Out of the Box packaged customer solutions have all been introduced.
Other New Zealand websites
Globalplus - 'The Smartest Way to Earn Airpoints'
GlobalPlus is a credit card, from Bank of New Zealand, where Air New Zealand Airpoints are earned on credit card purchases and home loan balances.
The website provides information on the vast array of benefits offered by GlobalPlus, and allows browsers to apply for a GlobalPlus credit card fully online.
The home loan section of the web site is where you can find out about GlobalPlus Home Loans and access calculators that show how much you can borrow and how many Air New Zealand Airpoints can be earned on your home loan.
GlobalPlus members can also view credit card balances and details by linking through to Bank of New Zealand's own internet banking site.
Bank of New Zealand Kiwi Recover
The Bank of New Zealand Kiwi Recovery Trust is a partnership between the Department of Conservation and Bank of New Zealand that works with individuals, communities and businesses across New Zealand. The Trust's goal is to enable kiwi to flourish in their natural habitat, securing the future of our national icon for generations to come.
provides comprehensive information about the kiwi, looks at reasons why its survival is threatened and provides interesting tidbits on the lifestyle and habits of this New Zealand icon. It also provides background on Bank of New Zealand Kiwi Recovery, details some of the interesting projects undertaken, such as Operation Nest Egg, and introduces the people working behind the scenes.
The site also provides a fantastic 'Kiwi Classroom', hosted by 'Sniff'. This section is designed as a learning and fun resource that 'brings the kiwi to life' and helps children learn more about the kiwi and the importance it plays in the New Zealand psyche. Supporters can also show their support for Bank of New Zealand Kiwi Recovery by ordering a Bank of New Zealand Kiwi Recovery debit card or cheque book. Recent press releases and 'The Kiwi Advocate' email newsletter can also be accessed from the site.
United States
In the United States, Great Western Bank (GWB) provides consumer, business and agri banking to more than 300,000 customers. The bank has 125 branches located across seven states, mainly in the Mid-West agricultural region of the US, including South Dakota, Iowa and Nebraska.
Our strategy in the US is to achieve continued growth in consumer deposits, with an increased focus on business and agri banking in our Mid-West footprint.
Asia
National Australia Group in Asia
National Australia Bank in Asia has banking operations in Hong Kong, Singapore and Japan as well as representative offices in China and India. Our business activities in Asia are mainly focused on corporate banking and markets and on premium retail customers.
Our strategy in Asia is to assist both our Australian corporate customers who are doing business in Asia, and Asian companies that are doing business in Australia.
Other Global websites
The National Purchasing and Commercial Card System consists of:
- Commercial Credit Cards,
- Transactional Management Software, and
- Hands on Implementation and Training.
The website details what our Commercial Card System offers a customer (eg. Cards, Software, Implementation and Training), and also incorporates an interactive demonstration of our integrated expenses management tool FlexiPurchase.