Consumer and Wealth

Consumer Banking & Wealth is responsible for the distribution components of wealth management, as well as our personal banking network, including UBank.

We manage more than 5 million consumer relationships in Australia through our national network of over 780 branches/kiosks and through our centralised sales and service teams. We also generate sales through independent third parties including mortgage brokers, who account for nearly half of all mortgage sales in Australia.

Our Wealth teams provide investment, superannuation and insurance solutions to help our customers build their wealth and secure their financial future.

We support the provision of quality financial advice through financial planning networks including Godfrey Pembroke, Garvan Financial Planning, MLC Financial Planning, Meritum and Apogee Financial Planning.

In addition, MLC is the partner of choice for more than 1,800 self-employed aligned and salaried advisers in Australia.

Corporate and Institutional Banking

Corporate & Institutional Banking (C&IB) provides a range of products and services critical to the success of our Corporate and Institutional customers.

C&IB brings together the Corporate and Institutional Banking businesses from within Business Banking as well as the Fixed Income, Currencies and Commodities (FICC) and Capital Financing businesses from within Products & Markets.

Asset Servicing and International Branches also reside within C&IB.

Business and Private

Business & Private Banking brings together our leading NAB Business with Specialised Banking (including Agribusiness; NAB Health; and Government, Education, Community & Franchising); Business Direct & Small Business; NAB Private; and JBWere.

With around 5,000 people across Australia we're focused on the needs of three of NAB's priority customer segments – small businesses, medium businesses and investors. We're passionate about delivering great experiences to meet our customers' business and wealth needs.

By knowing our customers and their industry, we've become Australia's largest and leading business bank. We're also a trusted partner in providing private banking services to customers through premium wealth strategy, advice and investments.

Customer Products and Services

Customer Products & Services key role is to build and manage products which create a great customer experience:

  • Lending and deposit products
  • Trade finance, working capital products, FX, interest rate and commodity solutions
  • Funding solutions and access to global capital markets for financial institutions, superannuation funds, governments and businesses
  • Custody and investment services for super funds, fund managers and financial institutions.

We're also responsible for managing NAB's digital channels, all marketing activity, strategy development, NAB Labs/Ventures, and corporate affairs activity (government relations, corporate responsibility and media).

Technology and Operations

Technology & Operations combines the core operations and service functions for our Australian-based divisions into a single centre of operational excellence.

Our key services include technology, back office processing, property management, procurement, project management and business management. We are also responsible for the operating functions of the non-life Wealth Management business.

We facilitate Group convergence, collaboration, quality and service across NAB, and manage the transformation of our business and technology systems.

Learn more about working in Technology at NAB.


Our people team work with all areas of the bank and act as key advisers to create value through our people, communication and culture. The team helps to shape a workplace and culture which inspires people to be the best they can be.


Risk exists in all aspects of the Group’s business and the environment in which we operate. The Group maintains a strong risk governance and oversight framework that originates at Board level and cascades down through the Group.

The Board and its Risk Committees are responsible for the Group’s risk management framework and for the review and oversight of the Group’s risk profile within the context of the Board’s risk appetite.

This helps our people do the right thing by our shareholders, customers and community to ensure our business is sustainable for the long term.


The Finance division is responsible for NAB Group's finance activities, investor relations, debt funding, interest rate risk management, capital management, global taxation, audit and economic research.
Our people provide this specialist advice and support to our businesses globally. We also manage NAB's liquidity, capital, funding and balance sheet management through Treasury.

Our international businesses

The majority of our financial service businesses operate in Australia and New Zealand, with other businesses located in Asia and the US.

NZ Banking

Our New Zealand banking business operates under the Bank of New Zealand (BNZ) brand. It comprises of retail, business, agribusiness, corporate, private banking, wealth and insurance franchises.


We have presence in over six locations in Asia including Hong Kong (SAR of China), Singapore, Japan, China, India and Indonesia. We offer our customers a full suite of banking and financial services ranging from private wealth, investment advisory, to business and institutional banking.