Pillar 3 reports and regulatory disclosures - NAB
Pillar 3 report and capital disclosures
The Pillar 3 Report describes the approach the Group takes to manage risk, and provides detailed information about risk exposures, capital adequacy and liquidity. The report addresses the requirements of the Australian Prudential Regulation Authority's (APRA) Prudential Standard APS 330 Public Disclosure. In addition, quantitative information in the Pillar 3 Report is provided separately in Microsoft Excel format from 1 January 2025 onwards.
A summary of the main features of regulatory capital instruments is provided quarterly from 1 January 2025 onwards. For further information regarding NAB's regulatory capital instruments, please see our Capital and Funding section.
Thursday 6 November 2025
- 2025 Full Year Pillar 3 Report (PDF, 4MB)
- 2025 Full Year Main features of regulatory capital instruments (XLSX, 55KB)
- 2025 Full Year Pillar 3 Report quantitative information (XLSX, 301KB)
Monday 18 August 2025
- 2025 Third Quarter Pillar 3 Report (PDF, 1MB)
- 2025 Third Quarter Main features of regulatory capital instruments (XLSX, 87KB)
- 2025 Third Quarter Pillar 3 Report quantitative information (XLSX, 1.4MB)
Wednesday 7 May 2025
2025
2024
- 2024 Full Year Pillar 3 Report (PDF, 2MB)
- 2024 Third Quarter Pillar 3 Report (PDF, 733KB)
- 2024 Half Year Pillar 3 Report (PDF, 1MB)
- 2024 First Quarter Pillar 3 Report (PDF, 404KB)
2023
- 2023 Full Year Pillar 3 Report (PDF, 1MB)
- 2023 Third Quarter Pillar 3 Report (PDF, 381KB)
- 2023 Half Year Pillar 3 Report (PDF, 1MB)
- 2023 First Quarter Pillar 3 Report (PDF, 548KB)
2022
- 2022 Full Year Pillar 3 Report (PDF, 1MB)
- 2022 Third Quarter Pillar 3 Report (PDF, 1MB)
- 2022 Half Year Pillar 3 Report (PDF, 2MB)
- 2022 First Quarter Pillar 3 Report (PDF, 729KB)
2021
- 2021 Full Year Pillar 3 Report (PDF, 1MB)
- 2021 Third Quarter Pillar 3 Report (PDF, 310KB)
- 2021 Half Year Pillar 3 Report (PDF, 2MB)
- 2021 First Quarter Pillar 3 Report (PDF, 218KB)
2020
- 2020 Full Year Pillar 3 Report (PDF, 643KB)
- 2020 Third Quarter Pillar 3 Report (PDF, 783KB)
- 2020 Half Year Pillar 3 Report (PDF, 6MB)
- 2020 First Quarter Pillar 3 Report (PDF, 229KB)
2019
- 2019 Full Year Pillar 3 Report (PDF, 907KB)
- 2019 Third Quarter Pillar 3 Report (PDF, 1MB)
- 2019 Half Year Pillar 3 Report (PDF, 1MB)
- 2019 First Quarter Pillar 3 Report (PDF, 1MB)
2018
- 2018 Full Year Pillar 3 Report (PDF, 3MB)
- 2018 Third Quarter Pillar 3 Report (PDF, 1001KB)
- 2018 Half Year Pillar 3 Report (PDF, 871KB)
- 2018 First Quarter Pillar 3 Report (PDF, 651KB)
2017
- 2017 Full Year Pillar 3 Report (PDF, 3MB)
- 2017 Third Quarter Pillar 3 Report (PDF, 6MB)
- 2017 Half Year Pillar 3 Report (PDF, 7MB)
- 2017 First Quarter Pillar 3 Report (PDF, 972KB)
2016
- 2016 Full Year Pillar 3 Report (PDF, 1MB)
- 2016 Third Quarter Pillar 3 Report (PDF, 578KB)
- 2016 Half Year Pillar 3 Report (PDF, 1MB)
- 2016 First Quarter Pillar 3 Report (PDF, 736KB)
2015
- 2015 Full Year Pillar 3 Report (PDF, 1MB)
- 2015 Third Quarter Pillar 3 Report (PDF, 957KB)
- 2015 Half Year Pillar 3 Report (PDF, 1MB)
- 2015 First Quarter Pillar 3 Report (PDF, 1MB)
2014
- 2014 Full Year Pillar 3 Report (PDF, 2MB)
- 2014 Third Quarter Pillar 3 Report (PDF, 602KB)
- 2014 Half Year Pillar 3 Report (PDF, 903KB)
- 2014 First Quarter Pillar 3 Report (PDF, 571KB)
2013
- 2013 Full Year Pillar 3 Report (PDF, 4MB)
- 2013 Third Quarter Risk and Capital Report (PDF, 1MB)
- 2013 Half Year Risk and Capital Report (PDF, 4MB)
- 2013 First Quarter Risk and Capital Report (PDF, 718KB)
2012
- 2012 Full Year Risk and Capital Report (PDF, 1MB)
- 2012 Third Quarter Risk and Capital Report (PDF, 696KB)
- 2012 Half Year Risk and Capital Report (PDF, 966KB)
- 2012 First Quarter Risk and Capital Report (PDF, 555KB)
2011
- 2011 Full Year Risk and Capital Report (PDF, 1MB)
- 2011 Third Quarter Risk and Capital Report (PDF, 510KB)
- 2011 Half Year Risk and Capital Report (PDF, 756KB)
- 2011 First Quarter Risk and Capital Report (PDF, 393KB)
2010
- 2010 Full Year Risk and Capital Report (PDF, 1MB)
- 2010 Third Quarter Risk and Capital Report (PDF, 940KB)
- 2010 Half Year Risk and Capital Report (PDF, 824KB)
- 2010 First Quarter Risk and Capital Report (PDF, 1MB)
2009
Disclosure of G-SIB indicators
Under the international framework for addressing the risks posed by global systemically important banks (G-SIBs), the Basel Committee on Banking Supervision uses indicators to identify those banks that are systemically important on a global scale. Disclosure of the indicators is made in accordance with APRA Prudential Standard APS 330 Public Disclosure.
G-SIB indicators are included in the full year Pillar 3 report, commencing from 30 September 2024 indicators in the 2025 Full Year Pillar 3 Report. G-SIB indicators prior to 30 September 2024 were a separate disclosure.
2023
2022
2021
2020
2019
2018
2017
2016
2015
Remuneration disclosures
The Remuneration Disclosure provides an overview of the Group’s remuneration framework, policies, practices and governance arrangements. The disclosure addresses the requirements of APRA Prudential Standard CPS 511 Remuneration. Quantitative information in the disclosure is provided separately in comma-separated values (CSV) format from 2025 onwards.
The London Branch Annual Remuneration Disclosures provide qualitative information on the remuneration frameworks and policies of the Group and NAB’s London Branch, including how risk management is incorporated into remuneration practices. The disclosure addresses the requirements of the United Kingdom’s Prudential Regulation Authority Rulebook, Disclosure (CRR) Part, pursuant to Article 450 of the United Kingdom Capital Requirements Regulation.
Thursday 5 February 2026
Prior to 2025, remuneration disclosures were prepared in accordance with APRA Prudential Standard APS 330 Public Disclosure and the United Kingdom’s Prudential Regulation Authority Rulebook.
2024
2023
2022
2021
2020
2019
2018
- The 2018 remuneration disclosures are included in our 2018 Full Year Pillar 3 Report (PDF, 3MB)
2017
2016
2015
2014
2013
Important information
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