NAB Reaches Record High in Business Lending for June

National Australia Bank (NAB) recorded its highest-ever monthly figure for business lending in June as it moves to strengthen its position in a competitive market. The bank issued $4.5 billion in new loans, focusing heavily on small and medium-sized businesses, particularly within agriculture and construction. Maintaining this pace, however, could challenge NAB’s resources and test its long-term strategy.

After a slow start to the year, NAB has worked to regain lost market share in a tightening business lending environment. Lending volumes rebounded in May, then hit new highs in June due to targeted support in key sectors. This surge comes under the guidance of NAB’s new business banking chief, who began in mid-June.

Data from the Australian Prudential Regulation Authority shows NAB issued about $225 million in loans each working day during June. This marked the bank’s strongest monthly result to date. By the end of June, NAB’s business lending market share rose to 21.7%, up from 21.3% in January and its highest level in a year. However, NAB has surrendered some ground over the past 12 months to competitors such as Commonwealth Bank and Westpac, both of which are aggressively expanding their business lending divisions.

There are indications that NAB’s strategy, which emphasizes strong customer relationships and more efficient banking processes, is starting to gain traction, especially with small and mid-sized clients. A wider deployment of digital lending tools is also expected to improve speed and decision-making across loan applications. That said, ongoing leadership changes and investor concerns mean NAB still needs to show its model can deliver results.

The bank is scheduled to deliver a third-quarter update in August. Analysts are forecasting a 4% decline in quarterly cash profits and are closely monitoring a rise in non-performing loans. Despite this, most do not expect credit quality to deteriorate significantly and see NAB as well-positioned within a sector expected to drive long-term growth.

Source: Australian Financial Review, National Australia Bank - 2025 Half Year Results Investor Presentation, National Australia Bank - Business interest rates, fees and charges

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