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NATIONAL AUSTRALIA BANK LTD

42.130

-0.010-0.02%

Volume:3.20M

Turnover:134.79M

Market Cap:129.11B

PE:19.16

High:42.290

Open:42.200

Low:41.820

Close:42.140

52wk High:44.361

52wk Low:29.808

Shares:3.06B

Float Shares:3.05B

Volume Ratio:0.62

T/O Rate:0.10%

Dividend:1.70

Dividend Rate:4.04%

EPS(TTM):2.199

EPS(LYR):2.210

ROE:10.85%

ROA:0.62%

PB:2.05

PE(LYR):19.07

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Overview Company News Filings

Nab - Payroll Remediation Program Costs of Approximately a$130 Million in FY25

THOMSON REUTERS

Nab - NOW Expect FY25 Operating Expense Growth of Approximately 4.5%

THOMSON REUTERS

Nab - During Qtr, Net Interest Margin (Nim) Increased 8 Basis Points

THOMSON REUTERS

Nab - Qtrly Unaudited Cash Earnings a$1.77 Bln

THOMSON REUTERS

Nab - as at Qtr-End, Group Cet1 Ratio 12.14%

THOMSON REUTERS

NAB Hosts Data & AI Month to Drive Innovation and Customer-Centric Solutions

BUZZ-Australia's CBA struggles against lofty valuations, extends decline to third day

Shares of Big Four Banks Rise After ACCC Proposes Allowing Industry Coordination to Migrate Card Payments System to New Encryption Standard

MT Newswires Live

Greater Western Sydney Leads Economic Surge: NAB Report Highlights Transformation and Growth

News Corp, AFLW Launch wX Newspaper Across Major Australian Cities

MT Newswires Live

Shares of National Australia Bank Rise Despite Nearly AU$16 Million Civil Penalty

MT Newswires Live

Australia's Asic - Nab and Unit Penalised a$15.5 Mln for Failing Customers Facing Financial Hardship

THOMSON REUTERS

BRIEF-NAB Acknowledges Civil Penalty

Nab - in Resolving Proceedings Nab and Advantedge Admitted to Breaches of Nccpa

THOMSON REUTERS

Nab - Nab Acknowledges a$15.5M Civil Penalty Ordered Today by Federal Court

THOMSON REUTERS

BRIEF-NAB Will Reduce Standard Variable Home Loan Interest Rate By 0.25% PA

Aussie "Big Four" Banks Cut Home Loan Rates Following RBA Move

Australian Shares Rise; Star Entertainment Group to Sell Brisbane, Gold Coast Stakes in JV Deal

MT Newswires Live

Nab - Will Reduce Standard Variable Home Loan Interest Rate by 0.25% P.a., Effective From 25 August

THOMSON REUTERS

Australia's Business Confidence Rises in July, Business Confidence Falls, NAB Says

MT Newswires Live

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as at Qtr-End, Group Cet1 Ratio 12.14%","url":"https://stock-news.laohu8.com/highlight/detail?id=2560106920","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2560106920?lang=en_us&edition=fundamental","pubTime":"2025-08-18 06:00","pubTimestamp":1755468027,"startTime":"0","endTime":"0","summary":null,"market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250817:nFWN3U70SZ:2","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK7135","BK7511","NAB.AU"],"gpt_icon":0},{"id":"2559999554","title":"NAB Hosts Data & AI Month to Drive Innovation and Customer-Centric Solutions","url":"https://stock-news.laohu8.com/highlight/detail?id=2559999554","media":"Reuters","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559999554?lang=en_us&edition=fundamental","pubTime":"2025-08-15 11:26","pubTimestamp":1755228368,"startTime":"0","endTime":"0","summary":"Disclaimer: This news brief was created by Public Technologies  using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. NAB - National Australia Bank Ltd. published the original content used to generate this news brief on August 15, 2025, and is solely responsible for the information contained therein.","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250815:nNDL5BHhyY:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK7511","BK7135","NAB.AU"],"gpt_icon":0},{"id":"2559468995","title":"BUZZ-Australia's CBA struggles against lofty valuations, extends decline to third day","url":"https://stock-news.laohu8.com/highlight/detail?id=2559468995","media":"Reuters","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559468995?lang=en_us&edition=fundamental","pubTime":"2025-08-15 09:46","pubTimestamp":1755222377,"startTime":"0","endTime":"0","summary":"BUZZ-Australia's CBA struggles against lofty valuations, extends decline to third day** Shares of Commonwealth Bank of Australia CBA.AX fall 0.3% to A$166.75, their lowest since May 13** CBA, Australi","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250815:nL4N3U702Y:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"-1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK7511","WBC.AU","ANZ.AU","AN3PL.AU","NAB.AU","BK7135","CBA.AU"],"gpt_icon":0},{"id":"2559993964","title":"Shares of Big Four Banks Rise After ACCC Proposes Allowing Industry Coordination to Migrate Card Payments System to New Encryption Standard","url":"https://stock-news.laohu8.com/highlight/detail?id=2559993964","media":"MT Newswires Live","labels":["policyRegulatory"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559993964?lang=en_us&edition=fundamental","pubTime":"2025-08-15 08:55","pubTimestamp":1755219324,"startTime":"0","endTime":"0","summary":"Shares of Australia's big four banks advanced in early trading on Friday after the Australian Competition and Consumer Commission  on Thursday issued a draft determination proposing to allow the Australian Payments Network as well as current and future members of the Issuers and Acquirers Community to make agreements regarding the migration of the Australian card payments system to a more secure advanced encryption standard.The card payment system currently uses the triple data encryption standard. The advanced encryption standard is generally considered to be a faster, more efficient, and more secure encryption standard, per the regulator's statement.The competition watchdog also proposed to allow the sharing of information to monitor progress, report issues, and develop solutions to issues related to these agreements.The ACCC proposed to grant authorization for eight years, and it sought submissions in response to the draft determination by Aug. 29 before making its final decision.Sh","market":"sg","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.mtnewswires.com/","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"policyRegulatory","news_rank":0,"length":0,"strategy_id":0,"source":"mtnewswires_news","symbols":["CBA.AU","BK7511","SMP","ANZ.AU","WBC.AU","XJO.AU","XKO.AU","XAO.AU","BK7135","NAB.AU","BK4124"],"gpt_icon":0},{"id":"2559998890","title":"Greater Western Sydney Leads Economic Surge: NAB Report Highlights Transformation and Growth","url":"https://stock-news.laohu8.com/highlight/detail?id=2559998890","media":"Reuters","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559998890?lang=en_us&edition=fundamental","pubTime":"2025-08-15 07:48","pubTimestamp":1755215309,"startTime":"0","endTime":"0","summary":"National Australia Bank Ltd.  has released its Greater Western Sydney Horizon's Report: Spirit of Growth, highlighting the region's economic transformation. The report showcases Greater Western Sydney as a burgeoning economic powerhouse, outpacing state averages in business investment, infrastructure development, and community satisfaction. Business lending in the region grew by 9.2% year-on-year to May 2025, surpassing New South Wales' 7.0% growth. Residential property values also rose, with Fairfield leading at a 14.6% increase. Major infrastructure projects, such as the upcoming Western Sydney International Airport and Bradfield City Centre, are set to boost the region's economy further. Sydney Metro West and the completed WestConnex are enhancing connectivity, while the Parramatta Light Rail has received significant funding. NAB's Julie Rynski emphasized the region's undeniable momentum, with historic investment levels fueling new business districts and opportunities. Dean Pearson ","market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250814:nNDL7Z37M4:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK7511","NAB.AU","BK7135"],"gpt_icon":0},{"id":"2559350249","title":"News Corp, AFLW Launch wX Newspaper Across Major Australian Cities","url":"https://stock-news.laohu8.com/highlight/detail?id=2559350249","media":"MT Newswires Live","labels":["corporation"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559350249?lang=en_us&edition=fundamental","pubTime":"2025-08-14 11:31","pubTimestamp":1755142318,"startTime":"0","endTime":"0","summary":"News Corp's  unit, News Australia, teamed up with the National Australia Bank-backed  Australian Football League Women's  to launch wX, a rebranding of the mX newspaper, News Australia said in a statement Thursday.Over 60,000 copies of wX will be available across Sydney, Melbourne, Brisbane, Adelaide, and Perth to show behind-the-scenes moments during AFLW games, among others, per the statement.The wX initiative is a collaboration among News Australia, the AFLW, and the agencies Drum and PHD.News Corp's shares were up almost 2% in recent Thursday trade, while National Australia Bank's shares jumped 3%.","market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.mtnewswires.com/","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"corporation","news_rank":0,"length":0,"strategy_id":0,"source":"mtnewswires_news","symbols":["XAO.AU","XJO.AU","NAB.AU","XKO.AU","BK7038","BK7135","BK7511","NWS.AU"],"gpt_icon":0},{"id":"2559980056","title":"Shares of National Australia Bank Rise Despite Nearly AU$16 Million Civil Penalty","url":"https://stock-news.laohu8.com/highlight/detail?id=2559980056","media":"MT Newswires Live","labels":["policyRegulatory"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559980056?lang=en_us&edition=fundamental","pubTime":"2025-08-14 08:47","pubTimestamp":1755132425,"startTime":"0","endTime":"0","summary":"Shares of National Australia Bank  rose Thursday after it said in a late Wednesday Australian bourse filing that it had been ordered to pay a AU$15.5 million civil penalty over admitted breaches of the National Consumer Credit Protection Act.The company's shares rose around 2% in recent trade.The federal court issued the penalty following proceedings initiated by the Australian Securities and Investments Commission against NAB and its subsidiary, AFSH Nominees, the filing said.The case concerned NAB and its unit's failure to issue timely written responses to 345 customer hardship notices lodged between October 2018 and September 2023 in breach of their legal obligations, the filing added.","market":"sh","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.mtnewswires.com/","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"policyRegulatory","news_rank":0,"length":0,"strategy_id":0,"source":"mtnewswires_news","symbols":["NHLD","BK7511","XJO.AU","XAO.AU","XKO.AU","NAB.AU","BK7135"],"gpt_icon":0},{"id":"2559379608","title":"Australia's Asic - Nab and Unit Penalised a$15.5 Mln for Failing Customers Facing Financial Hardship","url":"https://stock-news.laohu8.com/highlight/detail?id=2559379608","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559379608?lang=en_us&edition=fundamental","pubTime":"2025-08-13 16:43","pubTimestamp":1755074624,"startTime":"0","endTime":"0","summary":null,"market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250813:nFWN3U509H:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK7511","NAB.AU","BK7135"],"gpt_icon":0},{"id":"2559672323","title":"BRIEF-NAB Acknowledges Civil Penalty","url":"https://stock-news.laohu8.com/highlight/detail?id=2559672323","media":"Reuters","labels":["policyRegulatory"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559672323?lang=en_us&edition=fundamental","pubTime":"2025-08-13 14:54","pubTimestamp":1755068090,"startTime":"0","endTime":"0","summary":"BRIEF-NAB Acknowledges Civil PenaltyAug 13  - National Australia Bank Ltd NAB.AX:NAB ACKNOWLEDGES CIVIL PENALTY-NAB.AXNAB ACKNOWLEDGES A$15.5M CIVIL PENALTY ORDERED TODAY BY FEDERAL COURTIN RESOLVING PROCEEDINGS NAB AND ADVANTEDGE ADMITTED TO BREACHES OF NCCPAFurther company coverage: NAB.AX ","market":"nz","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250813:nFWN3U503P:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"-1","news_top_title":null,"news_tag":"policyRegulatory","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["NAB.AU","BK7511","BK7135"],"gpt_icon":0},{"id":"2559871672","title":"Nab - in Resolving Proceedings Nab and Advantedge Admitted to Breaches of Nccpa","url":"https://stock-news.laohu8.com/highlight/detail?id=2559871672","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559871672?lang=en_us&edition=fundamental","pubTime":"2025-08-13 14:50","pubTimestamp":1755067856,"startTime":"0","endTime":"0","summary":null,"market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250813:nFWN3U503P:3","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK7135","BK7511","NAB.AU"],"gpt_icon":0},{"id":"2559467287","title":"Nab - Nab Acknowledges a$15.5M Civil Penalty Ordered Today by Federal Court","url":"https://stock-news.laohu8.com/highlight/detail?id=2559467287","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2559467287?lang=en_us&edition=fundamental","pubTime":"2025-08-13 14:50","pubTimestamp":1755067856,"startTime":"0","endTime":"0","summary":null,"market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250813:nFWN3U503P:2","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK7511","BK7135","NAB.AU"],"gpt_icon":0},{"id":"2558646853","title":"BRIEF-NAB Will Reduce Standard Variable Home Loan Interest Rate By 0.25% PA","url":"https://stock-news.laohu8.com/highlight/detail?id=2558646853","media":"Reuters","labels":["policyRegulatory"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2558646853?lang=en_us&edition=fundamental","pubTime":"2025-08-12 18:20","pubTimestamp":1754994018,"startTime":"0","endTime":"0","summary":"BRIEF-NAB Will Reduce Standard Variable Home Loan Interest Rate By 0.25% PAAug 12 (Reuters) - National Australia Bank Ltd NAB.AX:WILL REDUCE STANDARD VARIABLE HOME LOAN INTEREST RATE BY 0.25% P.A., EFFECTIVE FROM 25 AUGUSTFurther company coverage: NAB.AX ((Reuters.Briefs@thomsonreuters.com;))","market":"fut","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250812:nFWN3U400Z:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"policyRegulatory","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["BK7511","NAB.AU","BK7135"],"gpt_icon":0},{"id":"2558615029","title":"Aussie \"Big Four\" Banks Cut Home Loan Rates Following RBA Move","url":"https://stock-news.laohu8.com/highlight/detail?id=2558615029","media":"Reuters","labels":["policyRegulatory"],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2558615029?lang=en_us&edition=fundamental","pubTime":"2025-08-12 17:00","pubTimestamp":1754989222,"startTime":"0","endTime":"0","summary":"Aug 12 (Reuters) - $COMMONWEALTH BANK OF AUSTRALIA(CBA.AU)$ , the country's largest lender, and $National Australia Bank(NAB.AU)$ NAB.AX, the second-biggest, cut their standard variable home loan...","market":null,"thumbnail":"","type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":"","theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250812:nL4N3U40CJ:1","is_publish_highlight":true,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"policyRegulatory","news_rank":0,"length":0,"strategy_id":0,"source":null,"symbols":["WBC.AU","NAB.AU","BK7511","ANZ.AU","CBA.AU","BK7135"],"gpt_icon":0},{"id":"2558626619","title":"Australian Shares Rise; Star Entertainment Group to Sell Brisbane, Gold Coast Stakes in JV Deal","url":"https://stock-news.laohu8.com/highlight/detail?id=2558626619","media":"MT Newswires Live","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2558626619?lang=en_us&edition=fundamental","pubTime":"2025-08-12 14:37","pubTimestamp":1754980669,"startTime":"0","endTime":"0","summary":"Australian shares rose on Tuesday's close, after the Reserve Bank of Australia lowered the cash rate by 25 basis points to 3.6%.The S&P/ASX 200 Index rose 0.4% or 36 points to close at 8,880.8, reachi","market":"hk","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://www.mtnewswires.com/","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"1","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"mtnewswires_news","symbols":["BK7078","BK4585","XJO.AU","XKO.AU","NAB.AU","SGH.AU","360.AU","BK7031","SGR.AU","1OZmain","BK7120","XAO.AU","BK7016","BK7511","BK4588","DBC","BK7135"],"gpt_icon":0},{"id":"2558619884","title":"Nab - Will Reduce Standard Variable Home Loan Interest Rate by 0.25% P.a., Effective From 25 August","url":"https://stock-news.laohu8.com/highlight/detail?id=2558619884","media":"THOMSON REUTERS","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2558619884?lang=en_us&edition=fundamental","pubTime":"2025-08-12 14:22","pubTimestamp":1754979770,"startTime":"0","endTime":"0","summary":null,"market":"us","thumbnail":null,"type":0,"news_type":0,"thumbnails":[],"rights":null,"property":[],"language":"en","translate_title":"","themeId":null,"theme_name":"","theme_type":"","isJumpTheme":false,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250812:nFWN3U400Z:1","is_publish_highlight":false,"source_rank":0,"column":"","sentiment":"0","news_top_title":null,"news_tag":"","news_rank":0,"length":0,"strategy_id":0,"source":"reuters_en_live","symbols":["BK7511","BK7135","NAB.AU"],"gpt_icon":0},{"id":"2558561624","title":"Australia's Business Confidence Rises in July, Business Confidence Falls, NAB Says","url":"https://stock-news.laohu8.com/highlight/detail?id=2558561624","media":"MT Newswires Live","labels":[],"top":-1,"itemType":null,"share":"https://ttm.financial/m/news/2558561624?lang=en_us&edition=fundamental","pubTime":"2025-08-12 14:16","pubTimestamp":1754979361,"startTime":"0","endTime":"0","summary":"The NAB business confidence index ticked up 2 points to 7 index points in July, with confidence strongest in construction, as well as the service sectors, and weakest in retail and wholesale, in trend terms, according to a survey by the National Australia Bank  published Tuesday.The NAB business conditions index fell 2 points to 5 index points in July, driven by a softening in trading, profitability, and employment, per the report.By industry, a rise in conditions in retail, construction, and wholesale was offset by declines across the other industries, led by a fall in transport & utilities. In trend terms, conditions were strongest in mining and the services sectors, but remained weak in retail, wholesale, and manufacturing, the report said.Capacity utilisation eased back to 82.4% but remains above the long-run average of 81.3%. Forward orders were unchanged at 0 index points.Purchase cost growth edged up to 1.4% in quarterly equivalent terms while labour cost growth rose to 2.1%. 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