How we engage with stakeholders | Polices and reporting - NAB

How we work with stakeholders

Major themes

We value the opportunity to hear about the issues most relevant to our stakeholders. This feedback helps us address the sustainability topics that matter most.

Environmental issues

We continue to work with government, advocacy, industry and investor stakeholders on environmental issues, including climate change, natural disasters and biodiversity.

Human rights

We consult a range of stakeholders on human rights issues including the human impacts of modern slavery and other human rights abuse risks and provide grievance processes to address concerns.

Consumer issues

We embrace inclusive banking practices and responsible sales and offer hardship assistance to make banking easier and more accessible for our customers.

Why stakeholder management matters

Communication and understanding are key to a business like ours with so many diverse external stakeholders. By continually engaging with our wide range of stakeholders, we can understand what’s expected of us, identify issues, and discover opportunities.

Our approach

Our approach to stakeholder engagement is outlined in our Sustainability Policy (PDF, 286KB). We aim to be respectful, responsive, open and authentic in our engagement on issues of mutual importance.

Key stakeholders include:

  • Customers
  • Our colleagues and contractors
  • Investors (shareholders, fund managers and superannuation funds)
  • Analysts
  • Industry bodies, associations, regulators and government
  • Suppliers
  • The broader community, including non-government organisations and our community partners
  • Media

Defining material issues

Connecting with our many and varied stakeholders is an important part of our strategy.

Our 2026 Annual Report (PDF, 16MB) details our diverse stakeholder groups, the ways we engage with them and their issues of interest. This includes details on our annual Materiality Process, which helps us identify the important environmental, social and governance (ESG) issues that shape our business and impact our communities.

Through annual assessments, we observe how perceptions of issues change over time. This helps us understand whether our work responding to material issues meets stakeholder expectations. We also use ongoing engagement activities throughout the year to inform our determination of material themes.

Regular engagement

We value constructive feedback and engagement with various stakeholders, including non-governmental organisations (NGOs) and ESG analysts. We consider their feedback and analysis when determining our prioritised material themes. Our most recent engagements are detailed in our 2026 Annual Report (PDF, 16MB).

How we engage stakeholders

StakeholdersEngagement activitiesESG Issues of interest
Customers
Engagement activities
  • Market research, customer satisfaction and experience surveys and focus groups
  • Customer advocacy groups
  • Consumer Forum
  • Engagement with Sustainability team, ELT, Board and Board Committees
ESG Issues of interest
  • Accessibility and affordability of banking, fees and interest
  • Financial hardship and customers experiencing vulnerability
  • Scams and fraud
  • Housing affordability
  • Ethical decision making
  • Role of banks in protecting a strong economy and industry regulation
  • Climate change, including lending and carbon footprint
  • Financial education and literacy
  • Transparency and disclosure
  • Human rights, including grievance mechanisms
Colleagues
Engagement activities
  • Regular colleague engagement surveys
  • Colleague focus groups
  • Intranet articles and social media
  • Whistleblower programs
  • Employee resource groups
ESG Issues of interest
  • Employee engagement and support during crises and organisational change
  • Culture and conduct
  • Corporate citizenship
  • Inclusion and diversity
  • Health, safety and wellbeing
  • Supporting customers experiencing vulnerability
  • Leadership, capability and personal development
  • Climate change and environmental sustainability
  • Impacts of AI
Shareholders (including institutional investors)
Engagement activities
  • Annual General Meeting
  • Investor presentations
  • Analyst briefings
  • Participation in surveys
  • Direct engagement with leadership
  • Direct engagement with Investor Relations and Sustainability teams
ESG Issues of interest
  • Governance, conduct and culture
  • Transparency and disclosure
  • Responsible lending practices
  • Fair customer outcomes
  • Hardship and vulnerability
  • Climate change and sustainable finance
  • Executive remuneration
  • Information security, AI and data ethics
  • Biodiversity and nature impacts
  • Exposure to negative social impacts
  • Natural disaster response
  • Employee engagement and wellbeing
  • Human rights
  • Scams and fraud
Suppliers
Engagement activities
  • Ongoing relationship management
  • Due diligence and annual engagement surveys
  • Industry forums
ESG Issues of interest
  • Responsible and sustainable sourcing
  • Inclusion and diversity
  • Resource efficiency
  • Off-shoring and outsourcing
  • Managing exposure to ESG risks
NGOs and community partners
Engagement activities
  • Research
  • Surveys and interviews
  • Meetings and events
  • Employee volunteering
  • Donations
  • Impact Investing
ESG Issues of interest
  • Biodiversity, natural capital and deforestation
  • Impact investing and green finance
  • Financial resilience
  • Mental health and wellbeing
  • Domestic and family violence
  • Climate change and sustainable landscapes
  • First Nations Australians
  • Natural disaster preparedness and resilience
  • Affordable housing and homelessness
  • Impacts of AI
  • Disability inclusion and accessibility
Government and regulators
Engagement activities
  • Regular meetings and briefings
  • Participation in consultation processes
  • Focus groups
  • Roundtables
ESG Issues of interest
  • Industry regulation
  • Governance, including financial crime
  • Public policy
  • Support to the agricultural sector
  • Information management and security
  • Scams and fraud
  • Infrastructure
  • Open banking
  • Sustainability and impact investment
  • Modern slavery
  • Climate change, energy policy and environmental risk
Media
Engagement activities
  • Media interviews and opportunities
  • Proactive media releases
  • Leadership speaking and panel opportunities
  • Reactive media responses
  • NAB news website
  • Proactive and reactive social media content
ESG Issues of interest
  • Industry regulation
  • Products and services
  • Scams and fraud
  • Culture and conduct
  • Digitisation, data and privacy
  • Regional and rural Australia
  • Governance and remuneration
  • Climate change and transition finance
  • Impacts of AI
  • Economic development and growth
  • Natural disaster response
Advocacy organisations
Engagement activities
  • Regular meetings and briefings
  • Participation in surveys
ESG Issues of interest
  • Human rights and grievance mechanisms
  • Climate change and fossil fuel financing
  • Mining-related infrastructure
  • Supporting customer transition
  • Deforestation and land clearing
  • Advertising placements
  • Animal welfare
  • Industry regulation
  • Nuclear weapons
  • Responsible lending practices
  • Gambling and financial hardship
  • Climate risk disclosure and scenario analysis

Your feedback

We know how important it is to listen and respond to customer and community feedback on issues. We’re focused on maintaining resilient and sustainable business practices, including how we manage our operations, supply chain and financing activities.

To give feedback or raise an issue about our business, contact NAB Resolve, which will lodge the feedback or issue with the appropriate NAB department for investigation as required.

To raise a human rights concern, email grievances@nab.com.au. Guidance on raising a concern in various languages is available on the human rights approach page.

To contact the Sustainability team directly, email sustainability@nab.com.au.

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