Andrew Irvine
speaker
559 appearances
4 recordings
1 series
first heard Dec 2024
last heard May 2025
Andrew Irvine’s voice in public audio — every appearance, attributed to the second.
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Appearances
Do that same uh exercise when you look at the US and you look at the top fifty companies in the US and ask yourself how many of those uh were around fifty years ago, and you would get a vastly different answer.
Yeah, absolutely.
So
And that's testament to uh
You know, drivers of economic activity and creating uh national wealth and productivity.
we're uh
We're a mirror of our customers.
Uh we do well when our customers are doing well and I think we do less well when it's tougher for them.
Um because ultimately that's what our portfolio is.
You know, our the credits, the assets, uh the loans we write are to our customers and the deposits we hold are uh money and savings from our customers.
So uh we are uh in that way a real good proxy for
for how the national economy is doing.
This year's been harder for Australians and for Australian businesses and therefore it's right that it was been harder for us as well.
Uh it is tough out there.
Um
Uh we've also seen uh uh margin pressure, particularly in our retail business and home lending.
Uh large amounts of home lending now in Australia is done through the broker channel.
Uh you know, there's economic uh involved in that because obviously brokers participate in the economics of mortgage that they help originate, uh, and that's making it harder for
For banks like us to get an appropriate return for our shareholders.
It's good that at NAB we're a business bank at heart, and eighty percent actually of our cash earnings are outside of Australian retail.
Showing 481–500 of 559 · page 25 of 28
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