According to the most recent surveys, business conditions and household sentiment are solid, and on an upwards trend.

Overall consumer anxiety eases a little more in Q4, but our spending behaviours are still yet to respond.

The impact of the win in the U.S. Presidential election by Mr Trump is at this stage highly uncertain

Business confidence has proven to be relatively resilient this year, but did moderate in October – falling 2 points to +4 index points (below the long-run average of +6).

Australian housing market sentiment improved in the third quarter of 2016, supported by more positive expectations for house price growth.

Innovation in independent schools led by doing things differently and cost efficiently.

The NAB SME Survey is the leading business survey of small businesses in Australia, and complements the comprehensive Quarterly NAB Business Survey.

The quarterly iteration of the NAB Business Survey provides additional valuable insight into Australian business than the regular NAB Monthly Business Survey. This publication offers a more in-depth probe into the conditions facing Australian business.

The outlook for the labour market is key. While we continue to expect the unemployment rate to remain in its recent range between 5½% and 5¾%, the recent softening in trend employment growth bears close watching.

The NAB Monthly Business Survey still suggest solid levels of activity in the non-mining economy, but points to relatively patchy conditions at the industry level.

Consumer anxiety eases as concerns over jobs, the cost of living and government policy continue to moderate.

The results from this month’s survey remain broadly consistent with our prior view of the economy and the near-term outlook. It points to a patchy, but sustained, improvement in the non-mining economy, with the major services sectors and construction leading the way.

Australia’s wellbeing has fallen across all measures – life satisfaction, life worth, happiness and anxiety.

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