Hitting agri sustainability standards needn’t be hard. Beef processor and exporter Greenham is working with producers to make compliance simpler and deliver tangible on-farm benefits that make the ROI worth the effort.
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Industry research and insights for the Agribusiness sector.
Hitting agri sustainability standards needn’t be hard. Beef processor and exporter Greenham is working with producers to make compliance simpler and deliver tangible on-farm benefits that make the ROI worth the effort.
Article
Download the latest NAB Regional and Agribusiness Horizons Report for data-led insights on the state of play in regional and rural Australia.
Insight
NAB and other experts share their insights at our daily information sessions and you’re invited.
Insight
There’s nothing straightforward about catching the finest quality tuna. But Queensland-based 4Seas has mastered the art of planning to chart a path through even the most turbulent waters.
Article
Being able to make decisions around the dining table is just one reason for Simfresh’s success. Strong family bonds, careful planning and an eye for opportunity also play their part.
Article
Faced by a sudden downturn in its customer base, this regional NSW business put its faith in an interstate investment. It hasn’t looked back since.
Article
Advanced Aquarium Technologies’ multimillion-dollar creations offer audiences around the world an incredible experience of underwater life, but the magic all begins in a Sunshine Coast suburb.
Article
Combining quality with customer care has rocketed Endeavour to its position as Australia’s second-largest wool exporter in less than a decade.
Article
Consumers around the world have the smart technologies of a regional NSW company to thank for improving their food and drink experiences.
Article
When life gives you lemons… why not use the opportunity to build up an entire citrus-growing region? Here’s how Moora Group did just that.
Article
Inspired to protect crops, cars and more from Mother Nature’s fury, Netpro’s tailor-made solutions are standing strong in Australia and overseas.
Article
Playing to its less-is-more strengths has been key to winning business for the small wonder that is Australis Crop Protection.
Article
Learning on the job has never looked so good. How Yum Tasmanian built a potato-growing empire from a neglected cattle pasture.
Article
Producing top-quality, bespoke cattle feed is Causeway Beef Nutrition’s be all and end all. And it’s propelled it to top spot in the Top End.
It takes nerve and skill to waterbomb raging bush and forest fires. But for the pilots of Gunnedah-based Kennedy Air, aerial firefighting in Australia and overseas is all in a day’s work.
The NAB Rural Commodities Index in January increased for the third month in a row. The index increased 2.2% month-on-month, and is back around levels seen in May 2023.
Report
For over 50 years, Croker Grain has been a respected name in the grain processing world, and today its products are eaten around the world.
Article
The NAB Rural Commodities Index increased in November after declining for each of the past thirteen months. The index increased 3.5% month on month, retracing its October fall to be slightly above its September level.
Report
NAB senior leaders take a closer look at Australia’s trade and export sector – providing all-important insights into how regional and agribusinesses can best respond to today’s challenges and opportunities.
Podcast
The NAB Rural Commodities Index eased further in October, having now declined for each of the past twelve months. Our index fell by 1.8% mom, leaving it 35.0% below the peak for rural prices in June 2022.
Report
Growth holding up but subdued year ahead
Insight
NAB is proud to recognise the leadership and contribution women provide to their rural communities.
Webinar
The NAB Rural Commodities Index continued to fall in September –the eleventh month in a row it has declined –down by 4.6% mom. The index is now 34% below the peak in rural prices back in June 2022.
Report
Rural businesses are looking for equipment funding solutions that meet their needs in an evolving environment. Article originally published in The Advisor on 20/09/23
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The NAB Rural Commodities Index fell further in August, down by 1.6% mom, with the index declining for ten months in a row.
Report
How NAB’s business finance for green equipment helped the Herrmanns build up both productivity and resilience against climate and commodity risk.
Article
The NAB Rural Commodities Index continued to decline in July – down by 2.1% mom. This was the ninth month in a row to record declines, with the index now 29.6% below the peaks recorded in June 2022.
Report
Very slow growth likely across the states in 2023-24
Insight
The scams are getting smarter, the dangers bigger – listen in as NAB’s Khan Horne discuss the latest cyber crime threats in our R&A Outlook podcast.
Podcast
The NAB Rural Commodities Index fell again in June, down 2.2%, having recorded eight consecutive monthly declines. The index is now 28.1% below June 2022 levels.
Report
The NAB Rural Commodities Index has continued to fall over autumn and into winter, largely reflecting steep declines in cattle and lamb prices.
Report
NAB’s Naomi Stuart and Phin Ziebell discuss recent NAB research and sustainability from a regional and agribusiness perspective in the latest R&A podcast.
Podcast
Download the latest NAB Regional and Agribusiness Horizons Report for data-led insights on the state of play in regional and rural Australia.
Report
Positive business conditions and a rising interest rate environment have fuelled a significant rise in Farm Management Deposits* (FMDs), new NAB data has revealed.
Report
Our economists stayed up all night so they could break down the Federal Budget for Australian businesses. Watch their take.
Webinar
Business owners can look forward to energy bill relief, cash flow support and an extension of the instant asset write-off as part of this year's Federal Budget measures.
Insight
Biosecurity was a big focus for this year's Federal Budget, with agribusinesses also set to benefit from energy bill relief and the instant asset write-off.
Report
Listen to our latest Regional & Agribusiness Outlook podcast episode: Farm management deposits 101 and how they can be utilised as a risk management tool.
Podcast
Population rebounding but growth slowdown looms
Insight
There’s never been a better time for regional professional services firms to take on their city counterparts. From new recruitment models to technological advances and more, here’s how to make the most of the opportunity.
Article
After steep falls in late 2022 and early 2023, Australian agricultural commodity prices were more stable last month.
The growing importance of sustainability as a consumer issue. Are SMEs ready?
Insight
Find out why NAB’s Khan Horne sees good times ahead for our regions – despite ongoing global concerns.
Podcast
Australian agricultural commodity prices have continued to fall in the new year.
Article
Multi-generational farming family take an integrated approach as they grow their business with one eye firmly on the future.
Article
Always looking ahead is helping a regional Victoria builder create a sustainable future in an industry that’s faced many recent tests.
Article
Buying a caravan from Jack Hillis is no ordinary experience. Discover the customer care attitude that’s made his business a growing attraction and boosted visitors to the regional NSW town of Wagga Wagga.
Article
Two decades ago, cattle breeders Wendy and Ben Mayne went back to nature on their NSW stud. It’s been an award-winning decision.
Article
For Irribiz, part of the ICI Industries family, designing sustainable water solutions for growers across Australia is only the start of the journey.
Article
You need certain qualities if a blue-sky-thinking, game-changing project is to become reality. Thankfully, Queensland businessman Alan Stent-Smith and son Warrick have them in spades.
Article
For a business that started from a ute, Southern Cross Industrial Group has come a long way. A big reason for its success is its laser focus on attracting and developing the best talent.
Article
A reactive ownership team prepared to make quick decisions on growth opportunities is creating an agricultural equipment regional powerhouse.
Article
Goolwa PipiCo was born when competition became cooperation. An expanded workforce, improved skillsets, new products and markets, and certified sustainability have been the result.
Article
Honesty, transparency, integrity: that’s the mantra Australian Consolidated Milk brings to its relationship with suppliers and it’s paying off in trust and loyalty.
Article
Whether it’s the wool in its bedding products or the employees who make them, this regional icon is deeply proud of its commitment to keeping things local.
Article
Faced with a major market downturn, an innovative WA manufacturer looked inwards. The result was three core values that underpin its foundation of sustainable growth.
Article
Australian agricultural commodity prices retreated on average last month, with the NAB Rural Commodities Index down 2.6% m/m in November.
Report
NAB senior leaders discuss the 2023 business outlook and where the opportunities will lie.
Insight
On 18th of November we celebrate #NationalAgDay and the many people and businesses in the agricultural value chain who keep this vital and valuable sector going 24/7.
Article
Remote Queensland cattle station invests in a greener future for generations to come with support from NAB Agri Green Loan.
Article
COVID disruptions continue to fade while growth remains strong and labour markets are tight everywhere
Insight
NAB senior leaders, and business leaders share their views on society today and how women are adapting. Watch now.
Webinar
Australian agricultural commodity prices have continued to unwind, posting a second month of lower prices as measured by NAB’s Rural Commodities Index. This comes against a backdrop of continued excellent seasonal conditions, but elevated input costs and rapidly rising interest rates to control global inflation.
Report
A volatile night where earlier price action in Asia was largely reversed.
A broad rise in core global yields has been the big news overnight, fuelled by a better-than-expected US ISM report and news UK PM Truss is planning a huge debt-funded fiscal stimulus.
Eurozone bonds yields and stocks falling on the latest jump in energy prices – both oil and gas – following confirmation the NordSteeam1 gas pipeline will remain shut while Russian sanctions are in place.
A goldilocks payrolls report failed to support risk assets on Friday, with equities and the USD quickly reversing on news that Russia was not restarting gas flows through the Nord Stream pipeline
The bond sell-off shows no signs of abating with a stronger than expected US ISM Manufacturing helping to drive the US 10yr yield up.
August has been a terrible month for balance fund investors with no diversification gains from holding a portfolio of equities and bonds.
Hear from business experts on supply chain issues and opportunities - the impact on regional & agribusinesses, and how businesses are adapting
Insight
Goldman’s noted inflation could hit 22.4% y/y in the UK in early 2023 if gas prices don’t moderate and if there is little in the way of cost of living relief.
This report builds on our existing fortnightly Data Insights series and includes more detail on NAB business customer inflow data across various agricultural industries and states.
Insight
Hard work, determination, experience and a solid business plan weren’t enough to get Nic and Keryn Crompton their own cattle farm… until NAB backed their ambition with a Future Farmers loan.
Article
Confidence & conditions rally as economy strains capacity limits
Insight
Podcast: Livestock solutions 101 - to help take advantage of a strong outlook.
Podcast
NAB’s Future Farmers program is making is easier for younger farmers to buy or lease an agricultural property. Cody Scott is one of the first to benefit.
Article
The last month has brought big changes for Australian agriculture, with global growth concerns hitting many commodity prices, but seasonal conditions still mostly supportive and further signs that input costs are stabilising.
Insight
When it comes to sustainability and eco-innovation, this fifth-generation wine-making family is an Australian success story.
Article
Business confidence falls further while conditions hold up.
Insight
Global Central Banks have been lifting interest rates to combat 40-year high inflation numbers. What does this mean for commercial borrowers? Watch now.
Webinar
Global Central Banks have been lifting interest rates to combat 40-year high inflation numbers. What does this mean for commercial borrowers?
Webinar
Since last month’s wrap, we have seen further gains in most agricultural commodity prices, tentative signs of a stabilisation in fertiliser prices, combined with a lower AUD and a weakening global growth outlook.
Report
In this excerpt from the new NAB Regional & Agribusiness Horizons Report Dean Pearson, Head of Behavioural & Industry Economics at NAB, highlights key differences in attitudes and behaviours among city, regional and rural dwellers – including the finding that rural and regional Australians are happier.
Article
Confidence eases but conditions and outlook remain strong.
Insight
Download NAB’s Regional & Agribusiness Horizons Report for compelling new insights into regional and rural Australia.
Article
The Reserve Bank of Australia (RBA) has started raising rates for the first time since November 2010. What does this mean for commercial borrowers? Watch now.
Webinar
Since last month’s wrap, we have seen three key changes, namely more rain forecast, ongoing inflationary pressures making central banks more hawkish and a materially weaker global economic outlook.
Report
Conditions rise further on Recreation & Personal Services recovery.
Insight
Conditions surge higher as costs, prices hit records.
Insight
Podcast: Farm management deposits 101 and how they can be utilised as a risk management tool.
Podcast
The NAB Rural Commodities Index ticked up another 0.9% on a monthly basis in February - its eleventh consecutive gain to another record high.
Insight
COVID disruptions have continued but State economies have been resilient and labour markets are strong.
Insight
Activity, employment strengthen as prices push higher.
Insight
This NAB Private Wealth webinar delivers insights into Cyber Security and Fraud.
Webinar
Peter Loukas, Property Executive NAB presents his insights on the residential property survey.
Webinar
Optiweigh founder Bill Mitchell developed a machine that improved his own beef production operations. Now cattle farmers are knocking down his door.
Article
As the grains logistics industry changed, forward-thinking Jim Riordan evolved his business to stay ahead.
Article
Twenty-nine years ago, when their first ever tomato crop was destroyed by rain and hail, Warren Nichol and Mark Millis were convinced there must be a better way.
Conditions deteriorate as Omicron peaks.
Insight
As agriculture’s record run continues, what’s ahead for 2022.
Insight
We look at the domestic and global interest rates outlook for 2022 and why interest rate risk management is an important consideration for many businesses.
Webinar
Omicron dampens confidence, price pressures continue.
Insight
Conditions stabilise as reopening progresses
Insight
NAB senior leaders discuss the economy and the opportunities for business in 2022.
Podcast
Call it a treechange, call it a search for opportunity… whatever the reason, many Australians are swapping the city for a rural idyll. Regional Australia Institute CEO Liz Ritchie discusses the implications and opportunities of this migration.
Article
Conditions and confidence rise out of lockdown.
Insight
Cybercriminals are targeting Australian businesses at unprecedented rates, and a strong cyber security program has never been more important.
Webinar
The good news just keeps rolling on for Australian agriculture, with already very good seasonal conditions boosted by the increasing possibility of a La Nina event, combined with ongoing commodity price strength.
Insight
Sustainable practices are driving much of the innovation that’s changing the face of Australian agriculture. Here’s what that evolution looks like in practice.
Article
Hear from NAB and Industry leaders who share their views on women adapting to change in Regional Australia. Watch now.
Webinar
Confidence rebounds on the back of roadmaps, vaccination.
Insight
COVID 19 continues to be the main driver of growth both in the recovery phase and as the Delta variant spreads. With vaccines looking promising 2021 looks like being a bounce back year.
Insight
A rebound in Australia’s cotton industry has seen business cash inflows of NAB Agribusiness cotton grower customers surge since early 2021 on the back of booming production.
Insight
New ways of looking at family farm succession are paying dividends. Here’s how to put them into practice – and why the time to start is now.
Article
Confidence and conditions tick up.
Insight
We look at how the proposed Australia-UK Free Trade Agreement could mean new import and export opportunities. Watch now.
Webinar
NAB Rural Commodities Index hits a record high sitting 12.6% above August 2020 levels.
Insight
Along with its many challenges, climate change is set to deliver forward-thinking farmers a huge opportunity.
Article
Confidence and conditions fall further with ongoing lockdowns.
Insight
Lower currency continues to buoy Australian agriculture.
Insight
A new, younger generation of Australians is choosing life on the land… and that promises to bring exciting, innovative times for Australian agriculture.
Article
Confidence falls on virus fears.
Insight
A new phase of growth emerges across the states following a fast rebound.
Insight
As our agribusiness sector turns its recent run of good fortune into a rush of on-farm investment, a bold production target comes into sight.
Article
Agricultural commodity prices continue to perform generally very well, rounding out a generally strong period for many agricultural producers.
Insight
Bumper winter crop predicted to put Australian agriculture on top.
Article
Business conditions continue to boom.
Insight
Podcast: We discuss how farm management deposits can be utilised as a risk management tool.
Podcast
Beef producers and industry stakeholders from across Australia flock to the triennial event.
Article
Encouraging new ideas, fostering value-adding innovation and celebrating an emerging spirit of entrepreneurship is vital if our agribusiness sector is to hit a $100 billion valuation by 2030.
Article
Business confidence and conditions hit new highs.
Insight
Commodity prices stay strong amid rising Australian Dollar.
Insight
As Australian agriculture exports gets set for record earnings, NAB agri economist Phin Ziebell looks beyond the stellar numbers to examine where future opportunities lie.
Article
Business conditions reach a record high.
Insight
Autumn rain lifts EYCI outlook in the short-term.
Insight
Farmers are faced with a multitude of agtech solutions. Finding the right one is all about knowing to ask the right questions.
Article
Rising commodity prices underpin positive outlook.
Insight
This podcast focuses on the Japanese Yen – what’s been happening over the last 12 months and NAB’s forecast.
Business conditions bounce, confidence rises further.
Insight
Celebrating and recognising the crucial role that women play in Regional Australia.
Article
A new podcast that looks at what strategies agribusiness clients used to manage recent foreign exchange market volatility.
Unleashing the transformative power of agtech could help our farmers meet the $100 billion target government has set the industry – but they’ll need a lot of support.
Article
Business confidence rises, while conditions pull back.
Insight
Australian agriculture set for solid year.
Insight
Business conditions improve to multi-year highs.
Insight
Recovery from COVID-19 continues across Australia
Insight
Generational wealth transfer can be a challenge for any family but on the land the stakes can be even higher. Here, expert advisers reveal why it’s never been more important for agribusiness owners to start planning for the next generation.
Article
Despite new research showing small to medium businesses are struggling to keep pace with digital transformation with the added challenge of COVID, there are ways to get programs back on track.
Article
Further gains as the economy continues to open up
Insight
How high can Australian cattle prices go?
Insight
How building better business sense and developing critical thinking skills are preparing tomorrow’s agriculture workforce to meet new challenges.
Article
2020-21 on track to deliver above average winter crop.
Insight
Pathway to profit: how Australia’s agri operators can boost their bottom line through smart thinking and easily achievable changes.
Article
Market and seasonal conditions strengthen Australian agriculture.
Insight
NAB senior leaders share their views on society today and how women are adapting. Watch now.
Webinar
It’s time for farmers to turn good land management into financial success.
Article
Latest restrictions will hit Victoria’s economy hard, but COVID-19 has impacted all states.
Insight
Demand fundamentals limiting outlook for wool.
Insight
Appreciating AUD takes gloss off positive seasonal outlook.
Insight
How Australian producers can maximise their export opportunities in a COVID world.
Article
Food service spending under pressure amid new restrictions.
Insight
Record cattle prices face risks amid global pandemic.
Insight
Podcast: How well positioned is agri to respond to the latest set of challenges?
Podcast
2020-21 winter crop prospects strong.
Insight
$1.1 billion withdrawal emphasises the importance of FMD’s to the sector
Listen to podcast: How agri businesses can get their finances back on track.
Podcast
Improved seasonal conditions drive a 17-point jump in NAB’s National Agribusiness Conditions Index.
Podcast
Uncovering the business impact of the bushfires through the eyes of over 500 Australian SMEs.
New podcast: Agribusiness a surprising bright spot in COVID-19.
Podcast
No state or territory will be spared from COVID-19 economic fall-out.
Rural commodities continue to climb.
Rural commodities resilient amid COVID-19 crisis.
Risks remain amid rapid rise in cattle prices.
Uncovering the business impact of the bushfires through the eyes of over 500 Australian SMEs.
Good January rainfall across key agricultural production areas drove the NAB Rural Commodities Index 4.6% higher this month, despite the impact of bushfires and coronavirus.
Dairy dynamics: prices, drought and costs impacting dairy landscape.
What does next year hold for Australian business owners? Listen to our podcast for NAB Chief Economist Alan Oster’s 2020 vision on the challenges and opportunities ahead.
Agribusiness conditions flat despite strength of lamb and mutton.
After surviving multiple challenges to their market share in recent years, the nation’s wine producers have bounced back and look set to enjoy vintage times.
High cost of water dries up basin profit margins.
Wheat crop cops sharp downgrade amid tough spring.
The Australian economy grew by 1.4% over the year to the June 2019, its weakest growth since 2009.
Seasonal conditions and declining winter crop forecasts reflect drop in NAB Rural Commodities Index.
Timothy Reeves of the University of Melbourne discusses why there’s a real opportunity to grow a wider range of crops and build a more sustainable Australian agriculture model.
A landmark PPP refinance meets the needs of investors for a low-risk investment as well as the needs of borrowers for longer-dated debt.
Our third Agribusiness Banker Survey brings a somewhat more encouraging headline figure for agribusiness conditions, although conditions in NSW and to a lesser extent Queensland remain challenging. Spring rain is sorely needed to see an improvement.
The looming generational change in agriculture will bring many development opportunities for the sector.
Australia’s agricultural sector generates mountains of waste each year, but new research programs aim to help farmers turn a profit on unwanted produce.
Resilient cattle and lamb prices sustain flat NAB Rural Commodities Index.
How sustainable farming methods are helping Australian farmers maintain the value of their natural assets over the long term.
The NAB Rural Commodities Index rose 0.5% in June.
Horticulture exports grow to rival Australian lamb and dairy.
Cattle markets and southern rain stabilises NAB's Rural Commodities Index
A report by CSIRO, NAB and 20 other organisations, draws on the latest scientific data and states that Australia is at a crossroads and faces a stark choice – strive towards a more positive future of growth and prosperity or suffer a slow decline.
National agribusiness confidence rises despite tough conditions.
We examine the last decade in Australian agricultural exports and what’s projected to come.
Overall, the NAB Rural Commodities Index rose 1.1% in April, largely reflecting higher cattle, lamb, dairy and cotton prices, offsetting further declines in grain.
$1.2 billion drawdown shows that the FMD scheme is working
Harnessing digital technology to drive productivity and profits. How new-generation agtech is changing the face of Australian farming.
Deterioration in conditions in most states, with current momentum negative. Household sector weakness evident, investment still ok (outside mining), while agri. facing easing prices and needs rain. Housing sector downturn, population growth centred on the eastern states, agricultural prices easing.
Overall, the NAB Rural Commodities Index fell 2.7% in March, largely reflecting lower cattle, grain and fruit prices.
NAB launches new measure of agribusiness and regional performance in Australia
Overall, the NAB Rural Commodities Index gained 0.2% in February – “above water” only due to strong gains in fruit and vegetables, dairy and to a lesser extent wool and sugar.
New NAB data reveals key factors for the wellbeing of small business owners.
Overall, the NAB Rural Commodities Index was up 0.5% in December but down 1.1% in January.
Agribusiness Customer Executive Neil Findlay shares some useful examples of how dairy farmers are planning ahead.
Global Dairy Trade auction results have seen some upside since December after a fairly weak run over much of 2018.
The NAB Rural Commodities Index fell 2.0% on a month on month basis in November, mirroring a 2.0% gain in October.
Harvest is now underway for 2018-19 winter crop, a season which will likely go down as one of the most mixed in years.
Technology in agriculture – ‘agtech’ – brings endless innovations to Australian farms. And despite cost challenges, it can improve the bottom line.
Wherever you look, the future is about technology – the way we invest, care for our health and even how we grow our food. We take a look at where technology might take us in 2019.
The NAB Rural Commodities Index rose 1.8% in October, following a 6.5% jump in September.
As harvest gets started, hear from growers and traders across the country on the first NAB Growers’ Podcast.
The NAB Rural Commodities Index rose 6.5% in September, recording the biggest monthly gain since December 2010.
Agricultural prices and production continues to be very region and commodity specific.
When BJ Plummer was handed the reins of acclaimed Tasmanian smoked seafood producer Woodbridge Smokehouse, he was instructed not to ‘mess around’ with the brand. We spoke to Plummer about his strategy, which has seen export revenue grow a whopping 1,300 per cent in just three years.
A commitment to relationships in Japan and Australia, respect for supply chain profitability and a focus on quality has seen Edwards Livestock double exports in less than a decade.
How a nurse and surgeon husband set out to lower the world’s cholesterol levels, one bottle of olive oil at a time.
Rutherglen’s Campbells Wines has lived through the global rise, fall and resurrection of the Australian wine industry. Current head of the winery Colin Campbell discusses how this fifth-generation business structures itself for export success in the 21st century.
NAB customer and former Deputy Prime Minister, John Anderson has joined NAB’s regional listening tour, conducting community consultations across regional Australia, starting with a visit to Gunnedah in the drought-stricken region in northern NSW.
The business conditions index rose by 2pts to +15 index points in August, recovering some of the ground lost in recent months. Business confidence fell 3pts to +4 index points and is now below average.
Our expectation for the Australian economy is that GDP will increase by just under 3.0% in 2018 and 2019.
The nation’s thoughts are with drought-afflicted farmers. As distressing as their current circumstances are, the encouraging news is that underlying economic conditions remain positive and will help them bounce back once the drought breaks.
The business conditions index fell by 2pts to +12 index points in July, continuing its run of declines since April. Business confidence ticked up 1pt to +7 index points, an around average level.
The NAB Rural Commodities Index gained 1.3% month on month in July, following a 1.4% gain in June. On a year on year basis, the index was down 0.3% in July.
Lawyer turned whisky distiller Cameron Syme pioneered the whisky-making industry in Western Australia when he launched his business more than 10 years ago. His goal? To make the best single malt in the whole world.
We’ve listened and we’ve announced three ways we will serve our regional and rural customers better.
With almost one in three Australian agribusinesses banking with NAB, we’re pleased to share our plans for delivering better service for all our regional customers.
When BJ Plummer was handed the reins of acclaimed Tasmanian smoked seafood producer Woodbridge Smokehouse, he was instructed not to ‘mess around’ with the brand. We spoke to Plummer about his strategy, which has seen export revenue grow a whopping 1,300 per cent in just three years.
The NAB Residential Property Index fell sharply in the June quarter 2018, down 17 points to +6 to sit at its lowest level since mid-2016 and well below its long-term average (+14).
The business conditions index ticked up by 1pt to +15 index points in June, after easing in the previous month. The business confidence edged down 1pts to +6 index points, to be around its long-run average level.
The NAB Rural Commodities Index gained 1.4% month on month in June, following a 3.1% gain in May. On a year on year basis, the index was down 2.9% in June. The monthly gain reflects strong lamb, wool and cotton prices.
Thanks to social media, more people are pursuing the job they want, where they want it. Those who prefer country living no longer have to wonder why they’re going to work in the city each day simply to pursue a dream career – as this rural film-maker recently discovered.
In today’s Weekly, we take a closer look at the SA economy that’s shown a distinct improvement in the past year or so.
If you like a schooner of beer, it’s likely you’ve sipped a brew made with hops from Hop Products Australia. Having weathered this boom-bust industry, and as Australia’s largest hops grower today, the team at HPA is passionate about these little cone-like flowers – and about bringing distinct fresh flavour to every glass.
The business conditions index decreased by 6pts to +15 index points, easing back from the historical highs seen in April. The business confidence index fell by 5pts to +6 index points, to be around its long-run average level.
The NAB Rural Commodities Index gained 3.1% month on month in May after falling 2.8% in April. On a year on year basis, the index was down 4.4% in May. The monthly gain reflects strong grain, horticultural, dairy, wool and cotton prices.
Home ownership is a key to wellbeing according to new research from NAB
Do you own a small business that’s selling overseas or importing products and equipment into Australia? Trade finance can help you make the most of opportunities without tying up your valuable working capital.
While many city dwellers see farming as old-fashioned, Kim and David Coulton and family of Morella Agriculture know it’s all about cementing market share by staying on top of the science and technology curve.
Beef Australia is a wrap for another three years. The NAB Agribusiness team had an amazing week, catching up with customers and industry leaders, and learning a lot about where the industry’s heading.
Nationally dwelling values continued their downwards trend last month; the seventh consecutive month on month decline since the national index series peaked in September last year.
Keen to export to Asia? Make sure you understand what’s involved and how best to prepare.
2018 has been exceptionally dry across much of Australia, with knock-on downside to restocker interest and young cattle prices.
Business conditions at record levels.
Heading overseas isn’t the only way to grow your business. Here are five ways to consider pumping up your revenue on home ground.
Setting goals can drive business success – but it doesn’t come naturally to many small business owners. Consultant and author Stephen Barnes shares tips on how to get started, how to set effective goals and how to motivate your staff to reach their targets.
From June 14 to June 25, I’ll be leading NAB’s 2018 Agribusiness Japan Tour. If your business involves cattle farming, sheep farming or horticulture and you’re interested in the connections, insight and strategies being used to succeed in Asian markets, I encourage you to join me.
Agromin Australia is expanding its exports by sticking to what it knows best – pulses for the Indian subcontinent. Owner Rajni Patel explains how the company is cornering a larger and larger share of the market for Australian farmers.
Beef producers are outperforming other industries in adding to Farm Management Deposits (FMDs), with the national balance expected to break another record this financial year.
Hear from Khan Horne, GM Agribusiness, NAB about what he is seeing across the beef sector, what to expect during Beef Australia 2018, and how NAB is supporting the industry generally and on location at Rockhampton – 6-12 May.
Australian dwelling values held firm in March, with the combined capitals continuing a softening trend, recording a 0.2% fall, while regional markets saw a 0.4% rise in values over the month.
The NAB Rural Commodities Index gained 3.0% month on month in March, its second consecutive rise.
Business conditions come off the boil, but still hot.
More Aussies are opening their wallets to charity, says NAB report.
Making wine is a very personal venture for this Barossa Valley-born and bred artisan combining two passions in his small-batch business.
The NAB Residential Property Index rose 3 points to +23 in the March quarter 2018 and remains well above its long-term average (+14).
Brothers Hamish and Gavin dreamed of taking their Aussie backyard turf company big and supplying world-class stadiums. Today they’re internationally recognised suppliers in their field.
The business conditions index moved 3pts higher to +21 index points. This is a record high since the monthly survey commenced in March 1997, although the same measure in NAB’s quarterly survey reached this level in 1994.
Nationally, dwelling values recorded their fifth consecutive monthly decline in February, taking the value of housing 0.8% lower since the market peaked in September last year.
Fourth-generation Australian winemaker Colin has spent 50 years among the vines and says there’s no place on earth he’d rather be.
New research challenges old adage – can money buy happiness?
The NAB Rural Commodities Index gained 1.2% month on month in February, following a drop of 1.8% in January. On a year on year basis, the index was down 2.9% in February. The gain was driven by higher grain, fruit and dairy prices, offsetting falls in beef, lamb and sugar.
The award-winning Arnhem Land Progress Aboriginal Corporation has created jobs in some of Australia’s most isolated communities. CEO Alastair King explains how ALPA is creating the jobs that are key to building successful communities in remote locations.
The grandeur of Australia’s wool industry is visible in the huge old wool stores standing tall all over our cities. Moses & Son’s Martin Moses wants Australian wool to rise again – and says the next generation of sheep farmers has the power to take on the world.
Five years since switching from winemaking to vinegar-making, Ian Henderson has gone from being a one-man start-up to opening a multimillion-dollar world class facility to keep up with international demand.
CoreLogic reported further slippage in dwelling values over the first month of 2018, with national dwelling values recording their second consecutive month on month decline. After dwelling values held firm in October and November, they slipped by a third of a percent in both December and January to be down 0.7% from their peak.
Elevated business conditions & confidence point to a robust business sector in Australia at present.
2018 has seen a fairly mixed start to the year, with significant differences between regions and industries.
With a 60-year domestic and international success story already behind them, it comes as no surprise that family-run Nolan Meats has very definite ideas about how to launch a successful push into the Asia Pacific region.
Sentiment towards Australian housing market positive in Q4, but confidence wanes. NAB’s view for 2018 largely unchanged, but degree of moderation ramped up.
Confidence lifted to narrow the divide with business conditions, indicating a strong business sector in Australia at present.
After two years of dead-end phone calls to Asian supermarkets, Lively Linseed’s Jacqui and Chris Donoghue overcame the challenges to find direct-export success.
Dairy prices have trended downwards overall since mid last year, and although 2018 has brought some relief in USD terms, the higher AUD has eroded these gains.
Fleur Studd and Jason Scheltus saw a gap in the Melbourne coffee market for a quality speciality coffee product that could be traced back to its producers.
Japan is arguably Australia’s most important Asian ally, and its large market of wealthy consumers is a natural target for Australian businesses selling high-quality goods and services. Here are some tips to help you establish successful business relationships.
In 2009, Sheryl Thai had just started a business and was like any other fledgling entrepreneur: hard-working, idealistic, passionate. Yet she felt alone. What she did next became the basis of a movement that’s helped thousands of women across Australia find their business voice: the League of Extraordinary Women.
What will the new year bring in the world of business trends? Whether it’s health or agriculture, hyper local advertising or self-trained artificial intelligence, NAB has one eye on the (crystal) ball.
While there are many things to consider when buying new equipment to make your business more productive, one of the most important is finding the best way to finance the purchase. NAB Agribusiness General Manager Khan Horne is urging customers to carefully consider all available options.
Nationally, dwelling values were unchanged in November 2017 according to the CoreLogic home value index.
Aussies’ wellbeing at its highest since 2013, but high anxiety still impacting one in four
Last month’s surprise spike in business conditions was more than unwound in November, although that was partly expected.
Last month’s surprise spike in business conditions was more than unwound in November, although that was partly expected.
Jim Barry Wines says there’s no need for Aussie agri brands to compete against each other – all have a place in a modern consumer’s diet.
The craft beer industry has exploded in Australia. Four brewers explain what’s driving demand, where the sector is headed and what others entering the industry might consider.
As Australia moves beyond the mining boom, we need to secure new sources of growth to ensure our future prosperity.
The Australian beef cattle industry has enjoyed a great run over the past couple of years, with the Eastern Young Cattle Indicator (EYCI) hitting a record over 720c/kg in September last year.
Hope Estate’s Michael Hope says there’s a new leisure market generated by stressed city folk looking for authentic experiences to enliven the senses – and Hope Estate is taking centre stage.
Moving to a regional town might seem a career-limiting step but for entrepreneurial Australians with an eye for untapped market opportunities the opposite can apply. Business View meets two former city-slickers achieving success in country Australia.
Business conditions hit an all new high in October.
CoreLogic’s national Home Value Index held steady in October, confirming a cooling trend in housing market conditions.
The NAB Rural Commodities Index rose 2.1% in October, its first monthly gain since May.
The NAB Rural Commodities Index rose 2.1% in October, its first monthly gain since May.
Insights into the donating behaviours of Australian consumers
Economic growth in most states is expected to strengthen somewhat in 2017-18 before moderating a little in 2018-19 as dwelling investment and LNG exports peak.
The index tracks 28 commodities weighted by the relative size of each commodity in the Australian agricultural sector.
Australian housing market sentiment lifted over the third quarter of 2017, supported mainly by a large increase in the number of property experts reporting positive rental growth in the quarter and continued house price growth in most states.
It’s not just nutritional benefits and old-fashioned happiness behind the Sunny Queen egg story – the company’s embrace of digital marketing includes giving an egg its very own blog. The strategy is working.
Overall we are expecting that growth rates will continue to moderate across the combined capital cities.
Artisans of Barossa, a collaboration of six winemaker mates, was born following a business growth decision to band together under the one umbrella brand. The result has been a host of benefits for both the individual business owners and their beloved wine region.
Business conditions are strong, but retail is still a significant concern.
Australian agribusinesses are joining forces with universities to harness growing interest in agricultural careers and develop the future industry leadership needed to succeed in the global agricultural marketplace.
In just a few years, Marie Piccone has revived the fortunes of three mango plantations and the once-renowned Manbulloo brand. A careful strategy built on meeting customers’ demands is what got her there.
For the first time since their introduction in 1999, Farm Management Deposits have topped $6 billion. Khan Horne, General Manager of NAB Agribusiness, explains which sectors and states have fuelled this incredible growth, and what the result means for the Australian agricultural sector. Khan Horne, General Manager, NAB Agribusiness
Australia’s next phase of growth must be defined by ideas, creativity and execution. Our future lies in our ability to foster a culture of innovation. But how do we measure innovation across all sizes and types of business?
The latest housing market results showed dwelling values held firm nationally.
Superfoods can mean super profits. But which ones are gaining the attention of Australian farmers?
Seasonal conditions remain a major consideration.
After 10 years in business, Titan Ag is now a formidable strength in holistic agricultural chemical supply, respected for competitive products, relationship building – and now for being grain producers themselves.
Under the pressure of managing day-to-day responsibilities, successful business owners don’t always realise they may also be in a position to build a property portfolio.
When the Australian Government removed price reserve guarantees on wool in 1991, the resulting price collapse meant long-standing beef, lamb and wool producers Julie and Sandy Cameron had to either innovate or accept that their business would perish.
A sharing platform for agricultural equipment could see Aussie farmers spending less on machinery and earning a sideline income hiring out gear which would otherwise sit idle in the shed. Agri View reports.
Get the latest monthly update on housing market conditions around Australia.
Research trials on two Northern Territory mango farms are investigating the potential of high resolution satellite imagery combined with fruit-scanning guns to improve productivity and farm efficiency.
The NAB Rural Commodities Index fell 1.2% in July as generally higher grain prices were offset by weakness across livestock, dairy, cotton and mixed performance in horticulture.
Australian housing market sentiment (measured by NAB’s Residential Property Index) fell noticeably in the June quarter after climbing to a 3-year high in March.
Fifteen years ago, two separate groups of enthusiastic investors and abalone farmers set out to secure a footing on the global stage. It wasn’t until they joined forces in 2008 that everything changed and the farms, within the space of nine years, went from individual 70-tonne entities to being the biggest producer of abalone in the southern hemisphere.
Get the latest monthly update on housing market conditions around Australia.
Australians reported a further improvement in the quality of their lives in the March quarter.
The NAB Rural Commodities Index is an index of 28 agricultural commodities weighted by the relative size of each commodity in the Australian agricultural sector.
The autumn break this year was rather mixed, with some areas receiving good rain and others missing out.
How is biogas powering a cleaner future for farming?
A new partnership between Monash University’s Food Innovation Centre and China’s largest food processing organisation, COFCO, is aimed at helping Australians better understand the Chinese retail environment.
Fifty years ago Australia’s main export market was the United Kingdom, shipping wool and wheat. Today over 83% of all Australian exports are going to Asian countries. Nuts and grains – specifically, nuts - are climbing the ranks of top exports.
Many farmers take control of their supply chain but few market the benefits to customers as successfully as Australian Grain Link. Over the past 16 years this strategy has helped them carve out lucrative specialty niches that show no signs of shrinking.
Robots as a Service could provide the benefits of robotics without the upfront costs. Technology futurist Shara Evans discusses the potential for increasing production and reducing costs.
Get the latest monthly update on housing market conditions around Australia.
Business conditions remain elevated, but confidence pulled-back from multi-year highs.
This is the second month of NAB’s new regional price indicators, in effect a separate NAB Rural Commodities Index for every region in Australia.
Third generation dairy farmer Tim Marwood was looking for a way to go from “price taker” to “price maker” when he saw an opportunity – premium artisanal ice cream.
Australia has the talent and the willing investors, so what’s holding our agtech sector back? SproutX General Manager Sam Trethewey discusses a new accelerator program and national co-working space network that could put us on a par with the world’s great innovators.
Now in its 6th year, the index highlights trends in giving and helps inform charities’ fundraising strategies.
Get the latest monthly update on housing market conditions around Australia.
Remember the Chinese gooseberry? Not so much. Not until it turned into the kiwifruit and began turning up in fruit salads everywhere. Meet the man introducing ancient Australian bush tucker to global foodies as ‘lime caviar’.
This month NAB Economics introduces new regional price indicators, in effect a separate NAB Rural Commodities Index for every region in Australia.
Australians remain highly anxious. While having more money might solve some of our concerns, it would do little to solve some of the biggest detractors of wellbeing. But, it could help close the “wellbeing gap” between high and low income earners.
New healthy food trends favouring scratch baking and organic and raw produce have created a resurgence of interest in traditional pantry staples, and ingredients brand McKenzie’s is keen to spur on the excitement.
A once-neglected lavender farm, Bridestowe Estate is today a global tourist destination, celebrated for the romance and colour of its 200 kilometres of blossoming lavender rows.
Head of Asia Business Development, NAB Business & Private Bank, Laura Mattiazzi recently hosted a roundtable discussion at the Global Food Forum addressing the challenges and opportunities facing cropping industries - and how Australian businesses can compete globally.
The NAB Rural Commodities Index is an index of 28 agricultural commodities weighted by the relative size of each commodity in the Australian agricultural sector.
With Australia’s former mining boom on the decline, employees are looking elsewhere for opportunities.
This May 13-23, I will be leading NAB’s Agribusiness China Tour 2017. If your business involves cattle, sheep or wool, I encourage you to consider joining me.
Researchers are seeking help from farmers around Australia to test and advise on a new online resource designed specifically to help farmers better cope with the challenges of their occupation.
For Matt, beer is liquid gold that will always go some way to curing what ails you. However, it’s the social aspects behind it that he believes is the real cure.
It’s one of those stories you read about and wonder if it’s true – how a business started out with a small offering and grew into an industry leader.
Smart phones and GoPro cameras are on trial in Australian vineyards to help grape growers and wine producers better predict the season’s grape yield – information that could reap major savings for the industry.
Growth will remain solid across the large south-eastern states, while there are signs of stabilisation in mining states as the end of the downswing in resource-related investment approaches.
Summer has brought extremely volatile conditions to Australia’s cropping districts. While much of eastern Australia has baked in an extraordinary heatwave, Western Australia has suffered substantial flooding.
For the 2016-17 season, we developed a new wheat production forecast model, based on regional rainfall and state yields going back to federation, with an allowance for technological change.
Cape Grim has carved a definitive space in the premium beef market, offering a grass-fed, mature protein raised in an environment the CSIRO tests as amongst some of the world’s cleanest air.
As an exporter, you’ll want to take advantage of any reduced costs that come your way. Free trade agreements (FTAs) do just that – and will make certain markets more attractive than others because of the greater opportunities for your business.
Look out quinoa – an Australian-grown ancient grain with serious health credentials is gaining ground on menus as awareness builds about its many benefits.
Asia’s accelerating meat demand and its proximity to Australia and New Zealand should place meat and dairy export heavyweights in good stead.
How the Internet of Things will revolutionise farm productivity.
How can satellites help to combat rising global pesticide usage?
Rich Gilmore left school hoping to become a wealthy stockbroker, before a trip to an African mangrove forest opened his eyes to saving the environment. “It was a life changing experience for me to see scientists and volunteers out in the field solving other people’s problems…”
How farmers, environmentalists and investors are working together to save the Murray-Darling Basin.
Why is sustainable soil management so vital to our survival?
Launched in early 2016, Dad’s Oats is the brainchild of siblings Alicia and Peter Cain, who clocked the potential for the family farm to earn extra revenue by selling the cream of their crop direct to the public.
Are you a female entrepreneur or business owner in a regional area of the country? Then the beStella website could be for you.
A free trade zone to expedite Australian food exports into China may soon become a reality. NAB’s Chief Customer Officer believes it’s a game changer for Australian agriculture.
Clare and Keith Mugford have one defining philosophy that’s been pivotal to Moss Wood's export success over the last 30 years: dedication to absolute quality, from soil to bottle.
Benchmarking can help farmers identify opportunities for growth. Holmes Sackett’s John Francis and NAB’s Matt O’Dea discuss the benefits and considerations.
2016 was a very tough year for many Australian dairy producers, with farmers beginning the year amid extremely dry conditions in key dairy regions and steep cuts to farmgate prices
Big data could help level the playing field for small- to medium-sized farmers. The Australian Farm Institute’s Mick Keogh and Precision Agriculture’s Andrew Whitlock discuss the opportunities and how to make the most of them.
After suffering through two droughts in 10 years, the fortunes of Central Queensland cattle stud Olive Brahmans turned around when they met a Thai investor interested in their Brahman cows.
Agronomist Peter Birch details five agricultural technologies on the radar for Australia farmers.
The Australian cattle industry has enjoyed a stellar two year run of rising prices, and more recently, very good rains across many cattle producing regions.
Cultivating fruit that’s sweet in taste, colour and consistency has positioned 2PH as a citrus market leader that can set its export price.
Kangaroo broth, macadamia milk, river mint – a new initiative plans to put a premium spin on native Australian foods and take them to the world.
Our outlook for agricultural production is highly reliant on the climate outlook
In 2015, JT Johnson & Sons, a fourth generation family business selling ruminant animal pellet feed and hay, celebrated its 20th anniversary with Japanese joint venture partner Asahi.
With an eye to adding more diversity to their beef, lamb and cropping operation, the Warner family hatched a plan to use their 1,700-hectare property to house a true free range egg enterprise. Caravan Eggs is the fast-growing result.
For the seafood division of the Craig Mostyn Group, one of Australia’s leading food and agribusiness firms, the fastest growing pillar is the export of live southern rock lobster and abalone into the Chinese luxury wedding market.
Sixth-generation farmer Charles Downie has managed Glenelg Estate through a period of drought and active stock reduction, to a flourishing flock producing some of the world’s finest fleece.
Global dairy markets have faced very difficult conditions since plummeting in the first half of 2014
The progress of the season, which has been generally much wetter than average in eastern Australia but dryer in the west, continues to be the major consideration for Australian agriculture.
Pactum Dairy Group, part of the Freedom Foods Group, is riding the wave of China’s growing love affair with dairy beverages. Freedom Foods Group Managing Director, Rory Macleod, explains how.
From one product line on Australian shelves many years ago, Stahmann Farms now has an abundant 40 nut products in some of the world’s biggest supermarkets chains as well as delivering branded products into its own online store in China.
Australian Agribusinesses are beginning to realise the advantages of our geographical proximity to Asia and the tremendous economic benefits it will bring.
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 rate of charitable giving in Australia fell in the 12 months to August 2016, following a spike in the previous year, coinciding with the Nepalese Earthquake, and a still cautious consumer, according to new research released by NAB today.
Technology has been a boon for farmers but it can also make them vulnerable to a cyber attack. NAB’s Chief Information Security Officer Andrew Dell and Beyond Technology’s Greg Spencer reveal the best strategies for cyber security.
Having just returned from a client tour this past week in the Riverina in southern NSW, there was also one topic that is currently front and centre for local farmers, and that was “rain”.
Spring has brought not only considerable rain to parts of the country but also a further uptick in the NAB Rural Commodities Index.
Agribusiness entrepreneurs get a high-powered facility
The Australian lamb industry has enjoyed broadly favourable conditions of late, and we remain upbeat in our assessment of the industry.
NAB, in conjunction with CoreLogic (RP Data), brings you the Australian Housing Market Update for August 2016.
Issues such as water access, a more efficient supply chain, and the protection of the family farm are at the heart of a new regional initiative aimed at driving a new wave of growth for Central Queensland.
With Asia estimated to account for two thirds of the global middle class economy by 2030, northern Australia’s potential for agricultural expansion to meet the impending demand is being examined.
Workforce planning can help farmers to operate more efficiently. Rob Grima, a Farm Management Consultant at Planfarm, shares his practical tips for managing a valuable resource.
NAB’s Rural Commodities Index includes 28 commodities. The index is weighted annually according to the gross value of production of each industry in Australia.
Australia’s next phase of growth must be defined by ideas, creativity and execution. By people and businesses that are adaptive, agile, thought leaders and doers.
Aglive has developed a unique digital traceability platform to connect farm to food and unlock the value of food safety compliance for farmers.
In this report we present a strong outlook for Australian pulses production, reflecting the exceedingly favourable season so far and greater plantings for some varieties.
Solid growth across the large south-eastern states has become increasingly entrenched over the past year, while difficult conditions in the mining sector are having a more pervasive impact across Western Australia, the Northern Territory and parts of Queensland.
Entrepreneur Joep Pennartz is tapping into the appeal of a country break with an accommodation idea that offers a potential new income stream for farmers.
The overall narrative of the Survey has not changed this month, even in light of recent disruptions to financial market sentiment.
Welcome to the CoreLogic overview of Australian housing market conditions for July 2016.
CSIRO and Bayer have teamed up to run Sustainable Futures, a free education program that’s been rolled out to about 450 schools so far.
Our expectations for prices in the coming year are underpinned by our forecasts for a generally lower AUD, tracking in the high 60s range in late 2016 and 2017.
Skye Blackburn is carving out a new market convincing Australians to go eat bugs, shipping 400 kilograms of bugs a week through the Edible Bug Shop.
Tess Herbert, who along with her husband Andrew runs one of the most successful feedlot operations in Australia, is the first female to become President of the Australian Lot Feeders Association.
An International Treaty is helping Australian farmers to boost productivity, adapt to climate change and stay competitive. Chief Plant Protection Officer Dr Kim Ritman discusses the treaty and its importance.
NAB, in conjunction with CoreLogic (RP Data), brings you the Australian Housing Market Update for June 2016.
The winding down of the mining investment boom has largely unfolded as many had predicted.
The international trend towards more nutritious, protein-rich eating is reaping healthy rewards for Australia’s largest nut and health food company, Select Harvests.
This report presents our initial estimates for Australian wheat production for the 2016-17 season.
Rachel Brindley is the former Melbourne-based chef turned jillaroo behind Outback Careers, where tree changers can search jobs and access information about life on the land.
Australian agriculture has seen a number of significant developments since the release of the last NAB Rural Commodities Wrap
With the call to entry for the 2016 Ethnic Business Awards now open, it’s the perfect time to celebrate some of the 2015 winners, including Joseph Kairouz, CEO of Cedar Meats.
At the start of this month we’ve seen another cut to the cash rate, taking official interest rates down to a new historic low of 1.75%.
The 2016-17 Budget includes a number of measures for agriculture, relating to water and drought, infrastructure, innovation and trade as well as revenue and savings measures.
A resilient economy, solid employment growth, strong household consumption and lower levels of consumer anxiety helped support the charity sector and the ongoing generosity of Australians.
Our forecasts point to Australian agricultural prices trending generally somewhat higher in AUD terms this year, despite challenging international conditions. However, the stronger AUD presents a risk to local prices.
In this video Alan Oster talks about Australia’s “Sharing Economy”.
Anna-Lisa Newman, Chair of Women in Farming Enterprises, explains how this social and professional network is helping women to share their knowledge and experience.
Cattle breeder Margo Hayes is the powerhouse behind Vitulus Lowline Stud, an award-winning semen and embryo export business with customers in a string of countries, including the US, the UK, Thailand and Italy. We share a day in her life.
NAB, in conjunction with CoreLogic (RP Data), brings you the Australian Housing Market Update for April 2016.
Richard Mohan and his family run a micro agribusiness called Midyim Eco Produce, which specialises in rare and specialty peppers such as pimientos de padrón – small green peppers unique to the Spanish region of Padrón.
Just over 15 years ago a trusty Tasmanian truffle dog named Pickles sniffed out the unmistakable perfume of the first Australian-grown black truffle. Today we are the fourth-largest producer of the luxe fungus labelled “black diamonds” because of the price tag it commands.
The Australian cattle industry is in the midst of a significant transition following a period of almost unprecedented growth in cattle prices.
The Fresh Produce Group has built its burgeoning Asian export business by expanding on what they already did very well – international trade, economies-of-scale, and customer-centred delivery.
Overall, 2015-16 has been a broadly promising export year for most major Australian agricultural exports.
With the mining boom at an end, the dining boom has certainly fuelled the Australian agricultural sector. This sector is 5 percent of the Small Ordinaries and has been a source of great returns over the past few years.
An advanced software system developed in Alice Springs called Precision Pastoral Management System (PPMS) is helping cattle farmers manage their land better by identifying areas in their production cycle that need to be improved. It could add an estimated $70,000 to the bottom line for the average rangeland cattle property.
Innovation is a key driver of business success. It’s typically defined by a firm’s knowledge of the market and customers, constant process reviews, learning from failures and passion and drive.
Our forecasts point to Australian agricultural prices trending higher in AUD terms in 2016, despite challenging international conditions.
The Maitland family had already been farming for five generations when they decided to turn the durum wheat grown on their farm into healthy, wholegrain pasta. Pangkarra Foods are now selling their products across Australia and south-east Asia.
This excerpt from the NAB ACRI Australia-China Business Index examines barriers to engagement between Australian and Chinese businesses.
The recent Agricultural Competitiveness White Paper committed $4 billion to the sector but is that enough to support potential growth? Simon Talbot, CEO of the National Farmers’ Federation, discusses the gains, the gaps and why the industry needs to revisit its image.
While most of their neighbours were growing food crops for the domestic market, the Salvettis of North Queensland Tropical Seeds (NQTS) diversified their seed, grain and legume crops with traceable Australian-grown chia, tapping into lucrative offshore markets.
The United States of America (US) is the economic powerhouse of the world, with its largest and richest consumer market. Last year marked the 10th anniversary of the Australia-United States Free Trade Agreement (AUSFTA), which came into force in January 2005.
NAB, in conjunction with CoreLogic (RP Data), brings you the Australian Housing Market Update for February 2016.
Intellectual property covers everything from your brand to customer lists. It could be your most valuable asset, so how can you best protect it? Bill Ladas, Special Counsel at King & Wood Mallesons, and Tara Tissott, Legal Counsel at NAB, discuss the options.
The Purbrick family has been managing the Tahbilk winery in Victoria for five generations. It’s now managed by Alister Purbrick and his daughter Hayley, who believe they have a responsibility to leave both a sustainable environmental legacy and a successful business for future generations.
Farmers will soon be able to hold up to $800,000 in Farm Management Deposits. Khan Horne, General Manager of NAB Agribusiness, discusses the benefits of this investment.
The rotation in economic activity towards the non-mining states is continuing, while conditions in mining states have become more challenging as commodity prices have fallen further.
Run by four families, Flinders Ranges Premium Grain in South Australia has an expanding grain and flour export business that sells itself on the location and soil it’s grown in, in the same way wine does.
Australian producers have been shielded from much tumult by a lower Australian dollar and a large and relatively stable domestic market.
The organic wine industry, once a cottage industry run by and targeting a handful of mavericks, is now big business.
Father and son entrepreneurs Stuart and Cedar Anderson of Flow Hive™ fame overshot their original crowdfunding target of $97,000 by about $16.8 million. How did it happen and where do you go from there?
The Ralstons have been farming oysters for five generations. Now, with brothers John and Ben Ralston at the helm they are using innovative techniques to attract new customers.
There are plenty of opportunities for agribusiness in 2016. Four agri specialists from NAB – Khan Horne, Phin Ziebell, Greg Noonan and Rodd Ludeman, share their predictions.
Many Australians dream of a financial windfall that would significantly improve their lives forever, but how much is enough? In this special report, we ask over 2,000 Australians to tell us how much they need.
Dairy farmer John Fairley has built Country Valley into a successful niche brand. He explains how sustainable practices are helping him to cut costs and attract premium prices.
The December Housing market updates shows the highest annual growth rates are still being recorded in Sydney and Melbourne.
Alice Mabin re-launched her career from animal health to rural lifestyle photographer, author and entrepreneur with the launch of her self-published book, The Drover capturing an epic cattle drive. She explains how taking a risk helped her build a business doing what she loves.
This report presents our forecasts for Australian agricultural exports for 2015-16 as well as estimates for 2016-17. Overall, 2015-16 looks to be a promising export year for most major Australian agricultural exports in value terms, supported by a lower Australian dollar.
Teys Australia has invested in four wastewater treatment plants, which are significantly reducing its greenhouse gas emissions and resulting in a major reduction in the beef processor’s reliance on fossil fuels.
Agricultural markets continue to react to the unfolding El Niño event, albeit in varying directions. Overall, the NAB Rural Commodities Index was stable in October.
The latest edition of Business View magazine is now available to download for free on iPad and iPad mini via our app, NAB Think.
The Clean Energy Finance Corporation is working with NAB to make energy-efficient equipment more affordable. NAB’s Robert White discusses the benefits of investing in new technology.
Healthy, delicious, sustainable – and as Australian as you can get. Kangaroo meat’s praises are being sung by chefs, and farmers would love to see increased harvesting of the animals. But local consumers remain slow to put it on their regular shopping list.
Overall, we assess this year’s El Niño as a moderate risk to farm production. We forecast farm GDP (2% of the total economy) to be flat to moderately lower (0 to -5%) in 2015-16, which will only marginally subtract from headline GDP.
Agricultural prices continued to diverge in September. Most major grains fell as did fruit, vegetables and trade lamb (reflecting seasonal trends) however dairy prices strongly rebounded and sugar, beef and rice were also higher in AUD terms.
The Trans Pacific Partnership delivers tariff reductions and improved market access for Australian agricultural products. With TPP countries representing a third of Australian agricultural exports, these benefits are potentially significant.
The realisation that so many Australian school children are completely oblivious about where their food and fibre comes from prompted a South Australian mother to create the George the Famer app.
Earlier this week, Australia agreed to become part of a historic trade agreement, including countries that account for nearly 36% of global GDP and one quarter of global trade. This document provides a summary of the key measures, reported benefits and what we know so far about contentious issues.
Mara Seeds is a diverse family company selling everything from organic soil treatments to cattle. Managing Director Stuart Larsson discusses his sustainable approach to business.
Australia’s agricultural producers, long frustrated by the inaccessibility of neighbouring Asian markets, now find themselves operating on a more level playing field given the signing of free trade agreements with Japan, Korea and China.
Key Points Agricultural prices diverged in August and into September – protein and fibres generally rose while crops trended lower. Overall, the NAB Rural Commodities Index was flat in AUD terms in August (down 0.1%) and moderately lower in USD terms (down 2.0%). The AUD continued its downward trajectory in August, before sinking below 70 […]
For many young Australians, food is something that comes from a shop, not a farm. Lynne Strong and Tony Butler discuss two very different ways of bringing young people and farmers together.
Economic activity is shifting back to the eastern seaboard as the economy transitions towards non-mining sources of growth with domestic demand will be strongest in New South Wales and Victoria.
KAITEKI Fresh has launched a hydroponic facility in Victoria that produces up to eight times as much high quality, high nutrient spinach, rocket and kale using less water than conventional farming and no pesticides.
Lamb prices follow a generally seasonal pattern, rising early in the year before declining in spring as spring lamb supply becomes available. Nonetheless, monthly average trade lamb prices have remained reasonably steady through July and into August this year and prices are now well ahead of the same time last year.
Indonesia is Australia’s 11th-largest export market and 12th-largest trading partner. From what to wear to business meetings to how best to manage the decision-making process, we share tips to help Australian businesses prepare for opportunities within the world’s 16th-largest economy.
Former shopping centre developer, grazier, entrepreneur and now magazine owner, Peter Howarth, explains how his personal passions drove the success of his enterprises.
The NAB Rural Commodities Index continues to rise in AUD terms (up 4.1% in July), supported by a lower dollar and higher beef, fruit, domestic wheat and sugar prices.
Australia’s second-largest sugar producer also powers almost a third of Mackay. Quinton Hildebrand, Chief Executive Officer of Mackay Sugar, explains how a ‘nothing is wasted’ approach to the business is creating multiple income streams.
GT Ferreira, who made his mark in South Africa, is leading the charge to make Australia the most valuable mohair producing country in the world.
NAB Agribusiness has revised its national wheat crop forecast up to 21.6 million tonnes for this season, with 23 million tonnes possible contingent on good spring rain in key wheat regions.
Nick Cracknell explains how sustainable practices helped increase production, reduce costs and minimise waste without comprising on flavour.
The Brosnans used innovative technology to create a 1,300-sow piggery that’s efficient, humane and powered by electricity generated from pig manure and other waste products. We look at how they’re leading the way with their sustainable, whole-of-farm approach.
Jillamatong’s pastures are lush and weed free yet Martin Royds spends next to nothing on biocide sprays – and has even sold his ploughs. He discusses the role of holistic management in creating a drought-resistant environment for raising healthy cattle
A skills shortage is affecting every aspect of Australian agriculture. Professor Jim Pratley, the author of a government review of agricultural education and training programs, discusses how schools and universities are helping boost the number of qualified people in the sector.
The NAB Rural Commodities Index was steady in June. The neutral result largely reflects higher grain and protein prices offset by sharply lower fruit, vegetable and to a lesser degree sugar prices.
Nathan Free, 26, a fourth generation Victorian farmer, named the 2014 AUSVeg Young Grower of the Year, runs Wattle Organic Farms. Launched six years ago by a group of like-minded organic growers, the business is growing at 200 percent year-on-year.
D.D. Saxena, the founder and Managing Director of Riverina Oils & BioEnergy (ROBE), has built a $150 million state-of-the-art, fully integrated oilseed crushing and refining plant in Wagga Wagga that’s crushing and refining over 165,000 tonnes of oilseeds a year.
Andrew French is a Gippsland farmer who’s exceeded his own expectations by turning what could have been a disastrous event into a booming business with the help of some indigenous plant species that grew and thrived in the salty estuaries of his Snowy River property.
Overall, we expect prices to generally rise in AUD terms for most of these commodities, with the exception of dairy and sugar, reflecting strong demand for beef in particular as well as the impact of a falling AUD.
Uniting under a single ‘True Aussie’ brand could give Australian farmers more visibility, more bargaining power and higher farm gate returns. Simon Talbot, Chief Executive Officer of the National Farmers’ Federation, discusses the opportunities and how farmers can make the most of them.
When the Estens family started growing oranges they had been cotton farmers for over 30 years. Dick Estens discusses why they decided to diversify, how they’re building a sustainable citrus industry and their success in exporting orange juice to Asia.
The past decade has seen remarkable growth in the trading relationship between India and Australia, with two-way trade in goods and services reaching $14.8 billion in financial year 2013-14.
Bees that pollinate crops (worth an estimated $4 billion) are under threat from a devastating pest, the Varroa mites. Beekeeper Lindsay Bourke, a finalist in the 2014 Plant Biosecurity Farmer of the Year Awards, explains how biosecurity – and the bees themselves – can build up our defences.
The NAB Rural Commodities Index rebounded in May – up 4.2% in AUD terms and 3.4% in USD terms. The improvement comes off the back of higher beef, lamb, wool, fruit, vegetables and pulses prices, offsetting further declines in dairy.
David Hohnen, the former CEO of Cape Mentelle and Cloudy Bay, is combining his dual passions for wine and sustainable agriculture with a family winery called McHenry Hohnen and The Farm House, a butchery, smokehouse and smallgoods maker.
April saw a renewed rise in beef and lamb prices, combined with stability across major grains, balanced against lower dairy, fruit and vegetable prices.
Mark Wootton and Eve Kantor have spent almost 20 years building up their carbon neutral sheep and cattle farm. Wootton explains how planting almost a million trees helped to double the carrying capacity of their 6700 hectares and boost their profitability.
Post-farmgate conditions were lower than expected despite the March and June quarters generally being seasonally the weakest quarters in the NAB Post-farmgate Agribusiness Survey.The weakness in the results likely reflects mixed climatic conditions.
This edition highlights some of Australia’s successful businesses. Our cover story reveals the secrets to Baz Luhrmann and Catherine Martin’s successful partnership. We also chat to John Bertocchi and Peter Paolino of Bertocchi smallgoods and Fonda co-founders David Youl and Tim McDonald.
Alan Oster discusses the impact the budget will have on consumer sentiment and business confidence, benefits for Small Business and key Agribusiness outcomes.
Building confidence and providing support through expanded investment for the agricultural industry.
Farmers are using drones to collect information on everything from germination patterns to hail damage. Peter Birch, who operates a drone for farmers around Australia, discusses their value and the role they’re likely to play in the future.
Cattle prices began to ease in February and continued to fall until late March, before trending upward in early April in line with higher 90CL export prices to the US. Overall, the Eastern Young Cattle Indicator fell 4.6% (AUD) month on month to 424.7 AUc/kg.
One of Shanghai’s largest private real estate developers, Shanghai Zhongfu, faced the challenge to integrate off-take from its planned Australian operation into the long supply chain of China’s domestic market.
The 2014 Australia-China Trade Report reveals China is Australia’s top dairy export market highlighting the considerable growth potential for Australian agribusiness in processed food as Chinese incomes rise.
It started out as a way of cutting the cost of fuel. Today, Ecofuels Australia’s biodiesel operation is just one aspect of a ‘closed-loop’ system that includes rearing livestock and generating power. General Manager Peter O’Donnell discusses his commitment to sustainable practices that make economic sense.
The NAB Rural Commodities Index, which covers 28 agricultural commodities, fell 1.7% (AUD) and 3.3% (USD) in March, led by lower beef, lamb, fruit, vegetable and sugar prices. Partial data for April to date points to a recovery in beef and lamb prices.
The divergence between mining and non-mining state economies continues, although with mining investment now winding down it is the major non-mining economies that are starting to outperform. Budget positions improving but focus remains on reducing expenditure.
Trust is one of the most powerful marketing tools – and consumer trust in Australian farmers is on the rise. Patrick McClelland, from public relations firm Porter Novelli, explains how putting three key principles to work can help farmers turn consumer trust into business growth.
Julie Bishop launched the 2014 Australia-China Trade Report. Commissioned by the Australia China Business Council (ACBC), one of Australia’s most respected China engagement forums and sponsored by NAB, the report examines bilateral trade between the two countries.
The December quarter 2014 saw a rebound in post-farmgate agribusiness conditions, confidence and expected conditions at both 3 and 12 months. However forward orders declined and profitability remained negative. Overall, the sector experienced a more optimistic December quarter.
Weed control activities are costing Aussie farmers around $1.5 billion a year and herbicide resistance is on the rise. Whilst wide rows make it easier for machinery to pass through stubble they increase the need for herbicide. A return to narrower rows could be part of a balanced solution.
The Rural Commodities Index, which covers 28 agricultural commodities, gained 2.1% (AUD) and 0.5% (USD) in February on the back of higher fruit, dairy, fibre and pulses prices, which offset mixed performance across grains and protein.
After struggling to find a buyer for his first crop of coffee, Ian MacLaughlin has gone on to become Australia’s largest exporter of Arabica coffee. He explains how sustainable practices helped him to create a competitive edge and underpin his continuing success.
Forecast production across summer crops remains divergent. Cotton is likely to see a significant fall in price year on year, as changes to Chinese subsidy arrangements and cheaper synthetic fibres eat into demand, outweighing the impact of reduced Australian supply.
Nine months into an ambitious export program, Norco has been exporting between 4,500 to 25,000 litres of fresh Australian milk to China each week – commanding $7 to $9 a litre. CEO Brett Kelly explains how the dairy co-operative gained a foothold in this lucrative market.
In recent years, Australian agriculture improved its productivity by 72 percent – more than any other industry sector. Dr John Bell, who chaired an Expert Working Group reporting on productivity, discusses the role played by research and technology.
2015 brings an expanded Rural Commodities Index, which now includes 28 commodities, up from eight. The Index increased 5.6% in January in AUD terms, as sharply higher beef prices - and to a lesser extent higher lamb, dairy and vegetable prices - offset mixed performance across grains.
A new approach to risk management looks at the range of variables rather than average values. Cam Nicholson, a farm consultant with Nicon Rural Services, explains how this approach can help shape a more effective risk management strategy.
Combined with strong industry fundamentals, Queensland saw significant rainfall during December 2014 and January 2015. In response, cattle prices have risen substantially as producers look to restock. However, despite this optimism, a number of challenges remain.
NAB has released its first annual pulse check on the big issues facing Australia today. Important concerns include cost of living, access to healthcare, employment, the economy and terrorism/security concerns, while indigenous issues, infrastructure and transport and taxation are lowest.
Since 2008, global quinoa consumption has rapidly increased. In Australia, planting has been concentrated largely in Western Australia. While there are potential benefits from diversification for wheat producers, concerns remain around reliability of yield, weed control and marketing.
A recent survey of over 5,000 farming customers found that 74 per cent had made changes to their businesses as a result of natural resource sustainability in the past two to three years. NAB is stepping up its recognition of the benefits of sustainable business practices.
David Blackmore’s melt-in-the-mouth Wagyu beef is recognised around the world thanks, he says, to a healthy farm and happy cattle. Today his biggest challenge is keeping up with demand from some of the world’s leading chefs and restaurateurs.
2015 could be a very good year for agribusiness, with easier access to Asian markets and favourable economic conditions. Five of NAB’s leading commentators take a close look at the opportunities and share their tips on how to make the most of them.
The most recent Global Dairy Trade auction, held in mid December 2014, posted a small increase in weighted prices. This, combined with expectations of weaker supply growth in 2015, may point towards price stabilisation in 2015. Get the full picture on the local and global dairy outlook.
Thanks to the Japan-Australia Economic Partnership Agreement (JAEPA), there are now new opportunities for Australian businesses to move into Japan. NAB's Kohei Tsushima explains how those in agribusiness, financial services, health and education are the most likely to benefit.
When succession planning, how do you recognise the on-farm contribution of children who’ve stayed working in the business? National Manager of Agribusiness Wealth at NAB, Bill Adams, illustrates how putting a dollar value on this ‘sweat equity’ can help explain estate planning decisions.
The Indian economy expanded by 5.3% over the year to the September quarter. It's the second successive quarter of above-5% growth, and reflects a gradual upturn in the Indian economy. Financial services and Community services were the best performing sectors.
This report uses our expertise from across a range of industry sectors. In this edition, we present a compilation of articles with the underlying theme on change, and we ask NAB’s Chief Financial Officer for his view of the barriers and challenges for the Australian business landscape.
General Manager of NAB Agribusiness, Khan Horne says the falling Australian dollar is a real boost for agriculture, and combined with the recent announcement of the China–Australia Free Trade Agreement, conditions for 2015 are looking positive for agricultural exporters.
Warren Taylor has been breeding and selling bees for over 40 years. He also rents them out to farmers to help pollinate their crops – and he’d like us all to be more aware of the role the humble honey bee plays in both global agriculture and the Australian economy. We share his story.
Under the China Australia Free Trade Agreement (ChAFTA), big opportunities will exist for agricultural exports with considerable growth potential, like dairy, beef, lamb, wine and horticultural products. Australia's wool industry will also benefit from improved trading conditions.
The China-Australia Free Trade Agreement (FTA) offers considerable potential for Australian agricultural and services firms as a result of their improved market access. Dairy, meat and horticulture stand to gain significantly while most resource exports will end up having duty free access.
Following the signing of the China-Australia Free-Trade Agreement yesterday, NAB General Manager Agribusiness, Khan Horne said dairy, beef, lamb, wine, horticulture, grains and seafood are some of the sectors set to benefit, and that it's an exciting for many farmers across the country.
While global grain prices are currently weaker than recent seasons, NAB's Greg Noonan says Australian growers are being paid a hefty premium. He's urging them to work through the pros and cons of marketing options when deciding whether to sell now or hold onto their grain.
It’s called the Sport of Kings, and in Australia one woman stands out among all others. Since taking on the racing board to gain her training licence, Gai Waterhouse has been a formidable force in horse racing and an inspiration to businesswomen everywhere.
The latest issue of Business View magazine celebrates successful Australian business women. In our cover story we talk to top horse trainer Gai Waterhouse about overcoming barriers and what underpins the success of her business. We also chat to Collette Dinnigan and Lisa McGuigan.
The latest Post-farmgate Agribusiness Survey shows that while the sector experienced a difficult September quarter, expected conditions for the coming 12 months remain in positive territory at +5.
The overall price outlook for rural commodities stabilised somewhat in September and early October as a falling AUD blunted the impact of lower global prices.
Could Australia become “the food bowl of Asia”? NAB’s Frank Drum and Ben Matigian look at the infrastructure gap in Australian agriculture and the potential for strategic investment in the sector.
Speaking at the BeefEx conference on the Gold Coast today, NAB’s Regional Head of Food and Agribusiness, Patrick Vizzone, explained that China is changing how it does business and the shift in thinking from self-sufficiency to trade provides a massive opportunity for beef exporters.
From satellite navigation to controlled traffic zonal tillage, David Cox is at the cutting-edge of precision farming. He explains how he uses technology to reduce costs and increase efficiency on his North Queensland sugarcane farm and how he’s now helping other farmers do the same.
The overall outlook for rural commodities deteriorated in August and September on account of a weak finish to winter rains in many areas combined with forecasts of abundant global grain supplies and lower prices for major agricultural commodities.
Not all fruit and vegetables can be supermodels – the wonky carrots and curly capsicums farmers often have to throw away are just as tasty and nutritious. As CEO of Spade & Barrow, Katy Barfield is committed to reducing waste and paying farmers a fair price for their whole crop.
China accounts for a staggering 43 per cent of the projected increase in global agrifood demand over the next 35 years, and Australian agribusinesses are positioning themselves now to seize the business opportunities.
The Indian economy expanded by 5.7% in the June quarter, the fastest pace in over 2 years. By sector, Services (Financial & Community services) and Industry were better performing, while Agriculture eased due to weaker monsoon conditions.
Keen to encourage young people to enter the sheep, meat and wool industry, Don and Pam Mudford changed the way they did business to better suit the next generation. Don opens up about his family’s commitment to breeding hardier sheep and the challenge of encouraging young people into farming.
Australian beef prices are forecast to increase 3.5 per cent in 2014-15 on the back of a 4 per cent fall in production as producers rebuild herds, according to the latest NAB Agribusiness Rural Commodities Wrap.
Australia’s Federal system of Government makes State Governments a critical part of the overall fiscal and economic performance of Australia. This handbook is intended to provide a comprehensive update and reference tool on both the economies and fiscal finances for each State.
Want to receive alerts of NAB’s economic updates and business commentary directly to your LinkedIn feed as soon as they’re shared? Follow us on Australian Business Insights.
The direct impact to Australian agricultural producers of the Russian Government’s embargo on most food imports is likely to be relatively small. However the secondary impacts are likely to be of greater concern for Australian producers.
Social media can help you grow your business, deliver advice from international experts, even provide practical ways to help fix your tractor – but how do you know where to start? Digital strategist Tim Gentle explains how to develop a strategy for making the most of online opportunities.
In the wake of Japfa Comfeed Indonesia’s acquisition of two Top End cattle stations Samuel Wibisono, Japfa’s GM Beef Division, explains the opportunities and challenges for Australian beef exporters into a growing Indonesian market.
One of the largest vertically integrated supply chain organisations in the world, Australian Country Choice (ACC) is looking to expand its supply of high quality meat into Asia. CEO David Foote discusses the challenges and opportunities ahead.
The 2014-15 Australian wheat season is off to a good start in most growing areas following autumn rain, and domestic prices are at a premium to international levels due to concerns about the impact of a dry spring.
The latest National Australia Bank (NAB) post-farmgate Agribusiness Survey reports that the sector remains overwhelmingly optimistic about business conditions over the next 12 months, despite the index falling in the June quarter.
Many things have changed since Malcolm Knight’s grandfather ran Golden Wattle farm, but the family’s commitment to the community is stronger than ever. Knight discusses the changes, the challenges, and a welcome trend for more young people to return to the family farm.
With information about prices, market trends and the supply chain, farmers can plan more effectively and run a more profitable business. Mick Keogh, Executive Director of the Australian Farm Institute (AFI), explains the importance of statistics and where to find the most useful ones.
The Crothers family saw a bright future ahead in the cotton industry, but moving from livestock meant taking on a massive challenge. Douglas Crothers talks about storing a year’s supply of water, completely restructuring the farm, and the need to plan for a sound financial future.
Dairy farmers are encouraged to review budgets and timing for any capital expenditure plans off the back of opening dairy price forecasts. NAB’s Neil Findlay says these plus this financial year’s stronger finish should support the confidence that’s been returning to southern producers.
Supported by still-low bond yields and more positive economic data from China and the US, global equity markets maintained their upward trend in May to close higher in general. However, commodities markets were more mixed.
Michael Worthington, Chief Executive Officer of PMA Australia-New Zealand, says the produce sector is ripe with fresh opportunities for fruit and vegetables growers of all sizes – as long as they keep pace with their customers’ changing needs.
While China remains our biggest trading partner, other emerging Asian nations – including ASEAN, Hong Kong, South Korea and Taiwan – are critical sources of imports and exports for Aussie SMEs. Understanding these regional economies and their distinct differences is critical.
The Australian project finance market is widely considered a world leader when it comes to assessing the financing of greenfield development risk. Michael Clarke looks at how mining/resource project financing may be a helpful paradigm for financing large-scale greenfield agri developments.
Ninety three percent of Australia’s annual grain crop is grown under dryland conditions. Southern Panel Chair of the Grains Research and Development Corporation, explains how national and international research is helping farmers in this challenging environment.
There are signs of stabilisation in the growth in the US and China: the US Fed proceeded with another US$10 billion cut in their monthly quantitative easing program to US$45 billion, while Chinese industrial activity gained some support from a series of targeted stimulus policies.
Farmers looking to retire or play a less active role in the family business have a special set of considerations at tax time. Farmers are encouraged to investigate the most effective tax solutions and their longer term wealth creation.
Federal Treasurer Joe Hockey handed down the 2014 Federal Budget last night and there’s plenty to talk about. Our team of economists have analysed what it means for you, your business and a variety of key industries with our summary fact sheets.
Our leading team of economists have broken-down how the 2014 Federal Budget impacts Australian agribusinesses. As well as analysis, we outline the key initiatives and how the industry is responding.
While some saw this as ‘the Budget we had to have’, the grants news is good. Overall funding for businesses is set to increase under measures proposed in the 2014 Federal Budget. GrantReady summarises what the Budget means for grants and funding programs.
The 2014 Federal Budget outlined some drastic measures for the agriculture sector – from changes to Landcare to additional RD&E funding. Colin Bettles, Canberra Bureau Chief, Fairfax Agricultural Media, shares his summary of the proposed measures.
There’s a lot of change in this year’s budget, so understanding how the Federal Budget impacts you and your business can be challenging. That’s why our team of economists and industry experts have been working around the clock to break it down.
Post-farmgate agribusiness conditions fell significantly in the March quarter from a 9-year high in December quarter as supportive seasonal factors dissipated. However, a sustained period of positive readings suggests that underlying fundamentals remain strong.
Globally, commodity markets experienced heightened volatility in March, with the concerns of a slowdown in China and its first domestic bond default triggering some investor risk aversion.
Patrick Vizzone, Regional Head of Food & Agribusiness, Asia, Institutional Banking reflects on how the outcomes of last November’s Third Plenary Session of China’s Communist Party’s Central Committee may shape the Australian agriculture sector.
China is the world’s biggest market for red wine at 1.87 billion bottles in 2013. Australian wine producers are invited to experience first-hand Chinese tastes, the local industry and build valuable contacts with a wine study tour to China and Hong Kong.
Robots are on the march. Most of them work on assembly lines, building cars, making electronic devices and processing food, drugs and chemicals. But robots are spreading beyond the factory - a trend that will accelerate in 2014.
Australia’s role in securing the food, water and supply chains of Asia will be dependent on our ability to embrace change and innovation. Dr. Ken Henry looks at the opportunities that exist for Australian businesses in the Asian century.
Montague Fresh fought off tough competition to win the prestigious Woolworths 2013 Supplier of the Year Award. Ray Montague and his son Scott discuss the key to their success and how things have changed during their 50-year relationship with Woolworths.
Global equity and commodity markets exhibited increased volatility in the past month, caused by heightened geopolitical tensions in Ukraine, adverse weather events in the US and news of a slowing Chinese economy. December quarter GDP result for Australia was close to trend.
There’s been a lot for Aussie businesses to talk about recently – from the impact of weather on global economic growth to retailers’ expansion plans. Here’s a selection of recent business insights to help you uncover the opportunities across all business sectors in 2014.
Running a business with family members has its challenges and benefits. But Bart and James Cummings are proof that a cross-generational family business can work and, through their training partnership, it can survive and even thrive.
Post-farmgate agribusiness conditions rose significantly to their highest level in 9 years in the December quarter, with across-the-board improvements in all the three components of trading, profitability and employment.
Australia is on track to be the third largest exporter of raw cotton in the world in 2013-14, with forecasts of just under one million tonnes according to the latest Rural Commodities Wrap. The AUD is forecast to track lower which should provide further benefits to exporters.
The reports utilise our expertise across a range of industry sectors. In this edition we are pleased to present a compilation of articles with an underlying theme around the Australian opportunity in the growing Asian region.
Robots are rapidly moving out of science fiction and on to the farm. Salah Sukkarieh, Professor of Robotics and Intelligence Systems at the University of Sydney, says they could soon be helping farmers to cut costs and increase yield - and that now is the time to prepare.
Entrepreneurial thinking can strengthen rural businesses and reinvigorate entire communities. Dr Yasmin Chalmers, Director of Marcus Oldham College’s Centre for the Study of Rural Australia, explains how the EntruBIZ program is helping people to think in an entrepreneurial way.
The global economy capped off 2013 on a strong note, with monthly measures of global industrial output and trade indicators picking up to finally be consistent with the more buoyant message that the advanced economy business surveys have been signalling since late 2012.
Start to prepare for a new era in the Australian Chinese relationship. Well within five years, instead of simply looking at Chinese manufacturing, Australia will look at the tourist bookings due to a very big rise in Chinese tourism.
As many SMEs might be a million miles away from the mining and resources sector, it’s easy to think it’s all completely irrelevant. That’s not the case. It’s important that you're aware of the general direction of the industry because it can affect your own business.
New Year is the perfect time to be considering and reviewing your strategies for the year and putting your plans in place to make the most of opportunities. Our message to farmers is that if they’re ready for more in 2014, we’re here and ready for them.
This year in business there's more to talk about.
A farm can be a dangerous place for farmers, their families, workers and even visitors. John Temperley, Executive Officer of Farmsafe Australia, discusses some of the most common hazards and shares practical steps for making farms safer for everyone.
There are strong opportunities for Australian agribusinesses as key Asian markets are increasingly demanding high quality, safe and healthy food.
Do you know how sanctions and embargoes work and how they can impact your business? As an agribusiness it's important to understand your obligations in relation to domestic and international sanctions before entering into arrangements with offshore providers and/or their agents.
Indian growth accelerated to 4.8%, in year ended terms, in the September Quarter, up from 4.4% in the June quarter. An improvement in the agricultural sector (up to 4.6% from 2.7%), due to a favourable monsoon season, helped drive the improved outcome.
Global growth remains at a moderate sub-trend pace and it’s expected to pick up to slightly below trend in 2014. However, NAB business conditions remain weak and forward indicators deteriorated slightly. There are still no signs of a recovery in non-mining investment.
It’s a season of stark contrast for Aussie wheat growers, with those in the west and south set for a bumper season while those in the east are doing it tough. International factors are also placing downward pressure on prices, with Canada producing one of its biggest wheat crops on record.
Post‐farmgate agribusiness conditions maintained its momentum in the September quarter to remain in positive territory, with the profitability index recording its first positive reading in three years.
Discussions of food security in Asia have often centred on the issue of supply, but now the emphasis is shifting from quantity to quality. The ability to address the issue of food quality is complicated by the increasing complexity of the food supply chain in Asia.
Global bond yields fell in September from the US Fed surprise decision not to initiate the tapering of its quantitative easing program. Meanwhile, commodity markets weakened further. The strong pace in the economic recovery in big advanced economies evident in the first half of the year
Farmers’ Markets are helping to bridge the gap between the city and the farm. Jane Adams, National Representative of the Australian Farmers’ Markets Association, explains how farmers can benefit from selling directly to their consumers.
The 2011 Agricultural Census reveals an evolving sector - in terms of both farm and farmer. With bigger farms and more sophisticated owners to contend with, service providers need to prepare for a new and challenging landscape.
Wine sales in China are expected to increase 50 percent between 2013 and 2016. Australian wine producers have the opportunity to differentiate themselves from international competitors by concentrating on marketing more premium vintages in China.
Global financial markets rallied strongly when US Federal Open Market Committee (FOMC) defied market expectations of a modest tapering and decided to leave retain the status quo on the pace of asset purchases.
As Managing Director of Taylors Wines, Mitchell Taylor is steward of a family-owned company which was founded by his grandfather. Here, he explains how his passion for handing on a sustainable business inspired the creation of the world’s first carbon-neutral wine.
A successful business needs quality employees but in agriculture, skills are in short supply. Rimfire Resource's Nigel Crawley suggests ways to attract the right recruits and explains how the Career Harvest initiative could bring more young people into the industry.
Four years ago, John Gladigau joined forces with fellow farmer Robin Schaefer to create a new business, Bulla Burra. Here Gladigau explains how the collaboration has led to improved efficiency, economies of scale and even a better lifestyle.
Like China, Indonesia has a fast-growing middle class with an appetite for Australian produce. Grant Healy, Director of NAB's Asia Desk, discusses the business opportunities, available resources and the importance of paying a visit.
Post-farmgate agribusiness conditions rebounded in the June quarter to be mildly positive but confidence fell marginally. Customer demand remains the single most significant constraint to businesses’ future profitability. Expectations for capex plans surged to the highest in two years.
Global equity markets recovered earlier losses as it became clear that central banks would not rapidly turn off their monetary easing, although we still expect the US Federal Reserve to start tapering in the coming few weeks.
30 years ago, Rushel Farm was a bare and uneven block of dirt. Today, Russell and Helen Chapman head a family concern selling over 550,000 cartons of capsicums, melons and mangoes every year. They’re also August’s featured family in the NAB Agribusiness Calendar.
If you’ve been thinking about improving the efficiency of your importing or exporting business with Australia’s largest trading partner, there’s now a more efficient way to settle trade transactions in China. Hear the latest insights from NAB’s team of experts.
Global equity markets have come under downward pressure, but the latest data on activity is slightly more positive. Business sentiment about current conditions has picked up in advanced economies and growth in global industrial output is faster.
22 years after his first visit, Michael Jackson, a beef farmer and specialist in agricultural real estate, accompanied the NAB Agribusiness team on a 10-day study tour of China. Here, he discusses the country’s development, current opportunities and why he’s since made a third trip.
Global financial markets have taken a dive at the suggestions of the US Federal Reserve scaling back quantitative easing soon and the drying up of new stimulus initiatives by the Japanese government.
Agriculture in Australia has an exciting future. The changing landscape of Australian agriculture is creating a raft of opportunities across the sector and for the first time in years, agricultural student enrolments are up, and quite significantly.
As owners of Ellerslie Hop Estate, the Crokes have been putting the flavour into beer for over 80 years. Managing Director Greg is the grandson of the founder and the son of the chairman - and they're June's featured family in the NAB Agribusiness calendar.
David Brett, NAB's Head of Agribusiness for Northern Australia, says it’s been a solid year for Australia's 1,500 cotton farms.Driven by a more positive global economic outlook, Australia looks set to export a record 1.1 million tonnes of cotton this financial year.
Nationally, farmers have been using Farm Management Deposits (FMDs) at record rates - the biggest month for deposits each year has traditionally been June, as farmers look to take advantage of tax benefits before financial year end.
With the exception of dairy, the prices of most other agricultural commodities have headed south this month. In April, the Rural Commodity Index rose marginally USD terms by 0.8% while fell by 2% in AUD terms. This month, lamb is our commodity in focus.
Considering doing business with China? Australia China Business Week, the most significant Sino-Australian business events of the year, kicked off in Shanghai last month ahead of upcoming events in Melbourne and Sydney. We reveal the insights shared by the Shanghai delegates.
After a positive December quarter result, the March quarter result has relapsed into negative territory, to be more consistent with the negative pattern observed in the three quarters prior to the December quarter. On balance, more survey respondents reported poor conditions than good.
Until the age of 19, Evangelos Kalafatis grew fruit and herded sheep in a remote Greek village. Today he heads a family business that supplies stone fruit, apples and pears to supermarkets across Australia – and which features in the NAB Agribusiness calendar for May.
Understanding how the Federal Budget impacts you and your business can be complex. Our team of leading economists, tax and superannuation experts keep you up-to-date with all the latest news from the 2013 Federal Budget so we can help you get all your ducks in a row.
With the Federal Budget being handed down yesterday, we want to ensure you understand what it means for you and your business. Our team of economists and industry experts have analysed what the Budget means overall for Australian businesses, as well as focussing on specific industries
Agribusiness has emerged as a net beneficiary of the budget, with the diesel fuel tax rebate – speculated as an area of possible cut prior to the release – remaining intact. That said, the overall gains are rather modest.
A trip to the Calgary Stampede in Canada was the highlight of the year for Joel Fleming, ALPA 2012 Young Auctioneer of the Year. Here he talks about the competition, his win and how the experience of a lifetime has also provided a boost to his career.
Campdrafting is a sport for people of all ages and a family event that brings rural communities together. The NAB Agribusiness Rookie Campdraft Series encourages less-experienced riders to join in the action with a chance to compete at their own level.
If you want to do business in China, you have to go there. Developing relationships and understanding the intricacies of doing business are vital to successfully taking advantage of the opportunities presented by Asia’s growing population and wealth.
Global financial markets are digesting latest Euro-zone crisis (Cyprus) where bank depositors are being forced to take losses. Pre-crisis global financial markets had been on a strong rally, especially against the background of still sluggish economic performance in the…
Farming is in Michael Schembri’s blood – after a short break from the land, he and his family are pulling together to build their investment in a New South Wales poultry farm. Here he talks about the challenges they face and their commitment to ongoing growth.
Skills shortages and an ageing population are affecting rural communities across Australia, highlighting the need to attract more young people to agribusiness. So what traits must young people have to carve a successful career in farming or agricultural services?
Post‐farmgate agribusiness conditions lifted in the December quarter to be moderately positive after three consecutive quarters of decline. Customer demand, availability of suitable labour, government policy and regulation to act as constraints. Medium‐term expectations improved…
Self managed super funds (SMSFs) have a number of benefits for farmers including control, flexibility and concessional tax treatment, but they’re not for everyone. Bill Adams, NAB’s National Manager of Agribusiness Wealth, discusses the pros and cons of SMSFs.
A year on from the establishment of the Personal Property Securities Register (PPSR), NAB Agribusiness is foreseeing a time when the system may assist more people to get into farming. NAB Agribusiness Head of Southern and Western Australia, Neil Findlay explains.
From the brink of breaching environmental standards to a leading diversified food and agribusiness company – CEO David Lock talks about transforming the Craig Mostyn Group, securing a supply chain and tapping into consumer preferences.
Global and domestic financial markets have continued to improve as confidence in the global economic outlook firms. Strong underlying fundamentals of the US economy and signs of recovery in China have encouraged a more bullish market outlook. Commodity markets are less buoyant.
Australia’s fastest-growing supermarket milk brand, A2 Milk™ turned an obscure milk protein into a profitable point of difference. CEO of A2 Dairy Products Australia, Peter Nathan, explains how and discusses the growing export market.
This month in Agribusiness View, we have an in-depth talk with food producer Maggie Beer, hear about Asia’s growing demand for milk and dairy products, and learn how grain growers can manage their risk. We also give you a new view on women in the agricultural industry.
A family concern started in the early 19th century is now Australia’s largest onion and walnut grower. Webster features on the February pages of the NAB Agribusiness calendar and, here, CEO Leigh Titmus talks about their sustainable success.
Grain growers who have done their homework will usually get opportunities through the year to lock in price spikes above $300 per tonne and hopefully healthy margins. NAB’s Director of Commodities, Business Markets believes preparation is the key aspect of managing risk for grain growers
Financial and commodity markets have generally strengthened recently, following the last minute agreement to hold off the US fiscal cliff. Signs of strengthening in China’s manufacturing sector has also provided some confidence about the outlook for global growth.
Beyond the cook’s toque, NAB Agribusiness customer Maggie Beer wears many hats − farmer, gourmet food producer and sometime television presenter. But her least celebrated role may be her greatest achievement given the challenges of her industry - businesswoman.
Speaking at International Dairy Week in Tatura, Victoria, Grant Healy of NAB Asia said the growing demand for Australian agricultural produce in Asia represents a sustainable opportunity for Australian dairy producers and processors.
The New Year is a time to reflect and review – and that goes as much for your business as any other aspect of your life. That’s why NAB is encouraging farmers and those beyond the farm gate to spend some time now planning for 2013.
This month in Agribusiness View, we’ve taken a closer look at the critical issue of succession planning, the changing role of women in farming and the need to provide young people with the skills and encouragement they need to forge a successful career in the sector.
The Australian economy appears to have stumbled into the December quarter. For agricultural commodities, markets have been fairly mixed over the past month. Grains prices have softened a little on expected demand rationing while sugar and cotton remain subdued.
The role of women in agriculture has changed dramatically over the years, and with more women pursuing a career in rural industries, the future looks bright. Agribusiness View talks to Growcom’s ‘Women in Horticulture’ coordinator, Jane Muller.
A major survey conducted by NAB Agribusiness found that farmers approaching retirement are far less certain about how and when they’ll transition out of the business compared to younger farmers. Read on for more survey findings
Where many farming families trip up is that they have no succession plan in place. Help keep your farm’s future secure by rolling out a succession plan now, cautions NAB’s Agribusiness Wealth National Manager, Bill Adams. He explains the process.
The post farm gate agribusiness conditions index posted a decent turnaround following a very weak June quarter. Driving the result was an increase across the three key components that make up the index, with the sharpest turnaround being trading conditions.
Australian farmers are experiencing price volatility, so how can hedging help them take advantage of boosted demand for Australian exports following the US drought? NAB’s Head of Agribusiness for Business Markets, Rod Fraser, explains.
China’s strong import program is one of several global factors colliding to underpin wheat prices through the end of the year and into 2013, according to the latest Rural Commodities Wrap, which this month focuses on wheat. NAB estimates the crop will come in at 20.6 million tonnes
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Global growth weighed down by weakness in big developed economies, emerging markets also slowing Australian farm sector mixed but likely to benefit from US drought, which could add around $6 billion in export incomes to the […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month.
NAB’s Quarterly Agribusiness Survey covers economic and business conditions in Australia’s post farm gate agribusiness sector. Post farm gate business conditions weaken through June. Post farm gate agribusiness conditions decline further in June, due mostly to a large fall in customer confidence Medium term expectations continue to wind back, pulling capex expectations along with them […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Global agricultural commodity prices come under pressure as European concerns sees heightened financial market volatility Australian poultry industry on firm footing, buoyed by rising productivity and solid growth in per capita consumption Decline in domestic pig meat […]
From grants to farming apps, read our review on what’s happening in the agribusiness sector.
TNB TULIPS, in Victoria’s Monbulk, explains how rolling out an innovative automation system has helped its business bloom.
Which agribusiness sectors in Australia are well placed to trade with India? Read our India overview.
We profile Robert Radford from Radfords – a Gippsland family-run meat processing company with an annual turnover of $30 million.
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Global agricultural commodity prices under pressure from resumption of ‘risk-off’ attitude pervading financial markets Australian wheat crop of 26.1 million tonnes predicted on good subsoil moisture, but acreage lost to canola Wheat prices […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month.
NAB’s Quarterly Agribusiness Survey covers economic and business conditions in Australia’s post farm gate agribusiness sector. Post farm gate business conditions pull back in early 2012 Post farm gate business conditions fall on lower product prices, availability of materials and labour, falling export sales Medium term expectations pull back as recent results see sector become […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Agricultural commodity prices easing further on increased production, AUD impact on livestock markets Sluggish global consumption growth, increased competition from South America and South Africa impacting Australian wine exports Domestically, Australian wines under increasing pressure from rising import […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Agricultural commodities hit record levels in 2011, to ease in 2012 on massive production response. But considerable risk remains based on weather and Euro-zone debt crisis. Prices for agricultural commodities managed to pick up significantly in 2011, […]
What’s the key to long-term business growth? Warrnambool Cheese and Butter Factory explain how they’ve adapted to keep going strong for over 120 years.
NAB's Quarterly Agribusiness Survey covers economic and business conditions in Australia’s post farm gate agribusiness sector.
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Agricultural commodities weakening on Euro sovereign debt crisis, rising production prospects Wool prices hit by weakening demand prospects, but still relatively high Australian wool production to rise 3.1 per cent in 2011-12 but exports to remain […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month.
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month
In the world of agribusiness, coping with adversity is often part of the job. However, when a serious accident or illness strikes, both the farm and family security are at risk unless steps have been taken to protect income and assets. “Because most farm businesses rely on family members to keep the productive unit running, […]
NAB’s Quarterly Agribusiness Survey covers economic and business conditions in Australia’s post farm gate agribusiness sector. Post farm gate conditions improve after plunging through 2011 Post farm gate business conditions improve but still remain weak High commodity prices and weak customer demand continue to squeeze post farm gate agribusiness sales margins Capacity utilisation collapses in […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. • Commodity prices weaken on risk-off attitude hitting global markets, but fundamentals still point to solid prices for agricultural commodities • Sugar prices set to weaken as solid crops in India, EU and Russia come online […]
The NAB Rural Commodities Wrap focuses on some of the key economic activity that occurred in the Agribusiness sector during the month. Australian wheat crop downgraded to 21.8 million on dryness in northern NSW, Queensland Beef prices to fall in near term on weakness in Japan, US and high AUD but recover in medium term on tight global […]
Increasingly, Australian agribusinesses are competing with supply from South America and Africa to feed Asia and the northern hemisphere. NAB’s 2010 Agribusiness Leader of the Year, Alan Winney, explains how to profit from this trend.
Self-managed superannuation can help you build personal wealth away from the farm. But you need to be aware of the rules.
Investing in assets away from your agribusiness can be a worthwhile strategy for diversifying risk. We outline some pointers to consider when diversifying off-farm to help reduce exposure to factors such as weather cycles and commodity price fluctuations.
China, the food bowl of Asia and the world’s fastest-growing economy, offers valuable trade opportunities for our beef and dairy sectors. We outline some of those opportunities, from westernisation of the Chinese palate to animal husbandry.
Keeping up to date with technological advances can produce significant efficiency benefits for Australia’s agribusiness sector. From knowing when to update equipment to staying abreast of computerised farming techniques, technology management’s integral to an agribusiness plan.
Working with a partner can take your agribusiness brand to the next level. Using Certified Australian Angus Beef as a case study, we highlight how entering into a brand partnership can sharpen competitive edge.
Managing a cash squeeze is a challenge for many agribusinesses, especially when faced with unforeseen circumstances, such as natural disasters, injury or even a fleet of late payers. Read our five-point strategy for healthy cash flow management.
Good cash flow management is critical to business success. While at times it may prove difficult to manage, it’s important to recognise there are different levers that agribusinesses can consider to help improve their payment systems and free up more cash. Glenn Cox, Senior Agribusiness Manager at the Griffith Agribusiness Centre, suggests businesses consider the […]
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