Annual Review 2015




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Business unit performance70 71


$m

(figures are in Australian dollars,
unless otherwise stated)


Australian Banking72 2015

Australian Banking72 2014

NZ Banking 2015

NZ Banking 2014

Net interest income

10,727

10,277

1,504

1,382

Other operating income

2,681

2,640

434

449

IoRE









Net operating income

13,408

12,917

1,938

1,831

Operating expenses

(5,558)

(5,267)

(766)

(737)

Underlying profit

7,850

7,650

1,172

1,094

Charge to provide for bad and doubtful debts

(665)

(741)

(124)

(80)

Cash earnings before tax

7,185

6,909

1,048

1,014

Income tax expense

(2,074)

(1,962)

(286)

(276)

Cash earnings

5,111

4,947

762

738




Key indicators

Australian Banking72 2015

Australian Banking72 2014

NZ Banking 2015

NZ Banking 2014

Net interest margin

1.58%

1.61%

2.39%

2.34%

Cash earnings on average assets

0.68%

0.72%

1.20%

1.24%

Cost to income ratio

41.5%

40.8%

39.5%

40.2%




$m

(figures are in Australian dollars,
unless otherwise stated)


NAB Wealth 2015

NAB Wealth 2014

UK Banking 2015

UK Banking 2014

Net interest income





1,501

1,367

Other operating income

1,567

1,406

374

376

IoRE

19

34





Net operating income

1,586

1,440

1,875

1,743

Operating expenses

(941)

(950)

(1,437)

(1,233)

Underlying profit

645

490

438

510

Charge to provide for bad and doubtful debts





(75)

(145)

Cash earnings before tax

645

490

363

365

Income tax expense

(181)

(125)

(56)

(81)

Cash earnings

464

365

307

284




Key indicators

NAB Wealth 2015

NAB Wealth 2014

UK Banking 2015

UK Banking 2014

Net interest margin

N/A

N/A

2.13%

2.22%

Cash earnings on average assets

N/A

N/A

0.40%

0.43%

Cost to income ratio

59.3%

66.0%

76.7%

70.8%




$m

(figures are in Australian dollars,
unless otherwise stated)


Corporate Functions & Other73 2015

Corporate Functions & Other73 2014

Net interest income

285

425

Other operating income

271

224

IoRE





Net operating income

556

649

Operating expenses

(1,262)

(1,859)

Underlying loss

(706)

(1,210)

Writeback of bad and doubtful debts

41

97

Cash deficit before tax

(665)

(1,113)

Income tax benefit

35

14

Cash deficit

(630)

(1,099)




Key indicators

Corporate Functions & Other73 2015

Corporate Functions & Other73 2014

Net interest margin

N/A

N/A

Cash earnings on average assets

N/A

N/A

Cost to income ratio

N/A

N/A


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