The more we look … the more we see what really matters Annual Review 2014




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Group performance

2014 Group financial performance29


Results $m

2014

201330

Net interest income

13,775

13,407

Other operating income

5,104

5,125

IoRE

34

31

Net operating income

18,913

18,563

Operating expenses

(10,180)

(8,410)

Charge to provide for bad and doubtful debts

(877)

(1,934)

Cash earnings before tax and distributions

7,856

8,219

Income tax expense

(2,492)

(2,284)

Cash earnings before distributions

5,364

5,935

Distributions

(180)

(188)

Cash earnings ('Cash Basis')

5,184

5,747

Reconciliation of Cash Earnings to statutory net profit 31

2014

201330

Non-cash earnings items (after tax):







Distributions

180

188

Treasury shares

(43)

(413)

Fair value and hedge ineffectiveness

83

(151)

DAC discount rate variation

(20)

22

Litigation expense/recovery

-

39

Amortisation of acquired intangible assets

(89)

(77)

Net profit attributable to owners of the Company ('Statutory Basis')

5,295

5,355




Key indicators

2014

201330

Statutory earnings per share (cents) – basic

222.1

225.9

Statutory earnings per share (cents) – diluted

218.3

224.0

Cash earnings per share (cents) – basic

219.7

244.9

Cash earnings per share (cents) – diluted

216.0

242.7

Statutory return on equity

12.1%

13.0%

Cash return on equity (RoE)

11.8%

14.1%




Profitability, performance and efficiency measures

2014

201330

Dividend per share (cents)

198

190

Dividend payout ratio

90.1%

77.6%

Cash earnings on average assets

0.60%

0.72%

Banking cost to income (CTI) ratio

53.0%

43.7%

Net interest margin

1.94%

2.03%




Capital

2014

201330

Common Equity Tier 1 ratio

8.63%

8.43%

Tier 1 ratio

10.81%

10.35%

Total capital ratio

12.16%

11.80%




Asset quality

2014

201330

90+ days past due and gross impaired assets to gross loans and acceptances

1.19%

1.69%

Collective provision to credit risk-weighted assets32

0.83%

0.94%

2014 Group non-financial performance33





2014

2013

2012

Personal banking customer satisfaction (Australia)34

82.1%

81.7%

82.6%

Microbusiness customer satisfaction (Australia)35

7.0

7.0

7.0

Small business customer satisfaction (Australia)35

7.1

7.1

7.2

Medium business customer satisfaction (Australia) 35

7.2

7.3

7.3

Large business customer satisfaction (Australia) 35

7.3

7.4

7.4

Institutional ($500m+) Relationship survey (Australia)36

47

47

48

% change in customer complaints (Australia)37

+25%

+3%

-25%

Number of microfinance loans written (Australia)38

25,612

23,882

23,367

Value of microfinance loans written ($m) (Australia)

33,917

31,940

28,700

Cumulative number of low income Australians assisted with microfinance products / services (Mission 1 million) (Australia)39

335,794

265,172

204,939

Number of customers assisted experiencing financial hardship (Australia)

15,033

13,029

N/A

Number of stores and business banking centres40

1,771

1,819

1,880

Number of ATMs

4,578

4,613

4,817

% of customers that are active users of internet banking (Australia)41

50%

52%

N/A

Total number of full-time equivalent employees (spot)

42,853

42,164

43,336

NAB Group employee engagement score (Right Management)42

42%

N/A

N/A

% of women in total workforce

57%

57%

58%

% of women in executive management43

30%

30%

30%

% of women on NAB Group Subsidiary Boards

32%

31%

26%

% of employees 50 years of age or over44

19%

18%

17%

Return to work rate for employees following primary carer’s leave (Australia)45

87%

80%

82%

Total turnover rate46

13%

15%

14%

Voluntary turnover rate47

10%

11%

10%

Retention of high performing employees (Australia)48

95%

95%

N/A

Community investment ($m)

67.6

66.5

55.7

Value of NAB's Workplace Giving Program
(incl matched component) (Australia) ($)

2,068,349

1,955,979

1,703,236

Cumulative number of volunteer hours
(Mission 1 million) (Australia)49

922,001

764,816

622,603

Cumulative value of volunteer hours (Mission 1 million) ($m) (Australia)50

43.5

35.2

27.8

% of material suppliers that are signatories to NAB Group
Supplier Sustainability Principles51

32%

N/A

N/A
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