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




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Business unit performance

Financial52 and non-financial


$m

(figures are in Australian dollars,
except otherwise indicated)


Australian Banking 2014

Australian Banking 201353

NAB Wealth 2014

NAB Wealth 201353

Net interest income

10,277

10,096

-

-

Other operating income

2,640

3,001

1,406

1,339

IoRE

-

-

34

31

Net operating income

12,917

13,097

1,440

1,370

Operating expenses

(5,267)

(5,080)

(950)

(949)

Charge to provide for bad and doubtful debts

(741)

(1,114)

-

-

Income tax expense

(1,962)

(1,961)

(125)

(99)

Cash earnings

4,947

4,942

365

322

Net interest margin

1.61%

1.68%

N/A

N/A

Cash earnings on average assets

0.72%

0.77%

N/A

N/A

Cost to income ratio

40.8%

38.8%

66.0%

69.3%

Cash earnings per average FTE ($'000s)

204

205

75

63

FTEs (spot)

24,391

23,793

4,840

4,960




$m

(figures are in Australian dollars,
except otherwise indicated)


NZ Banking 2014

NZ Banking 201353

UK Banking 2014

UK Banking 201353

Net interest income

1,382

1,207

1,367

1,177

Other operating income

449

411

376

368

Net operating income

1,831

1,618

1,743

1,545

Operating expenses

(737)

(651)

(1,233)

(1,130)

Charge to provide for bad and doubtful debts

(80)

(81)

(145)

(247)

Income tax expense

(276)

(237)

(81)

(44)

Cash earnings

738

649

284

124

Net interest margin

2.34%

2.36%

2.22%

2.12%

Cash earnings on average assets

1.24%

1.27%

0.43%

0.21%

Cost to income ratio

40.2%

40.3%

70.8%

73.1%

Cash earnings per average FTE ('000s)

NZD 171

NZD 171

GBP 22

GBP 11

FTEs (spot)

4,718

4,671

7,278

7,013




$m

(figures are in Australian dollars,
except otherwise indicated)


NAB UK CRE 2014

NAB UK CRE 201353

Corporate Functions & Other54 2014

Corporate Functions & Other54 201353

Net interest income

37

61

712

866

Other operating income

31

(17)

261

124

Net operating income

68

44

973

990

Operating expenses

(57)

(56)

(1,995)

(645)

(Charge to provide for) /write-back of bad and doubtful debts

43

(477)

46

(15)

Income tax benefit/(expense)

(12)

114

(36)

(57)

Cash (deficit)/earnings

42

(375)

(1,012)

273

FTEs (spot)

183

220

1,443

1,507



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