National Australia Bank Limited (ASX: NAB)

National Australia Bank Income Statement

Financials in millions AUD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Mar 31, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019
Interest Income on Loans	51,364	46,358	21,465	17,148	20,921	26,500
Interest Income on Investments	3,884	1,714	913	886	2,190	2,694
Total Interest Income	55,248	48,072	22,378	18,034	23,111	29,194
Interest Paid on Deposits	38,518	31,265	7,538	4,241	9,234	15,639
Net Interest Income	16,730	16,807	14,840	13,793	13,877	13,555
Net Interest Income Growth (YoY)	3.02%	13.25%	7.59%	-0.61%	2.38%	0.37%
Trust Income	3	-	-	-	101	188
Income From Trading Activities	92	-	-	-	1,279	2,315
Gain (Loss) on Sale of Assets	-	-	197	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-214	-
Other Non-Interest Income	3,425	3,841	3,533	2,936	1,879	1,477
Total Non-Interest Income	3,520	3,841	3,730	2,936	3,045	3,980
Non-Interest Income Growth (YoY)	-8.05%	2.98%	27.04%	-3.58%	-23.49%	-28.88%
Revenues Before Loan Losses	20,250	20,648	18,570	16,729	16,922	17,535
Provision for Loan Losses	783	816	124	-202	2,752	927
Revenue	19,467	19,832	18,446	16,931	14,170	16,608
Revenue Growth (YoY)	-0.33%	7.51%	8.95%	19.48%	-14.68%	-9.30%
Salaries and Employee Benefits	5,063	4,934	4,460	3,987	4,139	4,018
Occupancy Expenses	759	751	722	762	829	808
Amortization of Goodwill & Intangibles	671	620	535	417	313	581
Selling, General & Administrative	2,410	2,386	2,307	1,959	2,117	1,989
Other Non-Interest Expense	123	121	151	132	300	359
Total Non-Interest Expense	9,612	9,369	8,692	7,847	7,912	7,755
EBT Excluding Unusual Items	9,855	10,463	9,754	9,084	6,258	8,853
Asset Writedown	-14	-13	-10	-16	-1,095	-508
Pretax Income	9,841	10,450	9,744	9,068	5,163	8,345
Income Tax Expense	2,800	2,980	2,684	2,597	1,665	2,440
Earnings From Continuing Operations	7,041	7,470	7,060	6,471	3,498	5,905
Earnings From Discontinued Operations	-86	-51	-169	-104	-935	-1,104
Minority Interest in Earnings	-14	-5	-	-3	-4	-3
Net Income	6,941	7,414	6,891	6,364	2,559	4,798
Preferred Dividends & Other Adjustments	-	-	-	13	39	83
Net Income to Common	6,941	7,414	6,891	6,351	2,520	4,715
Net Income Growth	-5.01%	7.59%	8.28%	148.69%	-46.67%	-13.61%
Basic Shares Outstanding	3,122	3,136	3,219	3,290	3,068	2,797
Diluted Shares Outstanding	3,385	3,404	3,465	3,540	3,333	3,024
Shares Change (YoY)	-1.27%	-1.76%	-2.12%	6.21%	10.22%	2.86%
EPS (Basic)	2.22	2.36	2.14	1.93	0.82	1.69
EPS (Diluted)	2.18	2.29	2.06	1.85	0.80	1.64
EPS Growth	-1.82%	11.25%	11.03%	130.08%	-51.04%	-15.29%
Dividend Per Share	1.680	1.670	1.510	1.270	0.600	1.660
Dividend Growth	4.35%	10.60%	18.90%	111.67%	-63.86%	-16.16%
Effective Tax Rate	28.45%	28.52%	27.55%	28.64%	32.25%	29.24%

Source: S&P Capital IQ. Banks template. Financial Sources.