National Australia Bank Limited (FRA:NAL)

National Australia Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	49,870	52,012	46,358	21,465	17,148
Interest Income on Investments	6,909	6,285	1,714	913	886
Total Interest Income	56,779	58,297	48,072	22,378	18,034
Interest Paid on Deposits	39,376	41,540	31,265	7,538	4,241
Net Interest Income	17,403	16,757	16,807	14,840	13,793
Net Interest Income Growth (YoY)	3.85%	-0.30%	13.26%	7.59%	-0.60%
Trust Income	111	128	149	-	-
Income From Trading Activities	1,125	2,097	1,141	-	-
Gain (Loss) on Sale of Assets	-	-	-	197	-
Gain (Loss) on Sale of Equity Investments	29	-	25	-	-
Other Non-Interest Income	2,204	1,650	2,526	3,533	2,936
Total Non-Interest Income	3,469	3,875	3,841	3,730	2,936
Non-Interest Income Growth (YoY)	-10.48%	0.89%	2.98%	27.04%	-3.58%
Revenues Before Loan Losses	20,872	20,632	20,648	18,570	16,729
Provision for Loan Losses	833	741	816	124	-202
Revenue	20,039	19,891	19,832	18,446	16,931
Revenue Growth (YoY)	0.74%	0.30%	7.51%	8.95%	19.48%
Salaries and Employee Benefits	5,473	5,270	4,934	4,460	3,987
Occupancy Expenses	603	591	597	722	762
Amortization of Goodwill & Intangibles	766	724	620	535	417
Selling, General & Administrative	2,747	2,687	2,542	2,307	1,959
Other Non-Interest Expense	124	136	121	151	132
Total Non-Interest Expense	10,338	10,004	9,371	8,692	7,847
EBT Excluding Unusual Items	9,701	9,887	10,461	9,754	9,084
Asset Writedown	-10	-8	-11	-10	-16
Pretax Income	9,691	9,879	10,450	9,744	9,068
Income Tax Expense	2,864	2,798	2,980	2,684	2,597
Earnings From Continuing Operations	6,827	7,081	7,470	7,060	6,471
Earnings From Discontinued Operations	-29	-103	-51	-169	-104
Minority Interest in Earnings	-39	-18	-5	-	-3
Net Income	6,759	6,960	7,414	6,891	6,364
Preferred Dividends & Other Adjustments	-	-	-	-	13
Net Income to Common	6,759	6,960	7,414	6,891	6,351
Net Income Growth	-2.89%	-6.12%	7.59%	8.28%	148.69%
Basic Shares Outstanding	3,059	3,099	3,136	3,219	3,290
Diluted Shares Outstanding	3,132	3,293	3,404	3,465	3,540
Shares Change (YoY)	-4.89%	-3.26%	-1.76%	-2.12%	6.21%
EPS (Basic)	2.21	2.25	2.36	2.14	1.93
EPS (Diluted)	2.20	2.23	2.29	2.06	1.85
EPS Growth	-1.25%	-2.62%	11.25%	11.03%	130.08%
Dividend Per Share	1.700	1.690	1.670	1.510	1.270
Dividend Growth	0.59%	1.20%	10.60%	18.90%	111.67%
Effective Tax Rate	29.55%	28.32%	28.52%	27.54%	28.64%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.