National Australia Bank Limited (NAUBF)

National Australia Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	52,012	52,012	46,358	21,465	17,148	20,921
Interest Income on Investments	6,285	6,285	1,714	913	886	2,190
Total Interest Income	58,297	58,297	48,072	22,378	18,034	23,111
Interest Paid on Deposits	41,540	41,540	31,265	7,538	4,241	9,234
Net Interest Income	16,757	16,757	16,807	14,840	13,793	13,877
Net Interest Income Growth (YoY)	-0.30%	-0.30%	13.25%	7.59%	-0.61%	2.38%
Trust Income	121	121	149	-	-	101
Income From Trading Activities	2,097	2,097	1,141	-	-	1,279
Gain (Loss) on Sale of Assets	-	-	-	197	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-	-214
Gain (Loss) on Sale of Equity Investments	-	-	25	-	-	-
Other Non-Interest Income	1,671	1,671	2,526	3,533	2,936	1,879
Total Non-Interest Income	3,889	3,889	3,841	3,730	2,936	3,045
Non-Interest Income Growth (YoY)	1.25%	1.25%	2.98%	27.04%	-3.58%	-23.49%
Revenues Before Loan Losses	20,646	20,646	20,648	18,570	16,729	16,922
Provision for Loan Losses	741	741	816	124	-202	2,752
Revenue	19,905	19,905	19,832	18,446	16,931	14,170
Revenue Growth (YoY)	0.37%	0.37%	7.51%	8.95%	19.48%	-14.68%
Salaries and Employee Benefits	5,270	5,270	4,934	4,460	3,987	4,139
Occupancy Expenses	591	591	597	722	762	829
Amortization of Goodwill & Intangibles	724	724	620	535	417	313
Selling, General & Administrative	2,678	2,678	2,542	2,307	1,959	2,117
Other Non-Interest Expense	159	159	121	151	132	300
Total Non-Interest Expense	10,018	10,018	9,371	8,692	7,847	7,912
EBT Excluding Unusual Items	9,887	9,887	10,461	9,754	9,084	6,258
Asset Writedown	-8	-8	-11	-10	-16	-1,095
Pretax Income	9,879	9,879	10,450	9,744	9,068	5,163
Income Tax Expense	2,798	2,798	2,980	2,684	2,597	1,665
Earnings From Continuing Operations	7,081	7,081	7,470	7,060	6,471	3,498
Earnings From Discontinued Operations	-103	-103	-51	-169	-104	-935
Minority Interest in Earnings	-18	-18	-5	-	-3	-4
Net Income	6,960	6,960	7,414	6,891	6,364	2,559
Preferred Dividends & Other Adjustments	-	-	-	-	13	39
Net Income to Common	6,960	6,960	7,414	6,891	6,351	2,520
Net Income Growth	-6.12%	-6.12%	7.59%	8.28%	148.69%	-46.67%
Basic Shares Outstanding	3,099	3,099	3,136	3,219	3,290	3,068
Diluted Shares Outstanding	3,293	3,293	3,404	3,465	3,540	3,333
Shares Change (YoY)	-3.26%	-3.26%	-1.76%	-2.12%	6.21%	10.22%
EPS (Basic)	2.25	2.25	2.36	2.14	1.93	0.82
EPS (Diluted)	2.23	2.23	2.29	2.06	1.85	0.80
EPS Growth	-2.62%	-2.62%	11.25%	11.03%	130.08%	-51.04%
Dividend Per Share	1.690	1.690	1.670	1.510	1.270	0.600
Dividend Growth	1.20%	1.20%	10.60%	18.90%	111.67%	-63.86%
Effective Tax Rate	28.32%	28.32%	28.52%	27.55%	28.64%	32.25%

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