National Australia Bank Ltd Income Statement Analysis

ASX:NAB

Financials • Diversified Banks

Bank Income Statement

Comprehensive analysis of National Australia Bank Ltd's interest income, provisions & profitability

Items	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Interest Income
Total Interest Income	27.6B	27.4B	28.5B	29.2B	23.1B	18.0B	22.4B	48.1B	58.3B	56.8B
Total Interest Expense	(14.7B)	(14.2B)	(15.0B)	(15.6B)	(9.2B)	(4.2B)	(7.5B)	(31.3B)	(41.5B)	(39.4B)
Net Interest Income	12.9B	13.2B	13.5B	13.6B	13.9B	13.8B	14.8B	16.8B	16.8B	17.4B
Credit Provisions
Provision for Loan Losses	(813M)	(824M)	(791M)	(927M)	(2.8B)	(202M)	(124M)	(816M)	(741M)	(833M)
Net Interest Income After Provisions	12.1B	12.4B	12.7B	12.6B	11.1B	-	14.7B	16.0B	16.0B	16.6B
Non-Interest Income/Expense
Total Non-Interest Income	5.2B	4.8B	5.6B	4.4B	3.3B	2.9B	3.7B	3.8B	3.9B	3.5B
Total Non-Interest Expense	(8.3B)	(8.5B)	(9.9B)	(9.8B)	(9.2B)	(7.9B)	(8.7B)	(9.4B)	(10.0B)	(10.3B)
Income
Income Before Taxes	9.0B	8.7B	8.4B	7.2B	5.2B	9.1B	9.7B	10.5B	9.9B	9.7B
Income Tax	(2.6B)	(3.4B)	(2.5B)	(2.1B)	(1.7B)	(2.6B)	(2.7B)	(3.0B)	(2.8B)	(2.9B)
Net Income	352M	5.3B	5.6B	4.8B	2.6B	6.4B	6.9B	7.4B	7.0B	6.8B
Per Share Data
Basic EPS	0.088	1.947	2.013	1.686	0.821	1.93	2.141	2.364	2.246	2.21
Diluted EPS	0.155	1.891	1.94	1.644	0.805	1.852	2.056	2.287	2.227	2.199
Shares Outstanding (in millions)
Basic Shares	2.6B	2.7B	2.7B	2.8B	3.1B	3.3B	3.2B	3.1B	3.1B	3.1B
Diluted Shares	2.8B	2.9B	2.9B	3.0B	3.3B	3.5B	3.5B	3.4B	3.3B	3.1B

Note: Fiscal year ends in September. All amounts are in AUD millions except per share data. Negative values are shown in parentheses and colored red. EPS values are shown to 3 decimal places, share counts are simplified (M = millions, B = billions).