National Australia Bank Ltd. (NAB) 2003年年度报告「ASX」.pdf

1、Growth through excellent relationshipsAnnual Financial Report 2003National Australia Bank LimitedABN 12 004 044 937This annual financial report 2003 is lodged with the Australian Securities and InvestmentsCommission and Australian Stock ExchangeLimited.Nothing in this annual financial report 2003 is

2、,or should be taken as,an offer of securities inNational Australia Bank Limited for issue orsale,or an invitation to apply for the issue orfor the purchase of such securities.All figures in this document are in Australiandollars unless otherwise stated.Table of contents1Presentation of information2N

3、otes to the financial statements85Financial highlights31 Principal accounting policies85Selected financial data42 Supplementary statement of financial position94Business overview83 Segment information95Introduction84 Revenue from ordinary activities98Strategy85 Profit from ordinary activities before

4、 income tax expense99Business operating model86 Income tax expense103Introduction to Financial Services87 Dividends and distributions104Financial Services Australia98 Earnings per share105Financial Services Europe109 Cash assets105Financial Services New Zealand1110 Due from other financial instituti

5、ons106Corporate&Institutional Banking1111 Due from customers on acceptances106Wealth Management1212 Trading securities106Other1313 Available for sale securities107Competition1314 Investment securities109Regulation of the financial services system1415 Investments relating to life insurance business11

6、2 Changing regulatory environment1516 Loans and advances113Basel II Capital Accord1617 Provisions for doubtful debts115International Financial Reporting Standards1618 Asset quality disclosures119Australian tax consolidations regime1619 Mortgage servicing rights121Payment systems reform in Australia1