National Australia Bank Ltd. (NAB) 2002年年度报告「ASX」.pdf

1、Annual Financial Report 2002National Australia Bank LimitedABN 12 004 044 937This Annual Financial Report 2002 is lodgedwith the Australian Securities and InvestmentsCommission and Australian Stock ExchangeLimited.It is also filed with the United StatesSecurities and Exchange Commission as anannual

2、report on Form 20-F.Nothing in this Annual Financial Report 2002is,or should be taken as,an offer of securitiesin National 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 unles

3、s otherwise stated.Table of contents1Presentation of information25 Profit from ordinary activities before incomeFinancial highlights3 tax expense90Selected financial data46 Income tax expense94Business overview77 Dividends and distributions94Introduction78 Earnings per share95Strategy79 Cash assets9

4、6Business operating model710 Due from other financial institutions96Introduction to Financial Services811 Due from customers on acceptances96Financial Services Australia812 Trading securities97Financial Services Europe913 Available for sale securities97Financial Services New Zealand1014 Investment s

5、ecurities99Wholesale Financial Services1015 Investments relating to life insurance business103Wealth Management1116 Loans and advances103Other1117 Provisions for doubtful debts106Competition1218 Asset quality disclosures108Regulation of the financial services system1319 Mortgage servicing rights111

6、Changing regulatory environment1320 Shares in entities and other securities111European Economic and Monetary Union1421 Regulatory deposits111Organisational structure1422 Property,plant and equipment112Description of property1423 Income tax assets113Certain legal proceedings1424 Goodwill114Financial