1、Annual Financial Report 2013National Australia Bank Limited ABN 12 004 044 937 This Annual Financial Report(Report)is lodged with the Australian Securities and Investments Commission and ASX Limited.National Australia Bank Limited(the Company)is publicly listed in Australia and overseas.The Report c
2、ontains information prepared on the basis of the Banking Act 1959(Cth),Corporations Act 2001(Cth)and Accounting Standards and Interpretations issued by the Australian Accounting Standards Board.The Group deregistered from the United States Securities and Exchange Commission(SEC)effective 20 Septembe
3、r 2007.Accordingly,the Company is not required to include SEC-related disclosures in the Report for either the current or comparative financial years.The Company no longer produces a concise report under section 314(2)of the Corporations Act 2001(Cth),and instead compiles a non-statutory Annual Revi
4、ew which can be viewed online at .To view the Report online,visit .Alternatively,to arrange for a copy to be sent to you free of charge,call Shareholder Services on 1300 367 647 from within Australia,or+61 3 9415 4299 from outside Australia.Nothing in the Report is,or should be taken as,an offer of
5、securities in the Company for issue or sale,or an invitation to apply for the purchase of such securities.All figures in the Report are in Australian dollars unless otherwise stated.2013 Annual Financial Report 1Table of ContentsContentsReport of the Directors3Operating and Financial Review3Director
6、s Information19Auditors Independence Declaration28Remuneration Report29Corporate Governance52Diversity62Financial Report65Directors Declaration175Independent auditors report to the members of the National Australia Bank Limited176Shareholder Information178Glossary1822 NATIONAL AUSTRALIA BANKTable of