National Australia Bank Ltd. (NAB) 2001年年度报告「ASX」.pdf

1、Table of contents1Financial performance2Financial report60Description of business3Statement of financial performance62Introduction3Statement of financial position63Vision and strategy3Statement of cash flows64Business operating model3Notes to the financial statements65Business and Personal Financial

2、 Services3Directors declaration165Specialist and Emerging Businesses5Auditors report166National Shared Services5Shareholder information167Wholesale Financial Services5Forward-looking statements183Wealth Management6Form 20-F cross reference index184HomeSide6Principal establishments185Corporate Centre

3、7Sale of Michigan National Corporation7Competition7Regulation of the financial services system7Privacy8Organisational structure8Description of property8Certain legal proceedings8Financial reviewOverview9Selected financial data12Net interest income15Other banking and financial services income18Mortga

4、ge servicing and origination revenue19Life insurance business19Personnel expenses21Occupancy expenses21General expenses21Significant operating expenses21Charge to provide for doubtful debts22Significant non-operating items23Net profit by segment24Assets and equity30Return on average equity30Sharehol

5、der value31Earnings and dividends per share32Liquidity and capital resources32Capital adequacy33Changes in financial condition35Total assets under management and administration35Gross loans and advances36Impaired assets,provisions and allowance for loan losses37Deposits and other borrowings40Risk ma

6、nagement41People and Culture45European Economic and Monetary Union46Risk factors46Goods and services tax47Accounting developments47Corporate governance statement48Report of the directors52NAB Full financials 11/11/01 5:06 PM Page 1Financial performance2Profitability Net profit after significant item