1、Annual Financial Report2015National Australia Bank Limited ABN 12 004 044 937This 2015 Annual Financial Report(Report)is lodged with the Australian Securities and Investments Commission and ASX Limited.National Australia Bank Limited(NAB)is publicly listed in Australia.The Report contains informatio
2、n 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.NAB deregistered from the United States Securities and Exchange Commission(SEC)effective 20 September 2007.Accordingly,NAB i
3、s not required to include SEC-related disclosures in the Report for either the current or comparative financial years.NAB no longer produces a concise report under section 314(2)of the Corporations Act 2001(Cth),and instead compiles a non-statutory Annual Review which can be viewed online at view th
4、e Report online,visit 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 securities in NAB for issue or sale,or an invitation to apply
5、for the purchase of such securities.All figures in the Report are in Australian dollars unless otherwise stated.2015 Annual Financial Report 1Table of ContentsReport of the Directors2Operating and financial review2Directors information20Other matters26Auditors independence declaration30Remuneration
6、report(1)31Corporate governance55Diversity and inclusion65Financial Report67Income statements69Statements of comprehensive income70Balance sheets71Cash flow statements72Statements of changes in equity74Notes to the financial statements76Directors declaration183Independent auditors report184Sharehold