National Australia Bank Limited

The principal activities of the Group during the year were banking services, credit and access card facilities, leasing, housing and general finance, international banking, investment banking, wealth management services, funds management and custodian, trustee and nominee services.

Australia Stock Exchange: NAB

Profit or Loss

($) 30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Revenue 18,034,000,000 23,111,000,000 29,203,000,000 28,543,000,000 27,403,000,000 27,629,000,000 30,419,000,000 30,778,000,000 31,311,000,000 34,542,000,000
Cost of Goods Sold -4,241,000,000 -9,234,000,000 -15,645,000,000 -15,038,000,000 -14,221,000,000 -14,699,000,000 -16,437,000,000 -17,039,000,000 -17,960,000,000 -21,300,000,000
Gross Profit 13,793,000,000 13,877,000,000 13,558,000,000 13,505,000,000 13,182,000,000 12,930,000,000 13,982,000,000 13,739,000,000 13,351,000,000 13,242,000,000
Operating Costs -4,927,000,000 -5,962,000,000 -5,454,000,000 -4,314,000,000 -3,697,000,000 -3,139,000,000 -4,058,000,000 -4,929,000,000 -3,340,000,000 -4,349,000,000
Operating Profit 8,866,000,000 7,915,000,000 8,104,000,000 9,191,000,000 9,485,000,000 9,791,000,000 9,924,000,000 8,810,000,000 10,011,000,000 8,893,000,000
Financing Costs 202,000,000 -2,752,000,000 -927,000,000 -791,000,000 -824,000,000 -813,000,000 -844,000,000 -855,000,000 -1,810,000,000 -2,734,000,000
Profit Before Tax 9,068,000,000 5,163,000,000 7,177,000,000 8,400,000,000 8,661,000,000 8,978,000,000 9,080,000,000 7,955,000,000 8,201,000,000 6,159,000,000
Income Tax -2,597,000,000 -1,665,000,000 -2,087,000,000 -2,455,000,000 -2,480,000,000 -2,553,000,000 -2,717,000,000 -2,657,000,000 -2,741,000,000 -2,076,000,000
Profit 6,471,000,000 3,498,000,000 5,090,000,000 5,945,000,000 6,181,000,000 6,425,000,000 6,363,000,000 5,298,000,000 5,460,000,000 4,083,000,000

Balance Sheet

($) 30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Current Assets 925,968,000,000 866,565,000,000 847,124,000,000 806,510,000,000 788,325,000,000 777,622,000,000 955,052,000,000 883,301,000,000 808,427,000,000 763,090,000,000
Non-Current Assets 0 0 0 0 0 0 0 0 0 0
Total Assets 925,968,000,000 866,565,000,000 847,124,000,000 806,510,000,000 788,325,000,000 777,622,000,000 955,052,000,000 883,301,000,000 808,427,000,000 763,090,000,000
Current Liabilities 863,189,000,000 805,272,000,000 791,520,000,000 753,798,000,000 737,008,000,000 726,307,000,000 899,539,000,000 835,393,000,000 761,807,000,000 719,287,000,000
Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0
Total Liabilities 863,189,000,000 805,272,000,000 791,520,000,000 753,798,000,000 737,008,000,000 726,307,000,000 899,539,000,000 835,393,000,000 761,807,000,000 719,287,000,000
Total Equity 62,779,000,000 61,293,000,000 55,604,000,000 52,712,000,000 51,317,000,000 51,315,000,000 55,513,000,000 47,908,000,000 46,620,000,000 43,803,000,000

Cash Flow

($) 30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Cash Flow from Operating Activities 759,000,000 33,892,000,000 10,410,000,000 -9,196,000,000 13,217,000,000 16,195,000,000 -13,090,000,000 -7,235,000,000 1,164,000,000 -2,547,000,000
Cash Flow from Investing Activities -3,694,000,000 -702,000,000 2,613,000,000 -954,000,000 -313,000,000 -9,970,000,000 -1,830,000,000 -7,042,000,000 -2,739,000,000 -6,407,000,000
Cash Flow from Financing Activities -22,045,000,000 -16,820,000,000 -5,771,000,000 4,926,000,000 -331,000,000 7,761,000,000 1,326,000,000 550,000,000 -1,322,000,000 10,114,000,000
Net Change in Cash -24,980,000,000 16,370,000,000 7,252,000,000 -5,224,000,000 12,573,000,000 13,986,000,000 -13,594,000,000 -13,727,000,000 -2,897,000,000 1,160,000,000
Cash at Beginning 62,041,000,000 47,026,000,000 37,946,000,000 39,800,000,000 27,960,000,000 20,528,000,000 26,517,000,000 37,341,000,000 36,212,000,000 36,006,000,000
Exchange Fluctuations 820,000,000 -1,355,000,000 1,828,000,000 3,370,000,000 -733,000,000 -6,554,000,000 7,605,000,000 2,903,000,000 4,026,000,000 -954,000,000
Cash at End of Period 37,881,000,000 62,041,000,000 47,026,000,000 37,946,000,000 39,800,000,000 27,960,000,000 20,528,000,000 26,517,000,000 37,341,000,000 36,212,000,000

Profitability

  30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Gross Margin 76.5% 60.0% 46.4% 47.3% 48.1% 46.8% 46.0% 44.6% 42.6% 38.3%
Operating Margin 49.2% 34.2% 27.8% 32.2% 34.6% 35.4% 32.6% 28.6% 32.0% 25.7%
Profit Margin 35.9% 15.1% 17.4% 20.8% 22.6% 23.3% 20.9% 17.2% 17.4% 11.8%

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Management Effectiveness

  30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Return on Assets 0.7% 0.4% 0.6% 0.7% 0.8% 0.8% 0.7% 0.6% 0.7% 0.5%
Return on Equity 10.3% 5.7% 9.2% 11.3% 12.0% 12.5% 11.5% 11.1% 11.7% 9.3%
Current Ratio 1.07 1.08 1.07 1.07 1.07 1.07 1.06 1.06 1.06 1.06
Debt to Equity Ratio 13.75 13.14 14.23 14.30 14.36 14.15 16.20 17.44 16.34 16.42

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Valuation

  30 Sep 2021 30 Sep 2020 30 Sep 2019 30 Sep 2018 30 Sep 2017 30 Sep 2016 30 Sep 2015 30 Sep 2014 30 Sep 2013 30 Sep 2012
Share Price ($) 27.83 17.75 29.70 27.81 31.50 27.87 28.93 30.95 32.65 24.25
Shares on Issue 3,281,993,753 3,290,093,389 2,883,018,637 2,734,120,760 2,685,470,150 2,656,982,762 2,625,755,275 2,365,795,293 2,348,903,274 2,297,246,954
Market Capitalisation ($) 91,337,886,146 58,399,157,655 85,625,653,519 76,035,898,336 84,592,309,725 74,050,109,577 75,963,100,106 73,221,364,318 76,691,691,896 55,708,238,635
Revenue per Share ($) 5.49 7.02 10.13 10.44 10.20 10.40 11.58 13.01 13.33 15.04
Earnings per Share ($) 1.97 1.06 1.77 2.17 2.30 2.42 2.42 2.24 2.32 1.78
Dividend per Share ($) 0.82 0.71 1.13 1.54 1.77 1.73 1.38 1.68 1.49 1.19
Dividend Yield 2.9% 4.0% 3.8% 5.6% 5.6% 6.2% 4.8% 5.4% 4.6% 4.9%
Price to Sales Ratio 5.1 2.5 2.9 2.7 3.1 2.7 2.5 2.4 2.4 1.6
Price to Earnings Ratio 14.1 16.7 16.8 12.8 13.7 11.5 11.9 13.8 14.0 13.6
Price to Book Ratio 1.5 1.0 1.5 1.4 1.6 1.4 1.4 1.5 1.6 1.3

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