Supporters 2020-2021

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We gratefully thank the following organisations for their financial support of Australian Mutuals History Supporters 2020-2021 Australian Mutual Bank Bank Australia Ltd Bank First (Victoria Teachers Limited) Broken Hill Community Credit Union Ltd The Capricornian Community First Credit Union Limited Customer Owned Banking Association Dnister Ukrainian Credit Co-Operative Limited Family First Credit Union Limited Firefighters & Affiliates Credit Co-operative Ltd First Choice Credit Union Ltd G&C Mutual Bank Limited Gateway Bank Goulburn Murray Credit Union Co-Operative Limited Horizon Bank Laboratories Credit Union Limited Lysaght Credit Union Ltd Macarthur Credit Union Ltd Macquarie Credit Union Limited MOVE Bank (Railways Credit Union Limited) Orange Credit Union Limited People’s Choice Credit Union Q Bank (QPCU Limited) Regional Australia Bank South-West Credit Union Co-Operative Limited Teachers Mutual Bank Limited Unity Bank Limited Warwick Credit Union Woolworths Team Bank Previous Supporters Bank Australia Ltd Bank First (Victoria Teachers Limited) Beyond Bank Broken Hill Community Credit Union Ltd The Capricornian Central Coast Credit Union Ltd Coastline Credit Union Limited Community Alliance Credit Union Limited Community First Credit Union Limited CUA (Credit Union Australia Limited) CUSCAL Limited Customer Owned Banking Association Dnister Ukrainian Credit Co-operative Limited EECU Limited Endeavour Mutualbank Limited Family First Credit Union Limited First Choice Credit Union Ltd Ford Co-operative Credit Society Limited G&C Mutual Bank Limited Gateway Credit Union Ltd Goulburn Murray Credit Union Co-operative Ltd Horizon Credit Union Ltd Hunter United Employees' Credit Union Ltd Laboratories Credit Union Limited Lysaght Credit Union Ltd Macarthur Credit Union Ltd Macquarie Credit Union Limited MCU Ltd (Maleny Credit Union) MOVE (Railways Credit Union Limited) Orange Credit Union Limited People’s Choice Credit Union Q Bank (QPCU Limited) Queensland Country Credit Union Limited Regional Australia Bank South West Slopes Credit Union Ltd South West Credit Union Co-operative Limited Sydney Credit Union Ltd Teachers Mutual Bank Limited Traditional Credit Union Ltd Unity Bank Limited Warwick Credit Union Ltd Woolworths Employees' Credit Union Limited (WECU) .

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Annual Financial Report Contains Translations of Certain Australian Dollar Amounts Into US Dollars at Specified Rates
NAB Full financials 11/11/01 5:06 PM Page 1 Table of contents Financial performance 2 Financial report 60 Description of business 3 Statement of financial performance 62 Introduction 3 Statement of financial position 63 Vision and strategy 3 Statement of cash flows 64 Business operating model 3 Notes to the financial statements 65 Business and Personal Financial Services 3 Directors’ declaration 165 Specialist and Emerging Businesses 5 Auditors’ report 166 National Shared Services 5 Shareholder information 167 Wholesale Financial Services 5 Forward-looking statements 183 Wealth Management 6 Form 20-F cross reference index 184 HomeSide 6 Principal establishments 185 Corporate Centre 7 Sale of Michigan National Corporation 7 Competition 7 Regulation of the financial services system 7 Privacy 8 Organisational structure 8 Description of property 8 Certain legal proceedings 8 Financial review Overview 9 Selected financial data 12 Net interest income 15 Other banking and financial services income 18 Mortgage servicing and origination revenue 19 Life insurance business 19 Personnel expenses 21 Occupancy expenses 21 General expenses 21 Significant operating expenses 21 Charge to provide for doubtful debts 22 Significant non-operating items 23 Net profit by segment 24 Assets and equity 30 Return on average equity 30 Shareholder value 31 Earnings and dividends per share 32 Liquidity and capital resources 32 Capital adequacy 33 Changes in financial condition 35 Total assets under management and administration 35 Gross loans and advances 36 Impaired assets, provisions and allowance for loan losses 37 Deposits and other borrowings 40 Risk management 41 People and Culture 45 European Economic and Monetary Union 46 Risk factors 46 Goods and services tax 47 Accounting developments 47 Corporate governance statement 48 Report of the directors 52 1 NAB Full financials 11/11/01 5:06 PM Page 2 Financial performance Profitability $b Profit and significant items 5 Profit before significant items • Net profit after significant items decreased 35.7 per cent to $2,083 4 million.
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