full year results 04 23796final qxd 8 11 12 53 pm page 1 national australia bank limited abn 004 044 937 table of contents section media release 2 financial summary 6 reporting format 7 divisional performance 9 group 10 regional position key measures 13 3 overview 14 15 banking 16 wealth management 17 asset quality 4 profitability and capital 21 22 net operating income interest life insurance 23 other 24 expenses tax expense 25 significant items 26 28 economic value added eva 29 5 analysis 30 total 31 retail 32 services 33 europe 36 new zealand 40 corporate & institutional 43 46 incl funding centre 56 detailed information 58 by division 59 63 margins spreads 64 average
