6 months ended 31 march 2004 national australia bank limited half year results 22175 qxd 4 22 04 pm page 1 table of contents media release section 2 financial summary 5 reporting format divisional performance 7 group 8 regional 9 position 10 key measures 11 3 management discussion & analysis 12 overview 13 asset quality 16 profitability 19 net operating income interest life insurance 20 other expenses 21 tax expense significant items capital and 23 economic value added eva 24 total banking 25 retail 26 services 27 europe 30 new zealand 33 corporate institutional 35 wealth 38 incl excess funding centre 43 detailed information 44 by division 45 48 margins spreads 49 average balance sheet related 51 gross loans advances 56 59 revenue 60 62
