12 months ended 30 september 2002 national australia bank limited full year results table of contents media release 1 section 2 financial summary 6 reporting format 7 divisional statement performance 8 group 9 cash earnings by region from ongoing operations 10 position 11 key measures 3 management discussion and analysis 13 overview 14 significant items 15 asset quality 16 profitability 19 net interest income life insurance 20 other operating 21 expenses tax expense capital 22 balance sheet retail banking 25 services 26 europe 28 new zealand wholesale 32 wealth 34 excess & funding 39 homeside 40 4 detailed information 41 annual report 42 43 margins spreads 44 average related 45 5 gross loans advances 50 52 revenue 53 54 time equivalent employees 56 doubtful debts 57
