Financials National Australia Bank Limited

Equities

Market Closed - Australian S.E. Other stock markets 02:12:03 2025-07-10 am EDT			5-day change	1st Jan Change
39.74 ^AUD	+1.12%		+2.13%	+7.12%

09:50pm	ANZ, CBA, and Westpac Selected as Industry Participants in Central Bank's Tokenized Asset Settlement Research Project	MT
Jul. 09	Australian Shares Fall; Orica Appoints Chair-Elect	MT

Fiscal Period: September	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	17,190	16,806	18,296	20,648	20,646	20,651	21,144	21,841
Change	-	-2.23%	8.87%	12.86%	-0.01%	0.03%	2.39%	3.3%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	8,183	8,989	10,022	11,266	10,620	10,844	11,114	11,595
Change	-	9.85%	11.49%	12.41%	-5.73%	2.11%	2.49%	4.33%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	5,163	9,068	9,744	10,450	9,879	9,816	10,193	10,586
Change	-	75.63%	7.45%	7.25%	-5.46%	-0.64%	3.84%	3.85%
Net income ¹	2,559	6,364	6,891	7,414	6,960	6,826	6,966	7,140
Change	-	148.69%	8.28%	7.59%	-6.12%	-1.93%	2.05%	2.51%
Announcement Date	11/4/20	11/8/21	11/8/22	11/9/23	11/6/24	-	-	-

¹AUD in Million

Estimates

Fiscal Period: September	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1
Net sales ¹	-	-	4,274	4,274	4,536
Change	-	-	-	0%	6.14%
EBITDA	-	-	-	-	-
Change	-	-	-	-	-
EBIT	-	4,222	-	-	-
Change	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	-	-	-	2,500
Change	-	-	-	-	-
Net income ¹	1,700	-	-	-	1,800
Change	-	-	-	-	-
Announcement Date	2/15/21	5/5/21	11/8/22	11/8/21	2/9/22

¹AUD in Million

Estimates

Fiscal Period: September	2021 S1	2021 S2	2022 S1	2022 S2	2023 S1	2023 S2	2024 S1	2024 S2	2025 S1	2025 S2	2026 S1	2026 S2	2027 S1
Net sales ¹	8,439	8,367	8,828	9,468	10,568	10,080	10,138	10,476	10,281	10,417	10,497	10,775	10,897
Change	-	-0.85%	5.51%	7.25%	11.62%	-4.62%	0.58%	3.33%	-1.86%	1.33%	0.77%	2.64%	1.14%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	4,576	4,413	4,865	5,157	6,108	5,158	5,461	5,269	5,463	5,435	-	-	-
Change	-	-3.56%	10.24%	6%	18.44%	-15.55%	5.87%	-3.52%	3.68%	-0.52%	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	-	5,001	4,743	-	-	4,975	-	4,896	4,956	-	-	-
Change	-	-	-	-5.16%	-	-	-	-	-	1.23%	-	-	-
Net income ¹	3,208	3,156	3,551	3,340	3,967	3,447	3,494	3,466	3,407	3,496	-	-	-
Change	-	-1.62%	12.52%	-5.94%	18.77%	-13.11%	1.36%	-0.8%	-1.7%	2.63%	-	-	-
Announcement Date	5/5/21	11/8/21	5/4/22	11/8/22	5/3/23	11/9/23	5/1/24	11/6/24	5/6/25	-	-	-	-

¹AUD in Million

Estimates

Fiscal Period: September	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	11/4/20	11/8/21	11/8/22	11/9/23	11/6/24	-	-	-

Estimates

Fiscal Period: September	2019	2020	2021	2022	2023	2024
CAPEX ¹	1,135	972	858	1,077	1,192	1,440
Change	-	-14.36%	-11.73%	25.52%	10.68%	20.81%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	11/14/19	11/10/20	11/8/21	11/8/22	11/9/23	11/6/24

¹AUD in Million

Estimates

Fiscal Period: September	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	47.6%	53.49%	54.78%	54.56%	51.44%	52.51%	52.56%	53.09%
EBT Margin (%)	-	30.03%	53.96%	53.26%	50.61%	47.85%	47.53%	48.21%	48.47%
Net margin (%)	-	14.89%	37.87%	37.66%	35.91%	33.71%	33.05%	32.94%	32.69%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.43%	0.73%	0.72%	0.73%	0.66%	0.68%	0.67%	0.77%
ROE	-	6.5%	10.57%	11.66%	12.9%	11.6%	11.23%	10.89%	10.88%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.6	1.27	1.51	1.67	1.69	1.702	1.71	1.705
Change	-	-	111.67%	18.9%	10.6%	1.2%	0.73%	0.44%	-0.3%
Book Value Per Share ¹	-	18	17.73	18.34	19.65	20.05	20.62	21.24	21.88
Change	-	-	-1.47%	3.41%	7.15%	2.02%	2.84%	3.03%	3.02%
EPS ¹	-	0.805	1.882	2.056	2.287	2.227	2.195	2.242	2.29
Change	-	-	133.79%	9.25%	11.24%	-2.62%	-1.45%	2.15%	2.15%
Nbr of stocks (in thousands)	-	3,284,509	3,275,762	3,146,471	3,121,044	3,065,431	3,055,408	3,055,408	3,055,408
Announcement Date	-	11/4/20	11/8/21	11/8/22	11/9/23	11/6/24	-	-	-