Net Interest Margins & Spreads

Half Year to

Year to

Sep 01
%

Mar 01
%

Sep 01
%

Sep 00
%

Australia ⁽¹⁾

Australia Interest Spread

2.77

2.35

2.56

2.34

Australia Interest Margin ⁽²⁾

3.00

2.82

2.91

2.96

Australia Interest Margin (excluding earnings on excess capital) ⁽²⁾

2.81

2.77

2.79

2.81

Great Britain ⁽¹⁾

Great Britain Interest Spread

2.40

2.48

2.45

2.81

Great Britain Interest Margin ⁽²⁾

2.98

2.88

2.93

3.19

Other International ⁽¹⁾

Other International Interest Spread

1.58

1.86

1.72

2.01

Other International Interest Margin ⁽²⁾

1.80

2.09

1.96

2.39

Group

Group Interest Spread

2.41

2.28

2.34

2.39

Group Interest Margin ⁽²⁾

2.76

2.66

2.71

2.88

Group Interest Margin (excluding earnings on excess capital) ⁽²⁾

2.67

2.64

2.66

2.81

⁽¹⁾ Australia, Great Britain and Other International include intragroup cross border loans/borrowings and associated interest.

⁽²⁾ Interest margin is net interest income as a percentage of average interest earning assets

Net Interest Income
Average Balance Sheets and Related Interest
Loan Volumes

Net Interest Margins & Spreads

Share price

NAB

NABHA