| 词条 | National Australia Bank | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 |
| name = National Australia Bank Limited | logo = National Australia Bank.svg | type = Public | traded_as = {{asx|NAB}} | area_served = Australia, New Zealand, Asia[1] | key_people = Kenneth R Henry AC (Chairman) Andrew Thorburn (CEO)[1] Mike Baird (CCO) | industry = Banking, Financial services | products = Business banking Consumer banking Wholesale banking Wealth management Insurance[2] | revenue = {{nowrap|1={{increase}} {{A$}} 20.176 billion (2015)[3]}} | net_income = {{nowrap|1={{increase}} {{A$}} {{0|0}}6.357 billion (2015)[3]}} | assets = {{nowrap|1={{increase}} {{A$}} 945.0 billion (2015)[3]}} | num_employees = 35,063 (2016)[4] | homepage = {{url|http://nab.com.au/}} | foundation = 1982 (as National Commercial Banking Corporation of Australia Limited) | location = 700 Bourke Street Docklands, Melbourne, Australia }}National Australia Bank (abbreviated NAB, branded nab) is one of the four largest financial institutions in Australia in terms of market capitalisation, earnings and customers.[5] NAB was ranked 21st largest bank in the world measured by market capitalisation[6] and 41st largest bank in the world as measured by total assets in 2014, falling to 49th largest in March 2016.[7] {{as of|2014|November}} NAB operated 1,590 branches and service centres; and 4,412 ATMs across Australia, New Zealand and Asia serving 12.7 million customers.[8] NAB has a "AA-" long term issuer rating by Standard & Poor's.[8] HistoryEarly historyNational Australia Bank was formed as National Commercial Banking Corporation of Australia Limited in 1982 by the merger of National Bank of Australasia and the Commercial Banking Company of Sydney. The resulting company was subsequently renamed National Australia Bank Limited.[9] The expanded financial base of the merged entity triggered significant offshore expansion over ensuing years. Representative offices were established in Beijing (1982), Chicago (branch 1982), Dallas (1983), Seoul (1983, upgraded to a branch in 1990), San Francisco (1984), Kuala Lumpur (1984), Athens (1984, closed 1989), Frankfurt (1985, closed 1992), Atlanta (1986), Bangkok (1986), Taipei (1986 upgraded to branch 1990), Shanghai (1988, closed 1990), Houston (1989) and New Delhi (1989). In 1987, NAB bought Clydesdale Bank (Scotland) and Northern Bank (Northern Ireland and Republic of Ireland) from Midland Bank. It rebranded Northern Bank branches in the Republic of Ireland to National Irish Bank and changed both banks' logos from that of the Midland Bank. In 1990, NAB bought Yorkshire Bank (England and Wales). Further acquisitions followed – Bank of New Zealand in 1992, which at the time had about a 26% market share in the New Zealand market, and Michigan National Bank (MNB) in 1995. NAB had earlier rationalised its operations in the US and closed its offices in Atlanta, Chicago, Dallas, Houston, and San Francisco in 1991. This period of rapid expansion through acquisition concluded with the purchases in 1997 of HomeSide Lending, a leading US mortgage originator and servicer based in Florida, and most significantly, the acquisition in 2000 of MLC Limited (and related MLC entities) for $4.56bn, one of the biggest mergers in Australian corporate history. NAB encountered a difficult period in the period 2000–2005. In 2000, NAB sold Michigan National Bank to ABN AMRO, then in 2001 sold HomeSide's operating assets for US$1.9b to Washington Mutual, the largest US savings and loan company, as well as the mortgage unit's loan-servicing technology and operating platform. Executive changesThe foreign currency trader fraud was the catalyst for the resignations of CEO Frank Cicutto and Chairman Charles Allen.[10] The resignations were preceded by a Board revolt where Catherine Walters emerged as a whistle blower citing serious culture issues at the company having led to the string of failures.[11] Frank Cicutto was CEO of NAB from 1999 to 2004. The Australian economic environment during his leadership was stable and productive after 17 consecutive years of economic growth since 1992, averaging 3.3 per cent per annum. In February 2004, John Stewart was appointed CEO of NAB following the sacking of Cicutto.[12] Stewart proceeded with a far reaching re-organisation of the company along regional lines leading to the appointment of Ahmed Fahour as the CEO of Australia in September 2004.[13] On 20 February 2009 Fahour stepped down from the Principal Board and Group Executive Committee.[14] In 2005, NAB announced a cut of 2,000 Australian jobs as part of a global cost-cutting program with the intention of cutting around 4,200 positions – about 10.5% of its total workforce globally.[15] It began to outsource back office positions offshore, beginning with a pilot with 23 jobs from the accounts payable department in Melbourne going to Bangalore, India in an agreement with Accenture.[16] Later that year, it sold Northern Bank and National Irish Bank to the Danish Danske Bank. Over 200 additional jobs had been sent offshore by 2006.[17] As part of the culture change program, a new Australian head office was purpose built at Docklands in Melbourne. This building is characterised by its open plan layout and was officially opened in October 2004.[18][19] After Cameron Clyne became CEO in 2009, the Docklands building became the global headquarters replacing 500 Bourke Street. By 2006, NAB had turned its fortunes around, reporting an industry record $4.3 billion profit and winning two local Bank of the Year awards. It also had a major reform which included the refurbishment of all of its branches, and the replacement of signage in and around National branches and buildings, being changed from 'National' to 'nab'. In May 2007 NAB announced that it would delist from the New York Stock Exchange,[20] and this took place in August 2007. NAB delisted from the London and Tokyo exchanges in 2006. In March 2008 NAB announced that it would send maintenance and support for some core banking applications to India through an offshoring arrangement with Infosys and Satyam, affecting another 260 employees.[21] On 25 July 2008, NAB's announcement of an additional A$830 million provision associated with deterioration in US real estate markets triggered the biggest single-day fall in its share price in 21 years, wiping over A$7 billion from the stock's value.[22] Present eraIn October 2008, NAB launched a branchless direct bank trading separately as UBank under the leadership of Greg Sutherland and Gerd Schenkel.[23] In January 2009, Cameron Clyne became CEO,[24] and began a strategy of reputation change, wealth management and a focus on domestic markets. As part of this strategy, NAB's underweight retail bank – under the leadership of Lisa Gray – attempted to increase market share by competing on price and cutting fees.[25] Initially denting earnings in the division,[26] the strategy produced mixed results over the medium term, with cash earnings, market share and customer satisfaction rising, but operating margin and cost to income ratio worsening since it began in 2009.[27][28] In line with the strategy, NAB attempted to differentiate itself from the other "Big 4" Australian banks in a large, national public relations campaign centred around a theme of "breaking up" with the other banks on Valentine's Day 2011.[29] The campaign received both a positive[30][31] and negative[32][33] reception. It also attracted swift competitive responses from other major banks.[34] The campaign won an advertising award at Cannes.[35] In 2009, NAB acquired the mortgage business of Challenger Financial Services for $385 million, in order to boost its market share in the broker channel. The purchase also included the PLAN, Choice, and FAST mortgage aggregation businesses and approximately 17.5% in Homeloans Ltd.[36] In June that year it paid A$825m ($660m:£401m) for UK insurer Aviva's Australian wealth management businesses, including their Navigator platform. NAB beat off competition from AMP for Navigator.[37] In July 2009 NAB acquired an 80% stake in the private wealth management division of Goldman Sachs JBWere, for A$99m.[38] In December 2009 NAB began a 9-month attempt to purchase AXA Asia Pacific. This attempt was blocked twice by the ACCC. The first time, in April 2010, was because the regulator believed that the merger would cause a substantial lessening of competition in the retail investment platform market. NAB subsequently lodged a revised bid which aimed to address these concerns however, was rejected a second time in September of that year.[39] The AXA deal's drawn out process drew criticism for the Bank's underperformance.[40] NAB's poor 2012 financial results, however, called its strategy into question:[41][42] net profit dropped by 22% compared to the previous year.[43] In 2014-NAB Melbourne Government announced that Cameron Clyne would be succeeded as CEO by Andrew Thorburn, NAB's New Zealand head.[44] In August 2014, Lisa Gray left NAB as part of a broader set of executive changes.[45] International demergersAs part of a strategy to focus NAB on its domestic markets,[46] the bank listed its US subsidiary Great Western Bank subsidiary on the New York Stock Exchange in October 2014 as part of an initial public offering.[47] NAB sold its final 28.5% holding in Great Western in July 2015.[48] In May 2015, NAB also confirmed it would demerge its Clydesdale and Yorkshire Bank business in the UK, through an initial public offering.[49] The business was partially floated on the London Stock Exchange and Australian Securities Exchange under a new holding company, CYBG plc, in February 2016, with the remaining shares distributed to NAB's shareholders.[50] Corporate affairsChief ExecutivesThe following individuals have been appointed to serve as chief executive:
ChairsThe following individuals have been appointed to serve as Chairman of the board:
OverviewThe National Australia Bank Group is organised into eight divisions, spread across two geographic regions.
Financial resultsSourced from NAB financial results:[62]
While NAB operates in several jurisdictions globally, it earns the bulk of its revenue from its Australian operations. In NZ it operates BNZ. The Business Banking and Wholesale divisions of NAB have offices in London, New York, Hong Kong, Singapore, Tokyo and Shanghai. These are aimed at servicing the needs of corporate and institutional customers, which include market risk management (e.g. foreign exchange or interest rate hedging), trade finance and bond issuance. Revenue by geography in 2014 is summarised in the table below.[8]
TechnologyNAB is a large user of the Siebel and Teradata CRM systems.[63][64] While NAB has received recognition as an early adopter and leader in CRM (Customer Relationship Management)[65] the system was reinvigorated in 2004/5 as part of the broader turnaround to support the new focus on cross-selling.[66][67] In 2006, NAB was named the winner of the IFS/Cap Gemini Financial Innovation awards for its CRM system, internally called "National Leads".[68] On 25 November 2010, NAB suffered a system malfunction resulting in the failure of accounts processing.[69] As a result, around 60,000 banking transactions were lost, and had to be manually recovered.[69] The malfunction was caused by a corruption of an irreplaceable system file.[69] This issue has been dubbed by some commentators as one of the biggest failures in the history of the Australian banking system.[70] Under Cameron Clyne's leadership, NAB began to upgrade its core banking platform in a project dubbed "NextGen". The project involves the replacement of its legacy systems which are up to 40 years old with an Oracle-based solution.[71] UBank was reported to be the first beneficiary of this project.[72][73] In total, the project was expected to be completed in 2014 and cost $1 billion.[74] As of April 2014, NAB's "NextGen" program was said to suffer from "growing problems".[75] Corporate responsibilityIn 2008, NAB invested $33.5 million in corporate responsibility initiatives. Its target is to spend 1% of cash earnings before tax in this area.[76] In 2009, NAB became the largest Fairtrade accredited workplace in Australia through purchasing Fairtrade tea, coffee and hot chocolate for their offices and retail branches.[77] In March 2010 NAB stated it expected to save nearly $1 million in annual power costs from a $6.5 million tri-generation plant at its main data centre.[78] NAB became one of Australia's largest carbon neutral companies in September 2010.[79] NAB ranked equal first among financial service companies in the Global 500 companies in the 2010 Carbon Disclosure Leadership Index.[80] Sponsorship and scholarshipsDuring this period, NAB emerged as a major sponsor of Australian rules football, both at grassroots and elite level. It supports Auskick, an initiative to improve young footballers, as well as the NAB Cup (an Australian Football League pre-season competition), the NAB AFL Rising Star award; and the AFL National Draft. Other significant sporting sponsorships included the Socceroos, the 2006 Commonwealth Games, and was the main shirt sponsor of the South Sydney Rabbitohs between 2008 and 2010.[94] Support is also given towards community group volunteers around Australia. In recent years, NAB has provided financial support and relief to drought affected farmers and helped in the clean-up of flood affected in Queensland and Victoria. NAB has also sponsored the Sheikh Fehmi El-Imam Scholarship, designed to help strengthen the links between NAB and the Muslim community and enables an undergraduate student to continue post-graduate studies in finance and economics.[81] The National Australia Bank is the AFL Women's current and inaugural naming rights partner.[82] ControversiesForeign currency trader staff fraudIn 2004, NAB discovered that as a result of unauthorised spot trades on its foreign currency options desk, losses totalling A$360 million had been covered up. Investigations by PricewaterhouseCoopers and the Australian Prudential Regulation Authority highlighted a need for cultural change. The losses were a result of a failed speculative position where the traders falsified profits to trigger bonuses over a number of years. In order to actually generate the reported profits, the traders speculated on the US dollar, betting that it would rise against the Australian dollar and other currencies. In 2006, two former NAB foreign currency options traders were sentenced on charges brought by the Australian Securities and Investments Commission (ASIC) and incurred jail terms.[83] Financial planner misconductActing on a customer complaint, an Australian Securities & Investment Commission (ASIC) investigation found that between 1997 and 2001, a NAB financial products seller, Paul Drakos, working out of a northern Sydney branch at Hornsby made recommendations to a number of NAB clients, mostly retirees, to invest in BSI Corp,[84] an entity based in the Bahamas which was not a NAB approved investment product. According to ASIC, at least $6.2m was subsequently transferred from the overseas accounts in the Bahamas and the Dominican Republic back to a private company account, held for Strategic Investments Group ACN 080 924 036 and controlled by a single director, the same Paul Drakos. Funds were then applied from this account as loans disguised as investments to a number of failed business opportunities among his familial associates including a golf driving range on the Central Coast of NSW, a plumbing business, and futures and commodities trading. The land holdings, as inflated securities,[85] were also used by the failed Allco Hit.[86] The NAB employee was not officially connected with BSI but gave instructions to agents based in Canada to arrange for the transfer of funds back to Strategic Investments Group and other accounts. On 29 May 2006 the NAB employee pleaded guilty to 8 counts of dishonestly obtaining a financial advantage by deception, 2 counts of fraudulent misappropriation and 3 counts of making and using false documents. There is also a connection, not yet pursued by ASIC, to the collapse of the Allco HIT Ltd and Strategic Finances where it is suspected that the swampland was used to underpin financial dealings. During the time of the investigations the NAB provided the perpetrator of the fraud with a loan of $350,000 secured by swampland on the Central Coast of NSW.[87] Tax evasion and customer overcharging in IrelandThe Irish subsidiary of the bank, National Irish Bank was the subject of a six-year Inquiry carried out by Inspectors appointed by the Irish High Court. They established that National Irish Bank had engaged in overcharging its own customers and tax evasion schemes prior to 1998.[88] Mr Justice Peter Kelly, an Irish High Court judge commented following publication of the Report "The edifice of banking is built on a foundation of trust. On the Inspectors findings there was a breach of trust. The operation was carried out over a period of years in a deliberate fashion".[89] The Director of Corporate Enforcement subsequently applied to the High Court to have 9 senior managers barred from being an officer of any company.[90] HomeSide write-downsNAB booked two write-downs associated with HomeSide. First, in July 2001, NAB had a $450 million write down of the value of its capitalised mortgage servicing rights (CMSRs) during the quarter ending 30 June 2001, and was the result of exceptionally high mortgage refinance volumes which lowered the value of the CMSRs, combined with a more challenging capital markets environment in which to hedge interest rate risk.[91] This was followed shortly by a second write-down reported in September totalling $1.75 billion; this second write-down consisted of US$400 million from an incorrect interest rate assumption embedded in the mortgage servicing rights valuation model, US$760 million from changed assumptions in the model flowing from the continued unprecedented uncertainty and turbulence in the mortgage servicing market, and US$590 million from writing off of the goodwill. In total, NAB booked $2.2 billion in losses due to HomeSide. As a result of all these events, NAB's Australian shareholders attempted to sue it in the United States for securities fraud, even though the plaintiffs, the defendant, and the actual securities at issue (NAB's shares) were all located in Australia. (The main advantage of suing in the U.S. arises from Basic Inc. v. Levinson (1988), under which it is presumed that the defendant committed "fraud-on-the-market" unless the defendant proves otherwise.) The case of Morrison v. National Australia Bank Ltd ultimately ended up before the U.S. Supreme Court, which held in a unanimous 8–0 decision on 24 June 2010 that U.S. law against securities fraud does not apply to securities deals occurring outside of the country. Financed fossil fuel businessesIt has been estimated that since 2008, NAB has loaned A$11.2 billion to the fossil fuel industry in Australia, positioning itself as the 3rd largest lender in this regard. Comparatively, loans to renewable energy are estimated at A$2.2 billion over the same period, or approximately 20% of the amount to fossil fuels.[92] The Big Four Australian banks, of which NAB is part, are estimated to have provided approximately one third of all loans to the fossil fuel industry in Australia since 2008.[93] Financed emissions count toward a company's Scope 3 emissions under the Greenhouse Gas Protocol. Concerns that this finance is significant to Australia's contribution to global warming has led to various responses from the Australian community. These include the creation of 'fossil fuel-free' superannuation and investment products which exclude NAB from the investment universe.[94][95] Shareholders of the bank engage NAB, often at the annual general meeting, asking for greater emissions disclosure and reduced finance for fossil fuels.[5][6][60][96][97] Protest groups have also covered ATM screens to raise awareness regarding fear of environmental degradation of the Great Barrier Reef.[62] Additionally, some NAB customers have moved their money to banks with a lesser financed emissions portfolio.[98][99] In early September 2015, reports circulated that NAB had ruled out finance for the proposed Adani Carmichael coal mine, which would be the largest coal mine in Australia and one of the largest in the world.[9][100] See also{{Portal|Banks}}
References1. ^1 {{cite web |url=http://www.nab.com.au/about-us/ |title=About Us - NAB |publisher=National Australia Bank |accessdate=3 April 2015}} 2. ^{{cite web |url=https://www.reuters.com/finance/stocks/companyProfile?symbol=NAB.AX |title=National Australia Bank Ltd (NAB.AX) Company Profile |publisher=Reuters.com |accessdate=3 April 2015}} 3. ^1 2 {{cite web |url=http://www.nab.com.au/content/dam/nabrwd/About-Us/shareholder%20centre/documents/2015%20full%20year%20results.pdf |title=Annual Report 2015 |publisher=National Australia Bank |date=28 October 2015 |accessdate=14 February 2016}} 4. ^{{cite web|title=2016 Half Year Results announcement|url=http://www.nab.com.au/content/dam/nabrwd/About-Us/shareholder%20centre/documents/2016-half-year-results-announcement.pdf|website=2016 Half Year results|accessdate=6 May 2016}} 5. ^1 {{cite web|url = http://www.accr.org.au/nab|title = NAB|publisher = Australasian Centre for Corporate Responsibility}} 6. ^1 {{cite web|url = http://east.com.au/publications/banking-news/nab-anz-forced-to-defend-fossil-fuel-funding-at-agms|title = NAB, ANZ forced to defend fossil fuel funding at AGMs|date = 22 December 2014|publisher = East & Partners|access-date = 22 December 2015|archive-url = https://web.archive.org/web/20160402142903/http://east.com.au/publications/banking-news/nab-anz-forced-to-defend-fossil-fuel-funding-at-agms|archive-date = 2 April 2016|dead-url = yes|df = dmy-all}} 7. ^{{cite web |url=http://www.relbanks.com/worlds-top-banks/assets |title=Top Banks in the World 2014 |publisher=relbanks.com |date=2014}} 8. ^1 2 {{cite web |url=https://www.nab.com.au/content/dam/nab/about-us/shareholder-centre/annual-reports/pdf-reports/2014-annual-financial-report.pdf |title=Annual Report 2014 |publisher=National Australia Bank |date=14 November 2014 |accessdate=3 April 2015 |archive-url=https://web.archive.org/web/20150408161338/https://www.nab.com.au/content/dam/nab/about-us/shareholder-centre/annual-reports/pdf-reports/2014-annual-financial-report.pdf |archive-date=8 April 2015 |dead-url=yes |df=dmy-all }} 9. ^1 {{cite web|url = http://www.afr.com/business/mining/coal/nab-cold-on-adanis-carmichael-20150902-gjde0b|title = NAB cold on Adani's Carmichael|date = 2 September 2015|publisher = The Australian Financial Review}} 10. ^{{cite web |author=Long, Stephen |url=http://www.abc.net.au/worldtoday/content/2004/s1036288.htm|title= Frank Cicutto Resigns as NAB boss|publisher=ABC The World Today|date=2 February 2004 |accessdate=24 February 2017}} 11. ^{{cite news| url=http://www.theage.com.au/articles/2004/04/03/1080941721594.html | location=Melbourne | work=The Age | title=Cathy Walter: parent, achiever, dissident | date=4 April 2004 |accessdate=24 February 2017}} 12. ^Our Business – NAB {{webarchive|url=https://web.archive.org/web/20100502012621/http://www.nabgroup.com/0%2C%2C41693%2C00.html |date=2 May 2010 }} 13. ^Our Business – NAB {{webarchive|url=https://web.archive.org/web/20100127105958/http://www.nabgroup.com/0%2C%2C34695%2C00.html |date=27 January 2010 }} 14. ^{{cite press release |title=Ahmed Fahour steps down from NAB Executive and Board |url=https://www.nab.com.au/about-us/media/media-releases-2009/ahmed-fahour-steps-down-from-nab-executive-and-board |website=www.nab.com.au |publisher=NAB |accessdate=23 February 2017 |date=20 February 2009 |quote=Mr Fahour said he was leaving the business after nearly five years because the job he was employed to do had been completed successfully. |archive-url=https://web.archive.org/web/20170223211621/https://www.nab.com.au/about-us/media/media-releases-2009/ahmed-fahour-steps-down-from-nab-executive-and-board |archive-date=23 February 2017 |dead-url=yes |df=dmy-all }} 15. ^{{cite news|title=NAB mixes job cuts with record profits|publisher=The Age (Melbourne)|date=11 May 2005|url=http://www.theage.com.au/news/Business/NAB-mixes-job-cuts-with-record-profits/2005/05/11/1115584998575.html |agency=AAP |accessdate=24 February 2017}} 16. ^{{cite news |author=Murray, Lisa |title=NAB to export 23 jobs to India|date=26 September 2005|publisher=Sydney Morning Herald|url= http://www.smh.com.au/news/business/nab-to-export-23-jobs-to-india/2005/09/26/1127586800351.html |accessdate=24 February 2017}} 17. ^{{cite web|publisher=Financial Sector Union |title=Spotlight on National Australia Bank |url=http://www.bankcheck.net.au/nab_bank.html |deadurl=yes |archiveurl=https://web.archive.org/web/20070618190404/http://www.bankcheck.net.au/nab_bank.html |archivedate=18 June 2007 }} 18. ^{{cite web|publisher=NAB |title=National Australia Bank Officially Opens New Flagship Docklands Complex |url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/8/5/29/23 |deadurl=yes |archiveurl=https://web.archive.org/web/20091009074526/https://nab.com.au/wps/wcm/connect/nab/nab/home/About_Us/8/5/29/23/ |archivedate=9 October 2009 |df=dmy-all }} 19. ^{{cite magazine |last1=Brawn |first1=Graham |last2=Drake |first2=Scott |publisher=Architecture Media Pty Ltd |title=National @ Docklands |url=http://architectureau.com/articles/national-docklands/ |work=Architecture Australia |ISSN=0003-8725 |accessdate=24 February 2017 |volume=94 |issue=1 |date=1 January 2005}}{{page needed|date=February 2017}} 20. ^{{cite web|title=National Australia Bank's First-Half Profit Tops Forecasts |date=9 May 2007 |publisher=CNBC|url=https://www.cnbc.com/id/18477329/ |agency=Reuters |accessdate=24 February 2017}} 21. ^{{cite news|publisher=The Australian|title=NAB sends jobs offshore|url=http://www.australianit.news.com.au/story/0,24897,23313704-15306,00.html|date=4 March 2008|accessdate=4 March 2008|first=Mahesh|last=Sharma|archive-url=https://web.archive.org/web/20080305012929/http://www.australianit.news.com.au/story/0,24897,23313704-15306,00.html|archive-date=5 March 2008|dead-url=yes|df=dmy-all}} 22. ^{{cite news |author=Zappone, Chris |publisher=The Age, Melbourne|title=NAB's $7 billion wipeout|date=25 July 2008|accessdate=25 July 2008|url=http://business.theage.com.au/business/nabs-7-billion-wipeout-20080725-3kwo.html}} 23. ^{{cite web |url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/8/5/37/32 |title=NAB unveils UBank |publisher=National Australia Bank |date=1 October 2008 |accessdate=17 November 2011 |archive-url=https://web.archive.org/web/20110929232646/http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/8/5/37/32 |archive-date=29 September 2011 |dead-url=yes |df=dmy-all }} 24. ^{{cite news|title=NAB axes Fahour's role in rejig|url=http://business.theage.com.au/business/nab-axes-fahours-role-in-rejig-20081218-711m.html|work=The Age|date=18 December 2008|accessdate=22 June 2009}} 25. ^{{cite news|last=Bell |first=Alison |url=http://news.theage.com.au/breaking-news-business/nab-earnings-expected-to-trail-rivals-20100504-u6l6.html |title=NAB earnings expected to trail rivals |work=The Age |date=4 May 2010 |accessdate=17 November 2011 |location=Melbourne}} 26. ^NAB profits hit by fee cuts, ABC, 6 May 2010 27. ^NAB H1 profit jumps as market share improves, Business Spectator, 5 May 2011 28. ^NAB's organics will need constant tending, Business Spectator, 5 May 2011 29. ^{{cite web|url=http://breakup.nab.com.au/ |title=The Break Up – NAB breaks up with banks, CommBank, ANZ, Westpac |publisher=National Australia Bank |date= |accessdate=17 November 2011}} 30. ^{{cite news| url=http://www.news.com.au/money/break-up-campaign-helps-nab-to-top-of-bank-customer-satisfaction-list/story-e6frfmci-1226035809899 | agency=AAP | title='Break-up' campaign helps NAB to top of bank customer satisfaction list | date=8 April 2011}} 31. ^{{cite web |last=Thomson |first=James |url=http://www.smartcompany.com.au/advertising-and-marketing/20110216-five-lessons-from-nab-s-bank-break-up-marketing-campaign.html |title=Five lessons from NAB's "bank break-up" marketing campaign |publisher=SmartCompany |date=16 February 2011 |accessdate=17 November 2011 |archive-url=https://web.archive.org/web/20120126135607/http://www.smartcompany.com.au/advertising-and-marketing/20110216-five-lessons-from-nab-s-bank-break-up-marketing-campaign.html |archive-date=26 January 2012 |dead-url=yes |df=dmy-all }} 32. ^{{cite web|last=Hammond |first=Michelle |url=http://www.startupsmart.com.au/planning/2011-04-18/regional-independent-banks-top-the-majors-for-smes-report.html |title=Regional independent banks top the majors for SMEs: Report |publisher=StartupSmart |date=18 April 2011 |accessdate=17 November 2011}} 33. ^{{cite web |url=http://www.imarketingsolutions.com.au/nab-break-up-campaign |title=NAB Break Up Rebuttal |publisher=iMarketing Solutions |date= |accessdate=17 November 2011 |archive-url=https://web.archive.org/web/20111107222112/http://www.imarketingsolutions.com.au/nab-break-up-campaign/ |archive-date=7 November 2011 |dead-url=yes |df=dmy-all }} 34. ^{{cite news|last=Gluyas |first=Richard |url=http://www.theaustralian.com.au/business/opinion/business-banking-franchise-may-take-a-collateral-hit-in-the-fair-value-campaign/story-e6frg9if-1226041791419 |title=Business banking franchise may take a collateral hit in the 'fair value' campaign |work=The Australian |date=20 April 2011 |accessdate=17 November 2011}} 35. ^NAB campaign wins top award at Cannes, The Australian 36. ^{{cite web|publisher=ASX|date=18 August 2009|title=NAB to acquire Challenger's mortgage management business|url=http://www.asx.com.au/asxpdf/20090818/pdf/31k4gpjw53cn6r.pdf}} 37. ^{{cite news|publisher=BBC|date=22 June 2009|title=Aviva sells Australian Business|url=http://news.bbc.co.uk/2/hi/business/8112145.stm}} 38. ^{{cite news|url=http://business.theage.com.au/business/nab-snaps-up-80-of-jbwere-wealth-unit-20090729-e0ph.html|title=NAB snaps up 80% of JBWere wealth unit|work=The Age|date=29 July 2009|location=Melbourne}} 39. ^{{cite news| url=http://www.smh.com.au/business/for-axa-its-goodbye-nab-hello-amp-20100909-151tr.html | work=The Sydney Morning Herald | title=For AXA it's goodbye NAB, hello AMP | first=Danny | last=John | date=9 September 2010}} 40. ^{{cite news| url=http://www.smh.com.au/business/angst-over-axa-and-worries-over-banks-performance-the-woes-of-cameron-clyne-20100321-qo43.html | work=The Sydney Morning Herald | title=Angst over Axa and worries over bank's performance: the woes of Cameron Clyne | first=Adele | last=Ferguson | date=22 March 2010}} 41. ^{{cite web|url=http://www.afr.com/p/business/financial_services/nab_faces_investor_ire_before_agm_DXMJu69aH9S7vIKyLjMPWM |title=NAB faces investor ire before AGM |publisher=Financial Review |date=3 December 2012 |accessdate=14 July 2013}} 42. ^{{cite web|last=Sharp |first=Tim |url=http://www.heraldscotland.com/business/company-news/nab-faces-investor-backlash-at-agm.19647550 |title=NAB faces investor backlash at AGM |publisher=Herald Scotland |date=11 December 2012 |accessdate=14 July 2013}} 43. ^{{cite web|url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/20/3/7 |title=Our Performance |publisher=National Australia Bank |date= |accessdate=14 July 2013}} 44. ^{{cite web|author=Michael Smith |url=http://www.smh.com.au/business/national-australia-bank-shareholders-give-cautious-nod-to-new-boss-andrew-thorburn-20140404-36454.html |title=National Australia Bank shareholders give cautious nod to new boss Andrew Thorburn |work=Sydney Morning Herald |date= |accessdate=31 October 2015}} 45. ^{{cite web|author=Clancy Yeates |url=http://www.smh.com.au/business/banking-and-finance/new-nab-chief-andrew-thorburn-shakes-up-executive-team-20140801-zz8x9.html |title=New NAB chief Andrew Thorburn shakes up executive team |work=Sydney Morning Herald |date=1 August 2014 |accessdate=31 October 2015}} 46. ^{{cite news|last1=Yeates|first1=Clancy|title=Why National Australia Bank's selling final stake in Great Western Bank|url=http://www.smh.com.au/business/banking-and-finance/why-national-australia-banks-selling-final-stake-in-great-western-bank-20150717-giedue.html|accessdate=14 February 2016|work=Sydney Morning Herald|date=17 July 2015}} 47. ^{{cite news|last1=Somasundaram|first1=Narayanan|title=Great Western Unchanged in Debut After Scaled-Back IPO|url=https://www.bloomberg.com/news/articles/2014-10-15/national-australia-prices-great-western-ipo-below-expected-range|accessdate=14 February 2016|work=Bloomberg Business|date=15 October 2014}} 48. ^{{cite news|title=NAB sells remaining Great Western stake|url=http://www.skynews.com.au/business/business/national/2015/07/29/nab-sells-remaining-great-western-stake.html|accessdate=14 February 2016|work=Sky News Australia|date=29 July 2015}} 49. ^{{cite web|last1=Pandey|first1=Swati|last2=Scuffham|first2=Matt|url= https://www.reuters.com/article/2015/05/07/nab-issue-idUSL4N0XX5JB20150507 |title= NAB to demerge UK unit after $4.4 billion fundraising |publisher=Reuters |date=7 May 2015 |accessdate=8 May 2015}} 50. ^{{cite news|last1=Taverner|first1=Charlie|last2=Fedor|first2=Lauren|title=Clydesdale Bank share price trades above opening offer as conditional trading starts on IPO after 24-hour delay|url=http://www.cityam.com/233716/clydesdale-bank-share-price-trades-above-opening-offer-as-conditional-trading-starts-on-ipo-after-24-hour-delay-|accessdate=14 February 2016|work=City A.M.|date=3 February 2016}} 51. ^{{cite news |url=http://nla.gov.au/nla.news-article126849329 |title=Banks merger completed |newspaper=The Canberra Times |volume=56 |issue=16,807 |location=Australian Capital Territory, Australia |date=2 October 1981 |accessdate=8 February 2019 |page=14 |via=National Library of Australia}} 52. ^{{cite news |last1=Silver |first1=Lynette |title=Managing director guided CBC during a time of change: VIC MARTIN 1923–2015 |url=https://www.smh.com.au/national/managing-director-guided-cbc-during-a-time-of-change-20150423-1mrbmv.html |accessdate=8 February 2019 |agency=The Sydney Morning Herald |date=23 April 2015}} 53. ^{{cite web|last=Toevai|first=Sineva|date=3 April 2014|author2=Bianca Hartge-Hazelman|title=NAB chief Cameron Clyne to retire|url=http://www.smh.com.au/business/banking-and-finance/nab-chief-cameron-clyne-to-retire-20140403-35zna.html|work=The Sydney Morning Herald|publisher=Fairfax Media|accessdate=3 April 2014}} 54. ^http://www.stockinfo.com.au/2019/02/07/nab-top-executives-cave-to-pressure/ 55. ^{{cite news |last1=Morgan |first1=Elysse |title=NAB interim CEO Phil Chronican the right man for the job, investors say |url=https://www.abc.net.au/news/2019-02-08/nab-interim-ceo-phil-chronican-right-man-for-the-job/10792000 |accessdate=9 February 2019 |agency=ABC News |date=8 February 2019}} 56. ^{{cite news |url=http://nla.gov.au/nla.news-article126875042 |title=Merging banks favour 'National Commercial' |newspaper=The Canberra Times |volume=56 |issue=16,925 |location=Australian Capital Territory, Australia |date=29 January 1982 |accessdate=9 February 2019 |page=13 |via=National Library of Australia}} 57. ^{{cite news |url=http://nla.gov.au/nla.news-article126849329 |title=Banks merger completed |newspaper=The Canberra Times |volume=56 |issue=16,807 |location=Australian Capital Territory, Australia |date=2 October 1981 |accessdate=9 February 2019 |page=14 |via=National Library of Australia}} 58. ^{{cite news |url=http://nla.gov.au/nla.news-article133931887 |title=Bank chiefs fiscal warning |newspaper=The Canberra Times |volume=66 |issue=20,765 |location=Australian Capital Territory, Australia |date=19 February 1992 |accessdate=9 February 2019 |page=29 |via=National Library of Australia}} 59. ^{{cite news |title=Ken Henry to succeed Michael Chaney as NAB chairman |url=https://www.theaustralian.com.au/business/financial-services/ken-henry-to-succeed-michael-chaney-as-nab-chairman/news-story/e048a580125d7755032ef0b16e102a22 |accessdate=9 February 2019 |agency=The Australian |date=7 May 2015}} 60. ^1 {{cite web|url = http://www.smh.com.au/business/banking-and-finance/nab-chairman-michael-chaney-defends-performance-despite-20151217-glpok7.html|title = NAB chairman Michael Chaney defends performance|date = 17 December 2015|publisher = The Sydney Morning Herald}} 61. ^1 2 3 4 5 6 2011 Full Year Financial Results 62. ^1 {{cite web|url = http://www.smh.com.au/federal-politics/political-news/climate-activists-target-atm-screens-over-great-barrier-reef-mining-fears-20150315-1lzx7g.html|title = Climate activists target ATM screens over Great Barrier Reef mining fears|date = 16 March 2015|publisher = The Sydney Morning Herald}} 63. ^{{cite web|title=National Australia Bank receives global recognition in Customer Relationship Management |date=10 December 2003 |publisher=NAB media release |url=http://www.national.com.au/About_Us/0,,39413,00.htm }}{{dead link|date=June 2016|bot=medic}}{{cbignore|bot=medic}} 64. ^{{cite news|title=NAB's track record a winner|publisher=Sydney Morning Herald|date=22 February 2005|url=http://www.smh.com.au/articles/2005/02/21/1108834695957.html}} 65. ^{{cite web|url=http://news.moneycentral.msn.com/ticker/article.aspx?symbol=US:TDC&feed=BW&date=20081217&id=9458691 |title=National Australia Bank and Teradata Win Overall NCDM Award for Excellence in Database Marketing |date=17 December 2008 }}{{dead link|date=June 2016|bot=medic}}{{cbignore|bot=medic}} 66. ^{{cite news|title=CRM adopter plays catch-up|date=19 September 2006|publisher = The Australian|url=http://australianit.news.com.au/articles/0,7204,20435270%5E15306%5E%5Enbv%5E,00.html?from=rss}}{{Dead link|date=June 2011|bot=RjwilmsiBot}} 67. ^{{cite web|title=Bank's CRM revamp hits half-way mark|publisher=Computerworld|date=16 March 2006|url=http://www.computerworld.com.au/index.php/id;981862231|access-date=29 October 2006|archive-url=https://web.archive.org/web/20070113061759/http://www.computerworld.com.au/index.php/id;981862231|archive-date=13 January 2007|dead-url=yes|df=dmy-all}} 68. ^{{cite web|title=ifs/Capgemini Financial Innovation Awards 2006 |publisher=ifs School of Finance |url=http://www.ifslearning.com/events/financial_innovation_awards/fia_winners_2006.cfm |deadurl=yes |archiveurl=https://web.archive.org/web/20070208233033/http://www.ifslearning.com/events/financial_innovation_awards/fia_winners_2006.cfm |archivedate=8 February 2007 }} 69. ^1 2 {{cite news|last=Zappone|first=Chris|title=NAB's woes trigger missing transactions |url=http://www.smh.com.au/business/nabs-woes-trigger-missing-transactions-20101202-18htx.html|accessdate=5 December 2011|publisher=Sydney Morning Herald|date=2 December 2010}} 70. ^{{cite news|last=Foo |first=Fran |url=http://www.theaustralian.com.au/australian-it/human-error-triggered-nab-software-corruption/story-e6frgakx-1225962953523 |title=Human error triggered NAB software corruption |work=The Australian |date=30 November 2010 |accessdate=17 November 2011}} 71. ^This is the year for NAB core banking overhaul {{Webarchive|url=https://web.archive.org/web/20110509091542/http://www.itwire.com/virtualisation/46976-this-is-the-year-for-nab-core-banking-overhaul |date=9 May 2011 }}, iTWire, 6 May 2011 72. ^{{cite web|date=29 April 2009|url=http://www.zdnet.com.au/news/software/soa/NAB-UBank-IT-well-advanced-/0,130061733,339296173,00.htm|publisher=ZDNet|title=NAB UBank IT 'well advanced'}} 73. ^{{cite news|url=http://www.australianit.news.com.au/story/0,24897,25400108-15306,00.html|work=The Australian|title=Roadmap for $1b IT overhaul done: NAB|date=28 April 2009|first=Mahesh|last=Sharma|access-date=29 April 2009|archive-url=https://web.archive.org/web/20090430051914/http://www.australianit.news.com.au/story/0,24897,25400108-15306,00.html|archive-date=30 April 2009|dead-url=yes|df=dmy-all}} 74. ^NAB UBank IT 'well advanced', ZDNet.com.au, 28 April 2009 75. ^{{cite web|author=Apr 28 2014 at 12:10 PM |url=http://www.afr.com/p/technology/nab_starts_digital_review_as_nextgen_niFrLbXMmtrZyto0fBkIpL |title=NAB starts digital review as Nextgen questions remain |publisher=afr.com |date=2014-04-28 |accessdate=2015-10-31}} 76. ^{{cite web|publisher=National Australia Bank |title=2008 Shareholder Review |url=http://nab2008annualreports.textpacific.com.au/shareholder_review/corporate_responsibility_highlights.asp |accessdate=20 February 2009 |deadurl=yes |archiveurl=https://web.archive.org/web/20090215113927/http://nab2008annualreports.textpacific.com.au/shareholder_review/corporate_responsibility_highlights.asp |archivedate=15 February 2009 }} 77. ^{{cite web|title=NAB Corporate Responsibility Newsletter – July 2010 |url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/7/4/1/3/10/1#11E5799154CCB4C9 |publisher=NAB |accessdate=20 January 2011 |deadurl=yes |archiveurl=https://web.archive.org/web/20110706110814/http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/7/4/1/3/10/1 |archivedate=6 July 2011 }} 78. ^{{cite news|title=Tri-generation plant to cut bank's energy bill|url=http://www.theaustralian.com.au/australian-it/tri-generation-plant-to-cut-banks-energy-bill/story-e6frgakx-1225844000091|accessdate=20 January 2011|newspaper=The Australian|date=23 March 2010|first=Fran|last=Foo}} 79. ^{{cite news|title=NAB achieves carbon neutral status (with carbon offsets)|url=http://dynamicbusiness.com.au/articles/articles-finance-cash-flow/national-australia-bank-nab-carbon-neutral-2048.html|accessdate=20 January 2011|newspaper=Dynamic Business|date=30 September 2010}} 80. ^{{cite web|title=Environment|url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/7/5?WT.ac=UNO&WT.seg_1=UNO|publisher=NAB|accessdate=20 January 2011}} 81. ^{{cite web|url=http://www.nab.com.au/wps/wcm/connect/nab/nab/home/About_Us/4/1/1/7/6 |title=NAB Sheikh Fehmi El-Imam Scholarship |publisher=NAB |accessdate=14 April 2010 |deadurl=yes |archiveurl=https://web.archive.org/web/20091024134248/http://www.nab.com.au/wps/wcm/connect/nab/nab/home/about_us/4/1/1/7/6 |archivedate=24 October 2009 }} 82. ^1 {{cite news|last1=Gaskin|first1=Lee|title=NAB signs on as AFL Women's League naming-rights sponsor|url=http://www.afl.com.au/news/2016-10-10/nab-signs-on-as-afl-womens-league-namingrights-sponsor|accessdate=2 February 2017|work=AFL Media|publisher=Bigpond|date=10 October 2016}} 83. ^{{cite web|url= http://www.asic.gov.au/asic/asic.nsf/byheadline/06-221+Former+NAB+foreign+currency+options+traders+sentenced?openDocument|title= Former NAB foreign currency options traders sentenced|date= 4 July 2006|publisher= Australian Securities and Investments Commission|deadurl= yes|archiveurl= https://web.archive.org/web/20070928000543/http://www.asic.gov.au/asic/asic.nsf/byheadline/06-221+Former+NAB+foreign+currency+options+traders+sentenced?openDocument|archivedate= 28 September 2007|df= dmy-all}} 84. ^{{cite web|url= https://www.bsibank.com/en/Group-sites/Trust-Bahamas.html|title= BSI Corp website|date=February 2014|publisher=BSI Corp.}} 85. ^{{cite web|url= http://www.aspectfinancial.com.au/asxdata/20071214/pdf/00795459.pdf|title= ASIC Form 603 - Notice of initial substantial holder|date=December 2007|publisher=Australian Securities & Investment Commission}} 86. ^{{cite web|url= http://www.smh.com.au/business/allco-hit-calls-it-quits-20081109-5kvr.html|title= Allco HIT calls it quits - SMH|date=November 2008|publisher=Sydney Morning Herald}} 87. ^{{cite web|url= http://www.asic.gov.au/asic/asic.nsf/byheadline/06-169+Former+NAB+financial+planner+pleads+guilty+to+fraud+charges?openDocument|archive-url= https://web.archive.org/web/20110323123246/http://www.asic.gov.au/asic/asic.nsf/byheadline/06-169+Former+NAB+financial+planner+pleads+guilty+to+fraud+charges?openDocument|dead-url= yes|archive-date= 2011-03-23|title= Former NAB financial planner pleads guilty to fraud charges|date= May 2006|publisher= Australian Securities and Investments Commission}} 88. ^{{cite web |url= http://www.odce.ie/Portals/0/Documents/Media%2520and%2520Publications/Publications/Statutory%2520Reports/NIB/NIB_Summary.pdf |title= Summary of Report of the Investigation into the affairs of National Irish Bank Ltd and National Irish Financial Services Limited |authors= Mr Justice John Blayney and Mr Tom Grace FCA |date= 30 July 1998 |publisher= The High Court |format= PDF |access-date= 6 February 2014 |archive-url= https://web.archive.org/web/20160304184235/http://www.odce.ie/portals/0/documents/media%20and%20publications/publications/statutory%20reports/nib/nib_summary.pdf |archive-date= 4 March 2016 |dead-url= yes |df= dmy-all }} 89. ^{{cite news|url=http://home.eircom.net/content/irelandcom/topstories/6599623?view=Eircomnet |title=Ex-NIB executive barred for 10 years by court |publisher=Eircom.net |date=27 October 2005 |deadurl=yes |archiveurl=https://web.archive.org/web/20060112235037/http://home.eircom.net/content/irelandcom/topstories/6599623?view=Eircomnet |archivedate=12 January 2006 }} 90. ^{{cite press release|url=http://www.odce.ie/_fileupload/new/NIB_Disqualification_Applications_Hearing50728.doc |publisher=Director of Corporate Enforcement |title=ODCE seeks nine disqualifications arising from National Irish Bank / National Irish Bank Financial Services Report |date=28 August 2005 |format=DOC }}{{dead link|date=June 2016|bot=medic}}{{cbignore|bot=medic}} 91. ^{{Cite web|url=https://www.law.cornell.edu/supct/cert/08-1191|title=Morrison v. National Australia Bank (08-1191)|last=Staff|first=LII|date=2010-03-21|website=LII / Legal Information Institute|language=en|access-date=2017-04-10}} 92. ^{{cite web|url = http://www.marketforces.org.au/fuelingthefire/#renewables-fossil-fuels|title = Fueling The Fire 162016|date = August 2016|publisher = Market Forces}} 93. ^{{cite web|url = http://www.marketforces.org.au/wp-content/uploads/2015/07/Fueling-the-Fire-lores.pdf|title = Fueling The Fire: How the big banks are using our money to support the dirty fossil fuel industry|date = June 2015|publisher = Market Forces}} 94. ^{{cite web|url = http://www.smh.com.au/business/markets/banks-excluded-from-first-fossilfree-australian-shares-index-20150901-gjccg4.html|title = Banks excluded from first fossil-free Australian shares index|date = 1 September 2015|publisher = The Sydney Morning Herald}} 95. ^{{cite web|url = http://www.myfuturesuper.com.au/|title = Future Super}} 96. ^{{cite web|url = http://www.australianbankingfinance.com/banking/suit-filed-for-cba-to-come-clean-on-dirty-fuel/|title = Suit filed for CBA to come clean on dirty fuel|date = 15 October 2014|publisher = Asia-Pacific Banking & Finance}} 97. ^{{cite web|url = http://edge.media-server.com/m/p/an5itb49|title = 2015 AGM webcast|date = 17 December 2015|publisher = National Australia Bank}} 98. ^{{cite web|url = http://www.smh.com.au/environment/climate-change/coal-climate-change-collide-as-customers-query-banks-green-credentials-20140519-zri07.html|title = Coal, climate change collide as customers query banks' green credentials|date = 20 May 2014|publisher = The Sydney Morning Herald}} 99. ^{{cite web|url = http://www.smh.com.au/business/carbon-economy/bank-accounts-closed-in-fossil-fuels-protest-20140502-37mu3.html|title = Bank accounts closed in fossil fuels protest|date = 2 May 2014|publisher = The Sydney Morning Herald}} 100. ^{{cite web|url = http://www.smh.com.au/business/mining-and-resources/national-australia-bank-rules-out-funding-adanis-carmichael-coal-mine-20150902-gjdsfl.html|title = National Australia Bank rules out funding Adani's Carmichael coal mine|date = 3 September 2015|publisher = The Sydney Morning Herald}} External links{{Commons category|National Australia Bank}}
9 : Banks of Australia|Companies listed on the Australian Securities Exchange|Companies formerly listed on the London Stock Exchange|Companies formerly listed on the New York Stock Exchange|Companies formerly listed on the Tokyo Stock Exchange|Companies based in Melbourne|1858 establishments in Australia|Banks established in 1858|National Australia Bank |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 随便看 |
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
开放百科全书收录14589846条英语、德语、日语等多语种百科知识，基本涵盖了大多数领域的百科知识，是一部内容自由、开放的电子版国际百科全书。