On a cash basis, earnings were A$6.6 billion, up 2.5 per cent on the previous comparable period (cash profit in 2016 excluded these one off losses from divestment of non-core businesses). The latest profit announcement shows NAB is heading back to where it was in 2015, having dealt with the losses from the sale of the Clydesdale and Yorkshire Bank in the UK and loss on sale of 80 per cent of NAB's life insurance business, both in the year to September 2016. Income: Net interest income rose 1.8 per cent to $13.2 billion, while other operating income jumped 5.0 per cent to $4.7 billion. Net operating income was up 2.5 per cent to $17. 895 billion.Impairment charges and credit quality: The charge for bad and doubtful debts was $810 million - an increase of just 1.3 per cent over the previous corresponding period. The ratio of impaired assets to gross loans and acceptances was down 15 bps to 0.70 per cent.Margin: The bank's net interest margin fell three basis points to 1.85 per cent.Return on equity: ROE was 10.9 per cent. On a cash basis the ROE fell 30bps from 14.3 per cent to 14.0 per cent.Earnings per share: On a cash basis, earnings per share rose 4.4 cents per cent to $2.40 - allowing for dilution of shares on issue.Dividends: The bank declared a final dividend of 198 cents a share, unchanged from the March half. The dividend payout ratio was 79.4. per cent, compared with 80.8 per cent in 2015/16.Capital: NAB's common equity tier one capital ratio was 10.06 per cent - up 29bps. The bank expects to meet APRA's 'unquestionably strong' target of 10.5 per cent "in an orderly manner" by January 2020.The divisions: Business and Private Banking contributed $2.8 billion to group cash earnings, up 6.3 per cent on the previous corresponding period. Corporate and Institutional Banking added 1.535 billion in cash earnings, and increase of 12.3 per cent. Consumer Banking and Wealth contributed $1633 million - up 4.3 per cent. New Zealand Banking contributed $941 million - up 8.9 per cent. NOTE re divisions: Following the previously announced changes to the Group's organisational structure and the Executive Leadership team effective from 1 August 2016, the Group has changed its management financial information to align to customer segments, resulting in new Australian reportable segments.