On Friday NAB published its 2019 annual review and its annual financial report for the year to 30 September 2019. Along with the mandatory numbers are measured illustrative items.For instance, NAB's annual review claimed a 42 per cent decline in "critical and high incidents compared with last year in its Australia and New Zealand operations". On 2 September 2019 a hardware failure triggered set off a chain of events that resulted in an outage, blocking customers from access to the New Zealand online banking channels for two hours. "While BNZ identified the problem quickly, the outage caused intermittent impacts to our customers' visibility of their individual transaction history and resolution took several days. A further outage on 5 September 2019 saw further disruptions causing increased calls to our contact centres and negative media coverage." NAB reported. "After a detailed review of the incident, we strengthened many of our operational processes to prevent a similar situation in the future."In the 2019 year, NAB's employee relations team managed 1,278 code of conduct breaches, a slight increase on last year. These instances ranged from personal misconduct (such as repeated unexplained absences) to deliberate breaches of policies and procedures. Of these, 292 cases led to employees "exiting" the business and 986 cases resulted in coaching or other remedial measures.The number of disclosures received under NAB's whistleblower policy lifted to 155 (up from 123 in FY18)Other non-financial data covered aspects of NAB's operations as diverse as ATMs to digital banking.The number of ATMs in Australia and New Zealand declined to 1,601 (compared to 3,328 in FY18). As NAB then explained, the decrease in 2019 was caused by redi and BOQ ATMs (numbering about 1,750) no longer being part of the NAB ATM fleet. QuickBiz, the bank's unsecured business lending solution, provides access to finance of up to A$100,000 and accounts for 47 per cent of new unsecured small business lending with more than 80 per cent of all transaction account applicants on-boarded within thirty minutes.NAB's digital bank offshoot, UBank, said its customer numbers increased by 40 per cent over the two years to September 2019. 2019, UBank saw its fastest ever year of customer growth, growing 19 per cent with over 100,000 new customers. It claimed two "world firsts":•    the launch of Mia, UBank's latest artificial intelligence project and the world's first digital human home loan application assistant; and•    the world's first 'green' term deposit for consumers, certified by the Climate Bonds Initiative, which allows customers to match their savings to renewable energy projects, such as wind and solar power and low carbon transport and buildings.