The Commonwealth Bank profit was no good.  Nor the Bendigo and Adelaide Bank profit on Monday. Turning the story around, but lacking conviction, is the NAB 3rd quarter net profit of A$1.70 billion yesterday.The average quarterly profit for National Australia Bank in the first half was $1.35 billion; "a slightly higher group margin" and "growth in SME lending" lay behind a one per cent rise in revenue over the quarter.Asset quality is down at NAB, arrears on prime loans in the Australian mortgage book one-fifth higher than a year ago, at 0.85 per cent of gross loans, and on the low side of industry norms reported by Moody's yesterday for RMBS funded lending.The credit impairment charge reeks of unsatisfactory conditions, up 10 per cent to $247 million in comparison with the first half quarterly average.As for the Net Promoter Score, NAB are watering this down with the Finance Sector Union on the case.The NPS is bad news at NAB, minus 14 in priority segments.