Institutional banking is a discipline rediscovered at National Australia Bank in its recent most "restructure". It may also be a discipline in retreat, one reading of NAB's full year results to September 2016 suggests.??A "reduced exposure to institutional lending" is a recurring phrase in NAB's results pack, for an entity labelled as "Global Institutional Banking and capital financing". NAB put "gross lending assets" for GIB at A$58 billion, down from $60.3 billion six months earlier.??The bank did say there was $5.8 billion of "corporate and institutional loan run-off in FY16", informed by "single digit ROEs".??Overall in institutional lending NAB said the return on equity was less than half the ROE on NAB Business, agribusiness and wealth.??One measure cited by NAB was that business lending income decreased by A$15 million or 4.7 per cent "as a result of lower fees from institutional clients."??On the other hand lending for "institutional and corporate" increased by 7.3 per cent and 6.5 per cent over each of the two prior half years, both faster than for middle market "business lending."