<THE NATIONAL BANK OF NEW ZEALAND LTD> Year to December 31, 1986 Net profit 78 mln N.Z. Dlrs vs 45 mln Pre-tax profit 147 mln vs 88 mln Total assets 7.7 billion vs 6.4 billion Notes - The company is 100 pct owned by Lloyds Bank Plc <LLOY.L>. Results include for the time first a pre-tax profit, of 11 mln N.Z. Dlrs, from Australian unit <Lloyds Bank NZA Ltd>.