Wholesale Banking Performance Analysis
Personal Banking
Sequential margin analysis
0.07% (0.06%)
(0.11%)
(0.02%)
(0.04%)
0.01%
2.17%
Customer margin
down 12bps
2.02%
Mar 12
Other
Lending Mix
Liability Mix
Funding & Liquidity Costs
Deposits
Lending Margin
Sep 11
Home loan multiple of system growth¹
(x)
B&DD charge
($m)
262
220
231
116
16
163
169
138
Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
Australian mortgages - cumulative 30+ DPD
4.5%
4.0%
3.5%
3.4
3.3
3.0%
2.7
2.5%
2.2
2.0%
1.1
1.5%
1.0%
0.5%
0.0%
Mar 10
Sep 10
Mar 11
Sep 11
Mar 12
0
3
6
9
12
Months on books
15
18
21
24
―2006 2007 2008
2009
2010 2011 2012
21
(1) RBA Financial System/NAB
22
Wholesale Banking
Cash earnings and underlying profit
($m)
National Australia Bank
Steady growth in customer income
($m)
1,219
997
895
859
495
426
174
754
375
541
518
428
393
400
302
268
685
724
520
571
Sep 10
Mar 11
Cash earnings
Sep 11
Mar 12
Underlying profit
B&DD charge
($m)
16
10
(12)
Sep 10
Mar 11
Customer
Sep 11
Risk
Mar 12
⚫ Customer comprises Sales, Asset Servicing, Specialised Finance and Financial Institutions Group
⚫ Risk comprises FICC and Treasury
Risk income
($m)
20
905
20
47
738
15
15
429
33
495
420
426
10
404
362
375
200
92
148
158
169
174
476
5
270
318
256
268
206
107
295
67
Sep 10
Mar 11
Sep 11
Mar 12
Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11
VaR (traded) (RHS)
Treasury
FICC
Mar 12
National Australia BankView entire presentation