Wholesale Banking Performance Analysis

9 10 Balance sheet strength Collective provisions and GRCL top-up to credit risk weighted assets peer comparison¹ Collective provisions and GRCL top-up to credit risk weighted assets (%) (%) 1.20% 1.25% 1.32% 1.29% 1.45% 1.44% 1.41% 1.32% 0.10% 0.30% 0.07% 0.31% 0.32% 0.31% 0.30% 1.20% 1.15% 1.22% 1.02% 1.14% 1.12% 1.10% 1.02% Peer 1 Peer 2 NAB Collective Provision GRCL top-up Peer 3 Sep 10 Mar 11 Sep 11 Mar 12 Collective Provision GRCL top-up Basel II core tier 1 ratios peer comparison¹ (%) Basel II core tier 1 ratio (%) 8.92% 8.03% 8.03% 7.67% 7.96% 7.58% 6.91% 6.80% 7.12% Peer 1 Peer 2 NAB Peer 3 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12 (1) Peer ratios as last reported National Australia Bank Transforming the way we do business Key programmes Significant achievements Infrastructure & Network Transformation ▸ Contact centre voice infrastructure rollout near completion ▸ Signed deal for new secure technology data centre, to be opened in 2013 Re-platforming Programme (NextGen) ▸ Successful implementation of major technology foundational release of NAB's new banking platform Customer Process Transformation ▸ Broker channel service uplift - ranked 5th in 2010, now 1st in The Adviser Third Party Banking Report Major Lenders 2012 ▸ Enhanced mobile solutions FY12 priorities ▸ Contact centre voice infrastructure completion ▸ Continue to progress payments systems replacement ▸ Continue to upgrade technology infrastructure ▸ Build customer relationship management and single customer view capability ▸ Test new credit risk engine ▸ Deploy funds transfer pricing capability ▸ New private client platform launch ▸ Extend UBank product capabilities ▸ Continue transforming customer processes to provide a better banking experience National Australia Bank

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