Wholesale Banking Performance Analysis

93 94 UK Banking Portfolio breakdown - total £33.5bn UK Mortgages Mar 12 Sep 11 Mar 11 Owner Occupied 79.7% 79.6% 79.6% Investment 20.3% 20.4% 20.4% Low Document 0.0% 0.0% 0.0% Mortgages Commercial Property 18% 44% Proprietary 72.0% 72.8% 75.1% Third Party Introducer 28.0% 27.2% 24.9% LMI Insured % of Total HL Portfolio 1.3% 1.4% 1.5% Loan to Value (at Origination) 62.7% 64.0% 62.5% Loan to Value Indexed 53.5% 53.4% 53.5% Other Unsecured Business 34% 4% Average loan size £ ('000) 97 46 94 90 90+ days past due 0.57% 0.62% 0.76% Impaired loans 0.43% 0.44% 0.38% Specific provision coverage 21.4% 30.1% 22.8% Loss rate 0.11% 0.06% 0.05% NZ Banking Portfolio breakdown - total NZ$58.1bn National Australia Bank New Zealand Mortgages Mar 12 Sep 11 Mar 11 Low Document Loans 0.26% 0.24% 0.22% Commercial Property 12% Proprietary (Distributed by Bank) 100% 100% 100% Mortgages 48% Third Party Introducer 0.0% 0.0% 0.0% Agriculture, Forestry and- Fishing 18% Insured % of Total HL Portfolio¹ 11.4% 10.7% 10.0% Loan to Value (at origination) 63.5% 63.0% 61.7% Retail and Average loan size NZ$ ('000) 252 248 242 Wholesale Trade 4% Manufacturing 4% Other Commercial 11% Personal Lending 3% 90+ days past due 0.31% 0.29% 0.35% Impaired loans 0.46% 0.51% 0.58% Specific provision coverage 38.7% 37.0% 35.0% Loss rate 0.09% 0.08% 0.07% (1) Insured includes both LMI and Low Equity Premium National Australia Bank

View entire presentation