Wholesale Banking Performance Analysis
20
20
19
Asset quality and coverage ratios
Categorised assets by balance
($bn)
28
90+ DPD & impaired assets as a % of gross
loans and acceptances by product
2.0%
7.0%
24
20
16
12
1.5%
6.0%
5.0%
1.0%
4.0%
3.0%
0.5%
2.0%
1.0%
0.0%
0
0.0%
Mar 09
Sep 09 Mar 10 Sep 10
Mar 11 Sep 11
Mar 12
Watch Loans
90+ Days Past Due
I Impaired Assets
Categorised Assets as % of GLAS
Collective provision
($m)
3,398
Sep 11
Retail
12
(159)
(160)
10
(43)
Business Banking
Business lending volumes¹
($bn)
129.1
Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
■Mortgages Impaired
Business Impaired
■Mortgages 90+ DPD
Business 90+ DPD
Retail Unsecured 90+ DPD
Coverage ratios (including GRCL top-up)
50%
1.5%
1.45%
0.31%
1.44%
1.41%
1.32%
40%
0.32%
0.31%
0.30%
30%
1.0%
20%
1.14%
3,058
0.5%
1.12%
1.10%
1.02%
10%
Mar 12
0.0%
0%
Sep 10
Mar 11
Sep 11
Mar 12
GRCL top-up (pre-tax) as a % of Credit Risk Weighted Assets (LHS)
Collective Provisions as a % of Credit Risk Weighted Assets (LHS)
Specific Provisions as a % of Gross Impaired Assets (RHS)
(%)
0.6
0.1
1.4
0.7
0.4 (0.1)
SME3 B&DD charge
($m)
(21%)
(38%)
130.1
263
190
157
Corporate,
Specialised
Banking
Institutional &
nabbusiness
154
Working
Capital
41%
Services
Mar 12
Business lending market share²
National Australia Bank
22.9
22.2
22.4
22.1
132.2
Sep 10
Mar 11
Sep 11
Mar 12
Net interest margin
(%)
2.66
2.57
2.56
2.50
Sep 10
Mar 11
Sep 11
Mar 12
Sep 10
Mar 11
Sep 11
Mar 12
(1) Updated to reflect transfers of customers between business units
(2) RBA Financial System/NAB
(3) SME business data reflects the nabbusiness segment of Business Banking which supports business customers with lending
typically up to $25m, excluding the Specialised Businesses
National Australia Bank
Impaired
90+DPDView entire presentation