Wholesale Banking Performance Analysis

86 National Australia Bank Additional Information Business Banking Personal Banking Wholesale Banking NAB Wealth NZ Banking UK Banking Great Western Bank Specialised Group Assets Asia Asset Quality Capital and Funding Economic Outlook <nab MLC Ca Clydesdale Bank Yorkshire Bank Bank of New Zealand Great Western Bank Group portfolio Gross loans and acceptances by product and by business unit as at March 2012 Term Lending 30% Acceptances 8% Overdrafts 3% Leasing 3% Credit Cards 2% Housing Loans Other 1% 53% SGA Personal NZ Banking 1% 9% - Banking 30% Risk rated non-retail exposures¹ 27% 26% 23% 24% Other 36% 35% 37% 41% UK Banking 11% BBB+ to BBB- 73% 74% 77% 76% Wholesale Banking 3% A+ to A- Investment 19% Grade Equivalent Investment 18% Grade Equivalent Investment 18% Grade 18% Equivalent Investment Grade Equivalent AAA to AA- 18% 21% 22% 17% Business Banking 41% GWB 1% NAB Wealth, Other 4% Sep 10 Mar 11 Sep 11 Mar 12 90+ DPD & impaired assets as a % of gross loans and acceptances by product 2.0% 1.5% 1.0% 0.5% 0.0% 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 90+DPD Impaired (1) Expected loss is the product of Probability of Default x Exposure at Default x Loss Given Default. The calculation excludes defaulted assets National Australia Bank

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