Wholesale Banking Performance Analysis

Change in profile of mortgage approvals LVR breakdown of final approvals (Australian Region) 100% Risk grade distribution of 90%+ LVR 100% 90% 80% 80% 70% 60% 60% 50% 40% 40% 30% 20% 20% 10% 0% 0% Dec 08 Mar Jun 09 09 Sep 09 Dec 09 Mar 10 Jun Sep 10 10 Dec 10 Mar 11 Jun 11 Sep Dec Mar 11 11 Dec 12 08 Mar 09 09 Jun Sep 09 Dec 09 Mar Jun Sep 10 10 10 Dec 10 Mar 11 Jun 11 11 Sep Dec Mar 11 12 LVR 60% or less LVR 80.01% to 90% LVR 60.01% to 70% LVR 70.01% to 80% LVR >90% LVR breakdown of Homeside final approvals Origination Period Very High High Medium Low Very Low Australian mortgages - cumulative 30+ DPD 4.5% 100% 80% 60% 4.0% 3.5% 3.0% 2.5% 40% 2.0% 1.5% 20% 1.0% 0% 0.5% Dec Mar Jun Sep 08 09 09 09 Dec Mar Jun Sep Dec 09 10 10 10 10 Mar Jun Sep Dec Mar 11 11 11 11 12 0.0% LVR 60% or less LVR 80.01% to 90% LVR 60.01% to 70% LVR 70.01% to 80% LVR >90% 0 3. 6 9 12 Months on books 15 18 21 24 ―2006 2007 2008 2009 2010 2011 2012 45 nab Excludes Advantedge mortgages portfolio 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 National Australia Bank nab MLC Ca Clydesdale Bank Yorkshire Bank Bank of New Zealand Great Western Bank

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