Wholesale Banking Performance Analysis

Business Banking, Personal Banking and NAB Wealth Portfolio breakdown - total $362.8bn Overdraft 2% Other 1% Credit Cards 2% Personal Loans 1% Bills 11%- Term Loans - Business 24% Australian Mortgages Owner Occupied Investment Low Document Proprietary Mar 12 Sep 11 Mar 11 70.8% 70.2% 68.6% 29.2% 29.8% 31.4% 2.4% 2.4% 2.0% 68.0% 69.0% 70.6% Mortgages 59% Third Party Introducer 32.0% 31.0% 29.4% LMI Insured % of Total HL Portfolio 14.7% 14.4% 14.7% Current Loan to Value Ratio (CLVR)1 55.8% 52.4% 50.2% Customers ahead 3 repayments or more¹ 45.4% 45.7% 46.0% Average loan size $ ('000) $258.4 $254.9 $247.5 90+ days past due 0.55% 0.48% 0.54% Impaired loans 0.27% 0.29% 0.28% Specific provision coverage 20.2% 19.6% 18.2% Loss rate 0.06% 0.06% 0.06% 91 (1) Ratio excludes Advantedge mortgages portfolio Australian Mortgages¹ - $213bn Geography Vic 30% Qld 20% SA 5% NSW 34% WA 11% Customer segment Investor 29% First home buyer 9% 92 (1) Excludes Wholesale Banking National Australia Bank Low doc loans ▸ $5.1bn outstanding (2.4% of housing book) ▸ LVR capped at 60% (without LMI) Origination source Mar 12 Sep 11 Mar 11 Sep 10 - flows (Australia) Proprietary 64% 61% 60% 61% Broker 29% 31% 32% 31% Owner occupied 62% Introducer 7% 8% 8% 8% National Australia Bank

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