Wholesale Banking Performance Analysis

88 87 Group gross loans and acceptances Group asset composition - growth by product segment ($bn) Non Retail Retail portfolio - outstandings volume ($bn) Retail - secured Retail - unsecured -15 -10 -5 0 5 10 15 20 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12 Industry balances ($bn) Government and public authorities | Real estate construction Manufacturing Personal lending Asset and lease financing Financial, investment and insurance Agriculture, forestry, fishing & mining Other commercial and industrial Commercial property services Real estate - mortgage Sep Dec ●៖ ៖ ៖ ៖ ៖ ៖ Sep 09 2 2 8 Dec 09 Mar 10 10 10 1 10 unc Sep 10 Sep 11 Dec 11 Mar 12 Group Retail Outstandings -12 Month Rolling Growth Rate Gross loans and acceptances by geography Mar 11 Asia 0.9% Mar 12 United States 1.2% New Zealand 9.3% 0 40 80 120 160 200 240 280 Note: These charts use spot exchange rates. Change in exchange rates relative to the Australian dollar since 2008 has partly affected growth rates Europe 11.9% Australia 76.7% National Australia Bank Group portfolio – change over three year period - March 2012 - Gross loans and acceptances by product March 2012 - Gross loans and acceptances by geography Housing Loans 53% Term Lending 30% Acceptances 8% Overdrafts 3% Leasing 3% Credit Cards 2% Other 1% Asia 0.9% United States 1.2% New Zealand 9.3% Europe 11.9% Australia 76.7% March 2009 - Gross loans and acceptances by product March 2009 - Gross loans and acceptances by geography Housing Loans 45% Term Lending 30% Acceptances 13% Overdrafts 4% Leasing 4% Credit Cards 2% -Other 2% Asia 0.7% United States 1.9% New Zealand 10.2% Europe 18.7% Australia 68.5% National Australia Bank 14% 12% 10% 8% 6% 4% 2% 0% -2%

View entire presentation