Wholesale Banking Performance Analysis
UK Banking: Asset quality
Total 90+ DPD as a % of GLAS
(£m)
350
300
250
200
150
100
50
0
Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
90+ DPD (£m)
90+ DPD as % of GLAS
90+ DPD as a % of GLAS by product
(%)
0.6
0.4
0.2
0.0
Mortgages
קן
Business Loans
Personal
Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
67
Ce Clydesdale Bank
Yorkshire Bank
Coverage ratio
(%)
1.2%
2.5
1.0%
2.0
0.8%
1.5
0.6%
1.0
0.4%
0.2%
0.5
0.0
Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
Coverage ratio (Total Provisions to GLAS)
B&DD charge
(£m)
253
183
164
151
145
282
Sep 09
Mar 10
Sep 10
Mar 11
Sep 11
Mar 12
National Australia Bank
UK Banking: Asset quality
90+ DPD and GIAs as a % of GLAS
Gross impaired assets
(£m)
(%)
3.44
3.68
1,000
3.0%
3.15
2.98
3.12
0.79
800
2.5%
2.60
0.80
0.81
0.57
2.0%
0.89
600
0.85
1.5%
400
1.0%
2.64
2.09
2.34
2.55
2.89
200
1.75
0.5%
0
0.0%
Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
Sep 09
Mar 10
Sep 10
Mar 11
Sep 11
Mar 12
Gross impaired assets
Gross impaired assets as % of GLAS
GIA as % of GLAS
90+ DPD as % of GLAS
UK CRE credit quality¹
(%)
UK Credit quality excluding CRE
8.67 9.16
9.55
10.0
12.37
1.91
(%)
1.99
1.80
1.64
0.88
1.42
1.43
0.65
1.55
6.92
1.52
1.47
1.28
0.55
1.14
0.64
0.50
4.66
1.34
0.72
10.46
0.70
0.88
9.12
0.66
7.15
7.69
8.13
5.58
3.78
1.34
1.25
1.00
1.05
0.71
0.48
0.58
Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12
CRE 90+ DPD as % of CRE GLAS
CRE GIA as % of CRE GLAS
(1) Reflects credit quality of total CRE portfolio
68
Ca Clydesdale Bank
Yorkshire Bank
Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11
90+ DPD (ex CRE) as % of GLAS (ex CRE)
■GIA (ex CRE) as % of GLAS (ex CRE)
Mar 12
National Australia BankView entire presentation