Wholesale Banking Performance Analysis

UK Banking CRE provisioning increased UK CRE impaired loan coverage Total UK CRE provision coverage - Mar 12 4.4% 23% 48% 2.5% 11.9% 14% 2.4% 7.5% 25% 11% 2.6% Spec Prov coverage Sep 11 1H12 provisioning Spec Prov coverage Mar 12 Partial write-offs Implied CRE impaired coverage Specific Collective Provision Prov UK CRE overlay Total prov Partial write-offs Implied CRE Coverage Note: CRE specific provision over CRE impaired assets Provision coverage of NPL assets¹ Commercial real estate 61% Total commercial lending Provision coverage of CRE assets 1 7.5% 43% 36% 37% 30% NAB UK Banking CRE² RBS UK Property Lloyds CREI BSU Lloyds Commercial Barclays Note: Total provision over impaired and 90DPD loans (1) Source of peer comparison is 2011 audited financial statements 69 (2) Includes UK CRE overlay of £150m - excluding overlay coverage is 41% 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 UK Banking CRE Note: Total provision over total loans 5.1% RBS UK Property National Australia Bank nab MLC Ca Clydesdale Bank Yorkshire Bank Bank of New Zealand Great Western Bank

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