Wholesale Banking Performance Analysis

41 Personal Banking Cash earnings Revenue ($m) 15.7% ($m) (7.2%) 4.7% (0.9%) 1.4% 5.0% 500 426 432 464 1,747 1,731 1,589 1,669 Sep 10 Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 Costs Net interest margin ($m) (%) 891 900 902 866 2.28 2.22 2.17 54.5% 53.4% 51.5% 52.1% 2.02 Sep 10 nab Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 X% Cost to income ratio Personal Banking Housing loans ($bn) 6.4% 10.5% 8.7% Customer deposits National Australia Bank ($bn) 8.3% 5.9% 11.5% 133 125 115 78 68 72 104 61 Sep 10 Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 Housing loan market share¹ Household deposits market share² 14.5% 14.7% 14.5% 14.1% 14.2% 13.8% 13.6% 13.3% Sep 10 Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 42 nab (1) RBA Financial System, NAB (2) APRA Banking System, NAB National Australia Bank

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