Wholesale Banking Performance Analysis

UK Banking: Other operating income and expenses March 12 v March 11 Other operating income March 12 v September 11 Other operating income (£m) 134 (£m) 14 (4) (2) 142 153 8 (14) (5) 142 Mar 11 PPI Refunds in prior period Fees and commissions Other Mar 12 Sep 11 Profit Share Fees and commissions Other Mar 12 Operating expenses (£m) 358 359 363 363 359 353 348 344 325 Mar 08 Sep 08 Mar 09 Sep 09 Mar 10 Sep 10 Mar 11 Sep 11 Mar 12 65 Ce Clydesdale Bank Yorkshire Bank National Australia Bank UK Banking portfolio composition March 2012 Total portfolio composition £33.5 bn Business 52% Gross Loans & Acceptances £33.5bn 100% Mortgages 44% Business Lending £17.5bn 52% Mortgages £14.6bn 44% Unsecured £1.4bn 4% Commercial Property Unsecured 4% £6.0bn 34% Non Property £11.5bn 66% Residential £11.7bn 80% IHL £2.9bn 20% PL Cards Other £0.7bn £0.5bn £0.2bn 47% 33% 20% Pro forma portfolio composition (post CRE transfer to NAB) Mortgages 53% Business 42% £27.3 bn Unsecured 5% Investment £5.1bn 85% Development £ 0.9bn 15% 66 Ca Clydesdale Bank Yorkshire Bank National Australia Bank

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