Wholesale Banking Performance Analysis
Commercial Real Estate - Group Summary1
Total $60.0bn
12.2% of Gross Loans & Acceptances
Aus
UK²
NZ
USA²
SGA
Asia/Other
Total
TOTAL CRE (A$bn)
43.0
9.2
5.4
1.2
0.4
0.8
60.0
Increase/(decrease) on Sep 11 (A$bn)
0.1
(0.7)
(0.1)
(0.2)
(0.4)
0.4
(0.9)
% of GLAS
11.4%
17.8%
11.9%
21.3%
10.2%
17.4%
12.2%
Change in % on Sep 11
(0.3%)
(0.6%)
(0.3%)
(2.4%)
(6.3%)
6.2%
(0.4%)
Group Commercial Property by type
Industrial 15%
Other 6%
Land 9%
Group Commercial Property by geography
Residential
14%
Tourism &
Australia
72%
Leisure 5%
Retail 24%
Office 27%
United
Kingdom
15%
New
Zealand 9%
USA 2%
Asia 1%
SGA 1%
95
(1) Measured as balance outstanding at March 2012 per APRA Commercial Property ARF definitions
(2) Excludes SGA
National Australia Bank
Commercial Real Estate - Business Banking
Total $42.9bn
11.4% of Australian geography
Gross Loans & Acceptances
State
NSW
VIC
QLD
Other
Total
Location %
34%
26%
22%
18%
100%
Loan Balance < $5m
10%
10%
7%
5%
32%
Retail 26%
Loan Balance > $5m < $10m
4%
4%
3%
2%
13%
Loan Balance > $10m
20%
12%
12%
11%
55%
Loan tenor <3 yrs
26%
22%
19%
15%
82%
Land 9%
Loan tenor > 3 < 5 yrs
6%
3%
2%
2%
13%
Office 29%
Loan tenor > 5 yrs
2%
1%
1%
1%
5%
Other 6%
Average loan size $m
3.4
2.5
3.0
3.1
3.0
Security Level¹- Fully Secured
25%
22%
17%
15%
79%
Partially Secured
4%
4%
4%
2%
14%
Industrial 16%
Unsecured
5%
0%
1%
1%
7%
Residential
10%
Tourism &
Leisure 4%
90+ days past due
Impaired loans
0.13% 0.08%
0.08%
0.02% 0.31%
1.07%
Specific provision coverage
15.6%
0.26% 1.52%
19.3%
0.06%
2.91%
16.0%
25.1%
16.4%
Vic 26%
Qld 22%
Trend
Mar 12
Sep 11
Mar 11
90+ days past due
0.31%
0.20%
0.43%
Impaired Loans
2.91%
3.12%
2.80%
Specific Provision Coverage
16.4%
14.7%
16.6%
NSW 34%
Other 18%
96
(1) Fully Secured represents loans of up to 70% of the Market Value of Security. Partially Secured are
over 70%, but not Unsecured. Unsecured is primarily Negative Pledge lending
National Australia BankView entire presentation