Wholesale Banking Performance Analysis
UK Banking: Net interest margin
March 12 v September 11
0.07%
(0.11%)
(0.09%)
(0.04%)
(0.05%)
2.33%
(0.01%)
(0.01%)
Customer margin down 17bps
2.09%
Sep 11
Lending Margin
Deposits
Funding & Liquidity
Costs
Liability Mix
Lending Mix
Liquids (volumes)
Other
Mar 12
March 12 v March 11
2.33%
0.21%
(0.14%)
(0.21%)
Mar 11
Lending Margin
Customer margin down 17bps
Deposits
63 Ce Clydesdale Bank
Yorkshire Bank
Funding mix
Stable funding index
(0.03%)
(0.07%)
2.09%
Funding & Liquidity Costs
Liability Mix
Lending Mix
Mar 12
National Australia Bank
105.3%
20.1%
93.8%
11.9%
96.7%
97.1%
11.8%
9.9%
75%
73%
70%
71%
85.2%
81.9%
84.9%
87.2%
Sep 10
Stable funding index (SFI) based on spot balances
CFI
Mar 11
Sep 11
TFI
Retail cover ratio
Mar 12
64
Ca Clydesdale Bank Yorkshire Bank
National Australia BankView entire presentation