Wholesale Banking Performance Analysis
Market share gains
Australian housing lending market share¹
Australian business lending market share¹
14.5%
14.7%
21.5%
22.1%
22.2%
22.4%
22.9%
13.8%
20.5%
13.3%
12.8% 12.8%
Sep 09 Mar 10 Sep 10 Mar 11
Sep 11
Mar 12
Sep 09 Mar 10
Sep 10
Mar 11
Sep 11
Mar 12
Australian household deposit market share²
New Zealand market share³
22%
20%
18%
14.5%
14.1%
14.2%
16%
13.4%
13.6%
13.1%
14%
Sep 09 Mar 10 Sep 10
Mar 11 Sep 11 Mar 12
(1) RBA Financial System
7
(2) APRA Banking System
(3) RBNZ (historical market share rebased with latest revised RBNZ published data)
Sep 09
Housing
Mar 10
Sep 10
Agribusiness
Mar 11
Sep 11
Retail deposits
Mar 12
National Australia Bank
Transfer UK CRE assets to NAB and put into run-off
Rationalise Financial Solutions Centres (FSC)
footprint
UK CRE run-off profile - contractual maturity¹
(£bn)
7.0
6.0
5.0
4.0
3.0
2.0
1.0
2012 2013 2014 2015 2016 2017 2018
Costs and benefits profile
West
14 FSCs
Current: 17
Scotland
13 FSCs
Current: 16
South
9 FSCs
Current: 31
East
8 FSCs
Current: 9
Total UK CRE provision coverage
Mar 12
Total costs and impact
Total
Group Capital
on Group capital ratio
(£m)
(£m)
bps
4.4%
Restructuring
195
(159)
(7)
Goodwill write-off
141
2.5%
11.9%
PPI
120
(120)
(5)
2.4%
7.5%
Total
456
(279)
(12)
2.6%
Forecast Benefits (£m)
FY13
FY14
FY15
Actual
35
63
74
Specific Collective
Provision Prov
UK CRE
overlay
Total prov Partial
Write-offs
Implied
CRE
Coverage
Cumulative FTE²
831
958
987
(1) Reflects contractual maturity which is subject to ability of customers to refinance or repay on maturity
8
(2) This includes 191 transferred roles to NAB associated with the CRE portfolio and excludes current year initiatives
National Australia BankView entire presentation