Wholesale Banking Performance Analysis

Personal Banking: Asset quality B&DD charge ($m) Cards & personal loans 90+ DPD (40.5%) 15.3% (22.5%) 1.16% 1.09% 163 138 169 116 0.98% 1.15% Sep 10 Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 Mortgage 90+ DPD and impaired 0.67% 0.61% 0.56% 0.53% Total 90+ DPD and impaired ($m) 836 851 873 789 Sep 10 Mar 11 Sep 11 Mar 12 Sep 10 Mar 11 Sep 11 Mar 12 43 nab Personal Banking: Net interest margin March 12 v September 11 2.17% National Australia Bank 0.07% (0.06%) (0.11%) (0.02%) (0.04%) 0.01% Customer margin down 12bps 2.02% Sep 11 Lending Margin Deposits Funding & Liquidity Costs Liability Mix Lending Mix Other Mar 12 March 12 v March 11 44 nab 2.22% 0.08% (0.08%) (0.10%) (0.06%) (0.08%) 0.04% Customer margin down 16bps 2.02% Mar 11 Lending Margin Deposits Funding & Liquidity Costs Liability Mix Lending Mix Other Mar 12 National Australia Bank

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