89 079 NAB 054 068 102 096 083 085 077 094 098 081 074 068 Appendix

89 079 nab 054 068 102 096 083 085 077 094 098 081

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0.89 0.79 NAB 0.54 0.68 1.02 0.96 0.83 0.85 0.77 WBC 0.5 0.62 0.94 0.98 0.81 0.74 0.68 Appendix 8.2: Loan Loss Prov/Net Interest Rev Loan Loss Prov / Net Int Rev % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 7.15 23.57 30.19 16.25 10.44 9.6 9.29 CBA 6.17 11.7 26.01 19.72 10.16 8.3 8.22 NAB 8.1 15.24 31.16 18.22 13.2 18.97 13.47 WBC 7.62 12.86 27.75 12.27 8.27 9.69 6.58 Appendix 8.3: Loan Loss Res/Impaired Loans Loan Loss Res / Impaired Loans % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 339.64 134.67 89.36 82.77 104.8 103.99 116.08 CBA 292.87 250.81 117.55 106.2 99.94 105.81 111.77 NAB 192.6 137.88 86.02 74.43 64.41 67.49 69.47 WBC 253.52 165.25 116.29 102.75 87.63 87.4 101.17 Appendix 8.4: Impaired Loans/Gross Loans Impaired Loans / Gross Loans % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 0.22 0.74 1.45 1.65 1.16 1.01 0.79 CBA 0.13 0.18 0.86 1 1 0.84 0.7 NAB 0.28 0.49 1.18 1.29 1.29 1.25 1.11 WBC 0.2 0.37 0.81 0.95 0.92 0.85 0.67 Appendix 8.5: Impaired Loans/Equity Impaired Loans / Equity % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 3.02 9.78 15.62 17.79 12.25 10.59 8.22 CBA 1.72 2.61 13.32 14.37 13.81 10.97 8.76 NAB 3.66 6.54 13.52 14.74 14.65 14.28 12.41 WBC 3.03 6.05 10.31 11.43 10.54 9.49 7.58
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32 Appendix 9: Credit Concentration Risk Residential Mortgage Loans mil AUD Year 2007 2008 2009 2010 2011 2012 2013 ANZ 157,384 175,826 188,090 203,258 216,011 231,503 254,219 CBA 192,770 215,743 292,206 323,573 335,841 352,981 372,840 NAB 185,809 199,749 202,538 224,900 253,064 268,729 289,363 WBC 152,496 171,390 284,137 313,797 332,055 345,027 361,921 Net Loans mil AUD Year 2007 2008 2009 2010 2011 2012 2013 ANZ 303,415 349,851 345,769 363,392 397,307 427,823 469,295 CBA 334,186 379,560 481,359 505,028 510,791 535,399 562,711 NAB 386,089 432,188 429,376 441,213 475,858 494,719 516,310 WBC 275,377 313,545 463,459 477,655 496,609 514,445 536,164 Credit Concentration Risk for ANZ Year 2007 2008 2009 2010 2011 2012 2013 Loan Loss Reserves 2,262 3,496 4,526 5,028 4,873 4,538 4,354 Residential Mortgage Loans mil AUD 157,384 175,826 188,090 203,258 216,011 231,503 254,219 Other Loans 148,293 177,521 162,205 165,162 186,169 200,858 219,430 Net Loans 303,415 349,851 345,769 363,392 397,307 427,823 469,295 Gross Loans 305,677 353,347 350,295 368,420 402,180 432,361 473,649
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33 Appendix 10: Deposit Concentration Risk Total Customer Deposits mil AUD Year 2007 2008 2009 2010 2011 2012 2013 ANZ 174,817 199,167 231,845 257,456 297,346 326,848 367,796 CBA 194,647 220,997 293,452 320,163 346,840 379,315 405,273 NAB 208,108 228,913 258,200 283,381 311,946 339,198 365,976 WBC 152,435 173,129 267,293 280,177 310,139 347,722 382,632 Deposits from Banks mil AUD Year 2007 2008 2009 2010 2011 2012 2013 ANZ 19,116 20,092 19,924 21,610 27,535 30,538 36,306 CBA 14,386 17,672 15,109 18,368 19,962 27,371 31,494 NAB 42,566 52,423 36,148 42,022 46,541 35,559 42,174 WBC 9,133 15,861 9,235 8,898 14,512 17,527 19,138 Other Deposits and Short-term Borrowings Year 2007 2008 2009 2010 2011 2012 2013 ANZ 58,926 84,799 62,525 52,927 71,383 70,275 71,878 CBA 59,715 83,172 119,671 98,497 93,012 104,518 104,756 NAB 69,885 113,121 88,353 75,653 95,104 114,602 115,714 WBC 92,025 98,941 97,670 91,605 104,122 77,137 73,074 Deposits & Short term funding mil AUD Year 2007 2008 2009 2010 2011 2012 2013 ANZ 252,859 304,058 314,294 331,993 396,264 427,661 475,980 CBA 268,748 321,841 428,232 437,028 459,814 511,204 541,523 NAB 320,559 394,457 382,701 401,056 453,591 489,359 523,864 WBC 253,593 287,931 374,198 380,680 428,773 442,386 474,844 ANZ Deposit Concentration Year 2007 2008 2009 2010 2011 2012 2013 Total Customer Deposits 174,817 199,167 231,845 257,456 297,346 326,848 367,796 Deposits from Banks 19,116 20,092 19,924 21,610 27,535 30,538 36,306 Other Deposits and Short-term Borrowings 58,926 84,799 62,525 52,927 71,383 70,275 71,878 Total Deposits 252,859 304,058 314,294 331,993 396,264 427,661 475,980
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34 Appendix 11: Liquidity Risk Appendix 11.1: Net Loans/Total Assets Net Loans/ Total Assets (%) Year 2013 2012 2011 2010 2009 2008 2007 ANZ 66.76 66.63 65.76 68.35 72.49 74.39 77.25 CBA 74.64 74.48 76.48 78.14 77.59 77.85 75.92 NAB 63.87 64.83 63.13 64.32 65.64 65.8 67.24 WBC 76.97 76.22 74.1 77.26 78.61 71.31 72.92 Appendix 11.2: Loan/Deposit Loan/Deposit Ratio Year 2007 2008 2009 2010 2011 2012 2013 ANZ 2.00 1.51 1.35 1.17 0.94 0.91 0.71 CBA 2.77 2.03 1.39 1.35 1.20 0.87 0.73 NAB 2.03 1.51 1.46 1.25 1.07 1.03 0.87 WBC 2.69 2.20 1.51 1.42 1.25 0.79 0.65 Appendix 11.3: Liquid Assets/Total Assets Liquidity Asset/Total Assets Year 2007 2008 2009 2010 2011 2012 2013 ANZ 0.10 0.11 0.13 0.11 0.12 0.15 0.15 CBA 0.08 0.07 0.08 0.07 0.06 0.05 0.06 NAB 0.10 0.13 0.12 0.13 0.15 0.13 0.14 WBC 0.14 0.16 0.10 0.10 0.11 0.10 0.10
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35 Appendix 12: Capital Risk Appendix 12.1: Tier 1 Ratio Tier 1 Ratio % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 6.7 7.71 10.56 10.1 10.94 10.83 10.4 CBA 7.14 8.17 8.07 9.15 10.01 10.01 10.2 NAB 6.67 7.35 8.96 8.91 9.70 10.27 10.35 WBC 6.5 7.8 8.1 9.09 9.68 10.3 10.7 Appendix 12.2: Total Capital Ratio Total Capital Ratio % Year 2007 2008 2009 2010 2011 2012 2013 ANZ 10.1 11.1 13.66 11.92 12.07 12.19 12.2 CBA 9.76 11.58 10.42 11.49 11.70 10.98 11.2 NAB 9.99 10.93 11.48 11.36 11.26 11.67 11.8 WBC 9.5 10.8 10.8 10.97 11.04 11.70 12.3 Appendix 12.3: Total assets/ Total capital Total assets/ Total capital Year 2007 2008 2009 2010 2011 2012 2013 ANZ 14.172879 15.385645 13.853819 16.87571 17.88 17.556926 16.987845 CBA 18.377396 20.482776 20.61379 19.339617 20.26 21.627625 20.489658 NAB 16.178857 17.48573 16.637078 17.512178 19.63 19.740532 18.918096 WBC 17.36655 20.738456 18.941337 20.164933 21.68 19.444717 18.499124
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36 Appendix 12.4: Equity / Net Loans Equity / Net Loans % Year 2013 2012 2011 2010 2009 2008 2007 ANZ 9.72 9.64 9.55 9.4 9.38 7.59 7.27 CBA 8.08 7.77 7.30 7.04 6.53 6.89 7.31 NAB 9.03 8.85 8.87 8.83 8.81 7.6 7.74 WBC 8.86 8.98 8.82 8.4 7.89 6.21 6.48 Appendix 12.5: Equity / Tot Assets Equity / Tot Assets %
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