National Australia Bank Limited · ASX:NAB
National Australia Bank — Investor Presentation (April 2009)
6 slides from National Australia Bank's investor presentation, Apr 7, 2009
Slide 1: Australian banks cost of funds
Australian banks cost of funds NAB overview As at 7 April 2009 Presentation as at 7 April 2009 Page 1
Slide 2: The facts
The facts Why do banks’ interest rates change? • Interest rates change for a combination of reasons, including: • movements in the Reserve Bank of Australia's official cash rate; • the cost of funding a loan from the wholesale money market in Australia and overseas; • the cost of attracting customer
Slide 3: NAB funding composition
NAB funding composition Consumers and businesses borrow money everyday. This can be for a new home, refinancing a mortgage, business expansion, etc. NAB is approached to lend money to its customers Loan – home loans, business loans, personal loans, etc. Funding Funding for NAB comes from three main
Slide 4: The three main components of NAB's funding
The three main components of NAB’s funding The cost of providing a mortgage has increased significantly since the credit crisis hit in mid-2007. In order to maintain a sustainable position in the future, the interest rates NAB charges its customers needs to responsibly reflect these increased fundin
Slide 5: Customers
Customers • NAB’s standard variable interest rate is 5.74% pa – this is the lowest it has been since 1968. • If certainty is important to customers, they have the option of fixing all or part of their home loan - NAB offers a range of highly competitive fixed interest home loan rates including 1 and
Slide 6: Disclaimer
Disclaimer This document is a presentation of general background information about the Group’s activities current at the date of the presentation, 7 April 2009. It is information in a summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or pot
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