National Australia Bank Ltd

National Australia Bank Ltd

Rating: Aa3/AA/AA Amount: Eu400m

Maturity: September 30, 2005

Issue/re-offer price: 99.999

Coupon: three month Euribor plus 7.5bp

Spread at all-in: Euribor plus 11bp

Launched: Wednesday September 18

Joint books: Nomura, Royal Bank of Scotland

Bookrunners' comment:

Nomura - The transaction went well. We built the book in 24 hours and went out offering the deal in the area of 9bp over and that is where it got priced. The issue was heavily oversubscribed and we had to turn away investors.

This is a clear indication that the deal was well supported at the right price. NAB is a well known name in the Asian time zone and half of the deal was sold into non-Japan Asia, with 35% going into the UK and rest placed in Europe. Banks were the dominant buyers of this paper, but there was also interest from asset mangers.

RBS - The transaction was sold at 9bp over Euribor against an all-in of plus 11bp with about 25% of the issue distributed in Asia and the balance to European banks.

The borrower only wanted to do Eu400m so the size was not a reflection of demand. In fact we had sufficient interest to warrant Eu500m at the 9bp level and we had substantial further demand at wider levels.

There are very few double-A credits available for investors to buy and so the positive response was not surprising even though NAB has been a frequent issuer recently.

The issue is now (Wednesday afternoon) trading at 9bp-7bp and nobody is offering paper.

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