"As our bonus pool is based on cash earnings and return on equity then we can also expect and know that bonus pool will also be reduced." He also mentioned that write-downs and provisions would decrease the banks common equity tier 1 capital ratio by 33 basis points. NABs British units, including Clydesdale Bank and Yorkshire Bank, are under heavy regulatory observations mostly because of customer claims of insurance and hedging products sold before the financial crisis. The Australian giant has decided to set aside a substantial amount of money for possible compensation. Earlier this year, the bank had agreed to sell $1 billion of non-performing U.K. commercial property loans to a private-equity firm, called Cerberus Global Investors. The bank had said that it will continue to sell non-core assets.