NAB expects to take a further £245 million in provisions for long-standing "conduct" issues in its UK business.The bank is at last starting to cater to imminent losses on interest rate hedging products provided in connection with fixed rate business loans advanced years ago, a hint that the run of bad news for NAB in the UK might soon come to an end.The bank won't recognise the UK losses, though, until its full year result, leaving the bank free yesterday to report a seven per cent rise in cash to A$1.6 billion for the June 2014 quarter. This is "around two per cent above the quarterly average of the March 2014 half year result," NAB noted in its announcement.The additional UK costs chronicled by the bank yesterday were:•    Increased costs of administering the payment protection insurance remediation program.•    New developments, including the implementation of a new complaints handling process, which is likely to lead to increased payments both for new complaints and in revisiting closed complaints.•    The need to extend the examination of historical records dating back to pre-2000 periods, including unindexed microfiche records.•    Higher than expected levels of new complaints.•    The fact that Clydesdale Bank is subject to an enforcement process with the Financial Conduct Authority in relation to its previous PPI complaints handling processes, the outcome of which is not yet known.NAB said "the ability to reliably estimate the impact of these developments remains uncertain."