The problems may be the same at NAB.So the need for progress will be prominent in the minds of those now steering NAB.Andrew Thorburn is sliding into the CEO's chair this month, replacing Cameron Clyne and inheriting Clyne's many problems.Low return businesses at NAB have exhibited this ardour for years and solutions to build returns have been lacking.No way through the UK maze could be found during Clyne's tenure, which is surprising - not least because NAB never seemed to be an option as a catalyst of change in Britain.Back home it is MLC and wealth that bedevil NAB.MLC may have played its part at NAB, with the bank needing other options for selling wealth products as part of its fee-based model.It's just not needed in the bundle.Might a demerger or sell down be on the NAB table?A forerunner of more?What better options do banks have?