Investor Presentaiton

57 40 56 AUSTRALIAN BANKING: HOUSING LENDING - LVR PROFILE AUSTRALIAN HOUSING LENDING DYNAMIC LVR BREAKDOWN OF DRAWN BALANCE¹ 60% AUSTRALIA HOUSING LENDING LVR BREAKDOWN AT ORIGINATION¹ 60% 50% 50% 40% 30% 20% 10% 0% 40% 30% b. ub. 20% 10% 0% LVR LVR LVR LVR LVR LVR LVR LVR LVR ≤60% 60.01% -70% 70.01% - 80% 80.01% 90% >90% ≤60% 60.01% -70% 70.01% - 80% 80.01% - 90% LVR >90% (1) Excludes Asia ■Mar 15 Sep 15 Mar 16 ■Sep 16 ■Mar 15 Sep 15 Mar 16 ■ Sep 16 AUSTRALIAN BANKING: HOUSING LENDING - KEY METRICS¹ Mar 15 Sep 15 Mar 16 Sep 16 Australian housing lending Balances attributed to: - Variable rate - Fixed rate - Line of credit Drawdowns attributed to: - Variable rate - Fixed rate -Line of credit Interest only drawn balance² Offset account balance ($bn) Balances attributed to: - Proprietary - Broker Drawdowns attributed to: - Proprietary 73.4% 75.7% 76.7% 77.5% 14.8% 13.3% 13.2% 13.2% 11.8% 11.0% 10.1% 9.3% 81.0% 84.9% 84.3% 81.0% 16.7% 12.5% 13.9% 17.0% 2.3% 2.6% 1.8% 2.0% 35.3% 34.5% 32.5% 31.9% 20.1 22.4 23.4 24.7 69.1% 68.6% 68.7% 68.3% 30.9% 31.4% 31.3% 31.7% - Broker 66.3% 67.4% 69.0% 65.6% 33.7% 32.6% 31.0% 34.4% Balances attributed to: - Owner Occupied³ 57.6% 57.2% 57.6% 57.7% - Investor³ 42.4% 42.0% 42.9% 42.3% Dynamic LVR on a drawn balance calculated basis 45.2% 45.8% 44.0% 45.1% Customers in advance ≥1 month 63.1% 62.9% 62.1% 62.3% Avg # of monthly payments in advance 13.9 14.3 14.7 15.0 Average drawn balance ($'000) 276 284 288 293 Low Documentation Low Documentation LVR cap (without LMI) 90+ days past due Impaired loans5 Specific provision coverage ratio Loss rate6 1.4% 1.2% 1.1% 0.9% 60% 60% 60% 60% 0.48% 0.45% 0.51% 0.52% 0.14% 0.13% 0.11% 0.11% 26.3% 25.0% 24.5% 25.8% 0.03% 0.02% 0.02% 0.03% (1) Excludes Asia (2) Excludes line of credit products (3) Source: APRA Monthly Banking Statistics (4) (5) Not reported for Advantedge. Excludes line of credit, interest only loans and the impact of offset accounts Includes Asia (6) 12 month rolling Net Write-offs / Spot Drawn Balances National Australia Bank National Australia Bank

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