Investor Presentaiton

ADDITIONAL INFORMATION Group Australian Banking NZ Banking NAB Wealth GROUP ASSET QUALITY Capital and Funding Environmental, Social and Governance Economic Outlook Glossary GROUP B&DD CHARGE B&DD CHARGE AS % OF GLAS MOCKREL HILL CKRE National Australia Bank 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 89 Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep 86 87 88 90 91 92 93 94 95 96 Sep 99 Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep 97 98 00 01 02 03 04 05 06 07 08 09 Sep Sep Sep Sep Sep Sep 10 11 12 13 14 15 16 81 B&DD CHARGE AND AS % OF GLAS 1 ($m) 0.41% 0.31% 0.18% 0.16% 0.14% 0.16% 942 0.12% 0.13% 722 426 399 349 375 425 Mar 13 299 Sep 13 Mar 14 Sep 14 Mar 15 Sep 15 Mar 16 Sep 16 (1) Ratios for all periods refer to the half year ratio annualised National Australia Bank

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