Investor Presentaiton

AUSTRALIA BANKING CASH EARNINGS ($m) 36 2,536 2,694 Sep 15 52 (6) 32 22 43 43 (37) 2,778 Mar 16 Net Operating Income ex Markets & Treasury Markets & Treasury Expenses B&DDs Tax Expense Sep 16 AUSTRALIAN BANKING REVENUE TOTAL REVENUE BY KEY CUSTOMER SEGMENTS1,2 TOTAL REVENUE BY PRODUCT ($m) ($m) 6,713 7,001 7,047 6,680 6,713 6,680 7,001 7,047 581 366 555 554 894 946 981 790 899 931 890 961 2,214 2,345 2,439 2,428 1,114 1,217 1,392 1,416 1,996 1,946 1,948 1,954 3,918 3,969 4,007 4,065 1,723 Mar 15 1,796 Sep 15 1,877 Mar 16 Mar 15 Sep 15 Mar 16 Sep 16 ■Housing lending ■Business lending ■Deposits 1,770 Sep 16 ■Other banking products ■Business Banking Personal Banking ■NAB risk management³ CUSTOMER RISK MANAGEMENT REVENUE³ ■NAB & customer risk management 3 NAB RISK MANAGEMENT REVENUE³ ($m) ($m) 424 8.6 8.8 400 392 6.9 6.4 339 171 154 122 581 555 554 102 294 366 341 319 246 253 270 237 215 287 214 235 151 Mar 15 Sep 15 Mar 16 Sep 16 FX Rates (1) Based on unaudited, management information (2) (3) (4) 37 40 Customer revenue numbers for Mar 15 and Sep 15 have been restated to reflect the transfer of customers between Business Banking and Personal Banking, consistent with where customers are domiciled in 2016 Customer risk comprises OOI. NAB risk management comprises NII and OOI and is defined as management of interest rate risk in the banking book, wholesale funding and liquidity requirements and trading market risk to support the Group's franchises. Includes FX Average FICC traded market risk VaR for 2016 excludes the impact of hedging activities related to derivative valuation adjustments. Prior periods have not been adjusted as the hedging impact in these periods was immaterial to reported VaR Mar 15 Sep 15 Treasury FICC Mar 16 Sep 16 Avg FICC traded market risk VaR 4 National Australia Bank National Australia Bank

View entire presentation