Investor Presentaiton

PROGRESS IN NAB'S SOCIAL PRIORITY AREAS - 2016 • . . · • FINANCIAL INCLUSION AND RESILIENCE Assisted more than 440,000 Australians with microfinance products & services since 20051 Supported over 150,000 microfinance loans, with a value over $190 million, since 20051 Committed an additional NZ$50m in funding for the New Zealand community finance program Announced the launch of two 'Good Money' stores in Queensland. To provide access to financial assistance, support services and products under the one roof Continued to support customers in getting back on track following financial hardship in 2016: • Over 21,000 customers assisted • 93% of customer accounts up-to-date within 90 days • Over $70m in savings for NAB through avoided defaults • • • SOCIAL COHESION Total community investment of $48.8 million, including over 23,000 days of employee volunteering in 2016 Published report card for 2015-2017 'Elevate' status Reconciliation Action Plan, outlining progress to date: • • More than 200 Indigenous Australians employed as at 30 September 2016 10 year partnership with CareerTrackers commenced Established a cross-business working group on the role of the financial services industry in family violence, support includes: • Family Violence Assistance Grants (up to $2,500) for customers in financial hardship Domestic violence leave and support resources available to employees Helped finance the third Social Impact Investment issued by the NSW Government - a program³ to reduce reoffending by parolees and minimise re- incarceration ENVIRONMENTAL WELLBEING • In 2016, $7.3 billion in financing activities to support an orderly transition to a low- carbon and green economy • Announced five climate change commitments in December 2015 • • Established NAB's first science-based emissions reduction target for its operations - consistent with scientific estimates considered to be required to maintain global warming below the two degree threshold Provided over $92 million in discounted loans to renewable energy and energy efficient assets from June 2015 to date, with support from the Clean Energy Finance Corporation Achieved close to 80% of NAB's key office buildings operating at a 4 Star NABERS Energy rating or better Met five out of six 2016 Group Environmental targets, missed NAB's waste diverted from landfill target due to an overall decrease in paper usage and waste, thereby lowering amount of waste that could be recycled (1) In partnership with Good Shepherd Microfinance (2) Supported by Good Shepherd Microfinance, Victorian and South Australian Governments and NAB, Good Money stores offer safe, affordable and responsible financial services for people on low incomes who are otherwise excluded from mainstream financial services (3) Delivered by the Australian Community Support Organisation (ACSO) 106 National Australia Bank NAB'S CONTRIBUTION TO SOCIETY - 2016 NAB REVENUE • Supports all stakeholders and business partners • NAB revenue is shown after paying interest to 4.5 million Australian and New Zealand retail and business customers who have deposited over $390 billion with us BORROWERS ● Retained as capital to support new lending and further strengthen capital position for our existing loans • NAB lends more than $2 billion a month to businesses and more than $4 billion a month to homeowners • Total of over $300 billion in Home Lending and $200 billion in Business Lending SHAREHOLDERS (INCL. SUPER FUNDS) Approx. 582,000 shareholders Approx. 80% of NAB's profits distributed • in dividends Retained as capital4 $1.3bn Operating expense $3.0bn Dividends2 $5.1bn NAB REVENUE¹ $16.6bn Taxes paid in Australia³ $2.8bn Personnel expense $4.4bn SUPPLIERS & COMMUNITY 1,700+ contracted suppliers • Over 23,000 volunteering days contributed by employees this year Supported over 22,000 microfinance loans at a value of more than $25.6 million in partnership with Good Shepherd Microfinance OUR PEOPLE • Employ over 35,000 people (NAB Group) • Over 50% of our workforce directly engages with customers 107 Figures based on NAB's FY16 cash earnings (1) Revenue shown net of $0.8bn of bad and doubtful debts (2) Dividends paid in FY16 (3) Includes income tax, GST, FBT, payroll tax and other taxes borne by NAB (4) Excluding the loss on sale of CYBG and the life insurance business and other items categorised as non-cash earnings GOVERNMENT • Australia's fifth largest taxpayer • Signatory to the Voluntary Tax Transparency Code National Australia Bank

View entire presentation