Investor Presentaiton

ASSET FUNDING - SEPTEMBER 2016 96 ($bn) 778 Other Assets¹ 82 62 Other Liabilities¹ Repurchase Agreements² Reverse Repurchase Agreements 31 Short Term Funding Liquid Assets³ 118 Term Funding < 12 Months 778 55 35 92 37 Term Funding > 12 Months 120 Core Assets 547 Customer Deposits 391 Assets Shareholders' Equity 48 Liabilities & Equity (1) Other assets and liabilities include trading derivatives (2) Repurchase agreements entered into are materially offset by reverse repurchase agreements with similar maturity profiles as part of normal trading activities, noting the cash holdings in our Exchange Settlement Account with the RBA contribute to the difference between balances (3) Liquid assets are at market value and include non-regulatory qualifying securities (4) Shareholders' equity excludes preference shares and other contributed equity FUNDING PROFILE HISTORIC TERM FUNDING ISSUANCE ($bn) TERM FUNDING MATURITY PROFILE ($bn) 5.1 4.8 5.1 4.7 5.4 WAM² 4.2 yrs yrs yrs yrs yrs yrs 36 (4.0 yrs at Sep 15) 46 31 20 11 FY12 སྩོ。 ཚ8 28 27 33 21 21 30 26 30 20 32 18 28 20 15 7 FY13 FY14 ཡཎྜ 6 6 18 14 5 5 6 FY15 FY16 FY17 FY18 FY19 FY20 Beyond Tenor¹ Secured Senior and Sub Debt ■Secured Senior and Sub Debt National Australia Bank ADDITIONAL TIER 1 AND TIER 2 CAPITAL ISSUANCES AND REDEMPTIONS DEBT MATURITY PROFILE OF NWMH AND ASSOCIATED CET1 IMPACT4 ($bn) 2.2 1.3 (1.0) 1.6 1.5 0.4 (1.1) ($m) 5bp 210 13bp 490 2H17 1H18 ■Debt maturity Mar 15 AT1 issuances 3 Sep 15 Mar 16 AT1 redemptions Sep 16 ■T2 issuances (1) Weighted average maturity (years) of funding issuance (> 12 months) 1H17 (2) Weighted average remaining maturity of the Group's TFI qualifying term funding which only includes debt with more than 12 months remaining term to maturity (3) BNZ notes net of regulatory deduction for Level 2 basis (4) Estimated Level 2 CET1 impact based on 30 September 2016 RWA 97 National Australia Bank

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