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42 AUSTRALIAN BANKING: BUSINESS LENDING BUSINESS LENDING REVENUE BUSINESS LENDING NET INTEREST MARGIN ($m) (%) 1,996 276 1,946 309 1,948 319 1,954 304 1,720 1,637 1,629 1,650 1.79% 0.00% 0.03% 0.01% (0.02%) 1.81% Mar 15 Sep 15 ■NII Mar 16 Sep 16 Mar 16 OOI Lending Funding Margin Mix Capital Benefit Sep 16 BUSINESS LENDING GLAS¹ BUSINESS LENDING FLOW MOVEMENTS ($bn) 172.0 180.3 183.2 7.0 6.9 182.7 7.1 ($bn) 7.7 60.0 60.3 58.0 57.2 25.9 26.6 26.4 23.8 26.5 28.2 28.9 30.0 183.2 56.8 59.2 60.5 61.2 Mar 15 Sep 15 Mar 16 Sep 16 Agri & Health ■GIB² & Capital Financing (0.3%) 1.8 (0.2) (2.3) 0.2 182.7 NAB Business ■Corporate & Corporate Property ■ Other Mar 16 NAB Business, Corporate & GIB² & Capital Agri & Health Corporate Financing Property Other Sep 16 (1) Spot GLA volumes. Segment lending volumes are based on unaudited, management information data, and prior periods have been restated to reflect the transfer of customers, consistent with where customers are domiciled in 2016 (2) Global Institutional Banking AUSTRALIAN BANKING: BUSINESS PRIORITY SEGMENTS MARKET SHARE MARKET SHARE TRENDS BY PRIORITY SEGMENTS 35% 30% 25% 20% National Australia Bank 32% 30% 23% 21% 15% Sep 12 Mar 13 Sep 13 Mar 14 Sep 14 Mar 15 Sep 15 Mar 16 Sep 16 Turnover $0m to <$1m¹ Turnover $1m to <$5m¹ -Turnover $5m to <$50m Agribusiness² (1) September 2016. DBM Business Financial Services Monitor, APRA Aligned Lending Market Share. Australian businesses with an aligned product, excluding Finance & Insurance and Government. APRA Aligned Lending market share is based on the total lending dollars held at the financial institution, divided by the total lending dollars held at financial institutions reporting to APRA, with products and Fls aligned as closely as possible to APRA definitions and inclusions. Micro Business (<$1m), Small Business ($1m-<$5m) and Medium Business ($5m-<$50m). #1 Ranking based on simple scores, not statistically significant differences (2) June 2016. NAB APRA submission / RBA System 43 National Australia Bank

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