Investor Presentaiton

SOLID CONTRIBUTIONS ACROSS AUSTRALIA, NZ AND WEALTH CASH EARNINGS' AND UNDERLYING PROFIT² GROWTH (LOCAL CURRENCY) FY16 v FY15 4 2.8% Group 4.2% Underlying Profit Cash Earnings Australian Banking 5.5% 7.3% NZ Banking 1.6% 0.9% NAB Wealth 12.6% 12.7% Underlying Profit Cash Earnings Underlying Profit Cash Earnings Underlying Profit Cash Earnings (1) Refer to page 33 for definition of cash earnings and reconciliation to statutory net profit (2) Underlying profit represents cash earnings before various items, including tax expense and the charge for bad and doubtful debts. It is not a statutory financial measure MARKET SHARE TRENDS IN PRIORITY SEGMENTS MICRO AND SMALL BUSINESS MEDIUM BUSINESS AND AGRI 5 28% 26% 24% 22% 20% 18% Sep 14 Mar 15 38% 36% 34% 23% 32% 30% 28% 21% 26% Sep 15 Mar 16 Sep 16 Sep 14 -Turnover $1m to <$5m¹ ―Turnover $0m to <$1m1 HOUSING LENDING MULTIPLE OF SYSTEM GROWTH³ (x) National Australia Bank 32% 30% Mar 15 Sep 15 Mar 16 Sep 16 -Turnover $5m to <$50m¹ Agribusiness² 0.6 0.5 0.5 90 1.2 1.1 0.9 0.7 0.6 0.4 0.4 0.2 Oct Nov Dec 15 15 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul Aug 16 16 (2) (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). June 2016. NAB APRA submission / RBA System National Australia (3) Monthly RBA Financial System. Total Financial System Data: RBA Statistics Report Bank

View entire presentation