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84 85 GROUP ASSET QUALITY 90+ DPD & GIAS AS % OF GLAS BY PRODUCT ($bn) 0.64% 0.59% 0.55% 0.58% 0.58% 1.13% 1.76% 1.05% 1.09% 1.00% 1.00% 1.01% 1.05% 1.21% 0.73% 1.76 1.71 1.63 1.77 1.84 3.50 0.11 0.11 2.08 2.27 2.65 0.11 0.13 0.13 1.55 Sep 14 Mar 15 Mortgage Sep 15 Mar 16 Sep 16 as % GLAS Sep 14 Mar 15 Sep 15 Business Lending Mar 16 Sep 16 Sep 14 as % GLAS Mar 15 Sep 15 Other products Mar 16 Sep 16 as % GLAS NET WRITE-OFFS¹ 90+ DPD & GIAS TO GLAS 2 ($m) 0.20% 0.20% (%) 2.2% 1.8% 0.12% 0.10% 1.4% 511 516 366 1.0% 267 Mar 15 Sep 15 Mar 16 Sep 16 0.6% FY10 FY11 Net write-offs Net write-offs as a % of GLAs (half year annualised) NAB FY12 -Peer 1 FY13 FY14 -Peer 2 FY15 FY16 Peer 3 (1) Includes write-offs of fair value loans (2) FY16 based on latest peer results announcements GROUP PROVISIONS COLLECTIVE PROVISION COLLECTIVE PROVISION MOVEMENTS ($m) ($m) 3,054 2,910 2,978 2,811 320 252 300 259 230 224 225 144 2,978 2,434 2,504 2,453 2,408 Mar 15 Amortised Loans 39 (188) 100 (63) (55) 0.85% National Australia Bank 2,811 Sep 15 Mar 16 Sep 16 Mar 16 Overlays Fair Value Loans ■Fair Value Derivatives Volume and Transfer to credit specific quality provisions CP on derivatives and loans at fair value UK CRE Sep 16 sale 1 COLLECTIVE PROVISIONS AS % OF CRWAS SPECIFIC PROVISION BALANCES ($m) 0.08% Mortgage 700 Risk 602 Weights change 107 712 87 448 86 0.97% 0.99% 0.98% 92 0.85% 593 625 516 356 Mar 15 Sep 15 Mar 16 Sep 16 Mar 15 Sep 15 Mar 16 Sep 16 Business ■Retail (1) A $55m benefit from the sale of a parcel of UK CRE loans was fully offset with other movements in the balance sheet including the de-recognition of loans and advances and the receivable on the consideration of the sale of the portfolio which results in a nil impact to cash earnings National Australia Bank

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