Investor Presentaiton

40 41 AUSTRALIAN BANKING EXPENSES OPERATING EXPENSES ($m) COST TO INCOME RATIO (%) 180 2,907 (75) 45 (2) 2,875 40.6% 42.3% 41.5% 40.8% Mar 16 Personnel Occupancy Costs Other Sep 16 Mar 15 Sep 15 Mar 16 Sep 16 AUSTRALIAN BANKING ASSET QUALITY B&DD CHARGE 90+ DPD AND GIAS AND AS % OF TOTAL GLAS ($m) 341 (26) 13 (30) ($m) 0.76% 0.69% 0.72% 0.63% 298 3,352 2,869 3,222 3,413 Mar 15 Mar 16 Business Lending Housing Lending Other Banking Products Sep 16 Sep 15 90+ DPD & GIAS AUSTRALIAN BANKING NEW IMPAIRED ASSETS ($m) 677 679 476 460 Mar 15 Sep 15 Mar 16 (1) Includes personal lending, credit cards, investment securities and margin lending Sep 16 Mar 16 Sep 16 90+ DPD & GIAS as % of GLAS National Australia Bank National Australia Bank

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