Investor Presentaiton

AUSTRALIAN BANKING: RESIDENTIAL DEVELOPER EXPOSURES RESIDENTIAL DEVELOPER EXPOSURES - BY GEOGRAPHY RESIDENTIAL DEVELOPMENT EXPOSURE¹ 50 51 NSW/ACT 59% VIC/TAS 27% SA/NT 3% WA 3% QLD 8% 60% 40% 20% 0% VIC NSW QLD WA SA ■Within Inner-City ■ Outside Inner-City (1) Inner-City' includes CBD and adjoining postcodes. There is exposure to one development in each of the inner-cities of Darwin and Hobart. Includes transactions that are well advanced but not yet drawn-down AUSTRALIAN BANKING: HOUSING LENDING HOUSING LENDING REVENUE HOUSING LENDING NET INTEREST MARGIN ($m) (%) 1,723 1,796 1,877 141 141 131 1,770 143 (0.04%) 0.05% (0.12%) 0.00% (0.01%) 1,592 1,655 1,736 1,627 1.40% 1.36% National Australia Bank 1.28% Mar 15 Sep 15 NII Mar 16 Sep 16 Mar 16 Methodology Mar 16 change¹ adj Lending Funding Mix Margin Other Sep 16 HOUSING LENDING GLAS ($bn) 281.1 273.0 268.5 260.6 HOUSING LENDING MARKET SHARE² (x) Household data reclassification³ 15.0% 15.2% 15.3% 14.8% 14.9% 15.1% 15.0% 14.7% 14.6% Mar 15 Sep 15 Mar 16 Sep 16 1.9 1.7 1.3 1.2 1.2 1.3 0.8 0.9 0.4 Sep 12 Mar 13 Sep 13 Mar 14 Sep 14 Mar 15 Sep 15 Mar 16 Aug 16 System Multiple Market share (1) Sep 16 Housing Lending net interest margin impacted by methodology change to the cost of funds, which is offset in Deposits and has nil impact at Australian Banking level (2) Half year to date RBA Financial System (3) Re-statement of APRA household data, including reclassification from housing to non-housing from July 13 to current. Sep 13 was not restated due to unavailability of Mar 13 data to calculate growth multiple for Sep 13 half year. National Australia Bank

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