Investor Presentaiton

69 ADDITIONAL INFORMATION Group Australian Banking NZ BANKING NAB Wealth Group Asset Quality Capital and Funding Environmental, Social and Governance Economic Outlook Glossary TARGETED GROWTH IN AUCKLAND MARKET AUCKLAND INVESTMENT GAINING TRACTION • Investment in Auckland delivering strong volume growth with focus on priority segments (NZ$bn) +16.9% • Number of mortgage brokers in Auckland grown from 100 in June 15 to ~400 in FY16 • FTE investment concentrated on Auckland small business, broker and housing 13.0 10 15.2 14.5 14.0 13.5 MOCKREL HILL CKRE +18.8% 7.3 23 6.9 6.5 6.4 7.6 Sep 15 Dec 15 Mar 16 Jun 16 Sep 16 Sep 15 Dec 15 Mar 16 Jun 16 Sep 16 ■Auckland SME Lending Avg Volumes¹ ■ Auckland Housing Avg Volumes IMPROVED CUSTOMER EXPERIENCE ENABLED BY TECHNOLOGY AND PROCESS SIMPLIFICATION • All customers migrated to new Retail Digital Banking platform Net Promoter Score • Customer basics programme: 20 10 . Positively impacted ~1,000,000 customer interactions in FY16, enhancing customer experience 27 21 14 0 • Corresponding 9% YoY drop in complaints -10 -20 • Process simplification leveraging new technology to improve 30% of core operational processes in FY17 Sep 11 Sep 12 Small Business ($1m to $5m)² -Retail Wealth³ Sep 13 Sep 14 Sep 15 -Medium Business ($5m to $20m)² Sep-16 (1) Auckland SME includes housing products. December 15 - September 16 volumes based on new customer segmentation methodology Source: TNS Business Finance Monitor, 12 month roll (2) (3) Source: Camorra Research - Retail Market Monitor, 6 month roll National Australia Bank National Australia Bank

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