Investor Presentaiton

64 65 DIGITAL INITIATIVES NAB PROSPER Customer relationship platform providing personalised advice, empowering customers to make informed financial decisions Features: • Advice tailored to the customer . • Multi-channel support Convenient access to financial advice at all times • Financial education Delivered to date: • Two personalised advice modules - Retirement and Insurance • Now live to ~250,000 NAB customers When people plan, THEY PROSPER. Prepare for your financial future on your own terms, with NAB Prosper. I'm ready to prosper Not now PROQUO Online platform connecting Australian micro and small businesses to swap and trade services • Joint initiative between NAB and Telstra • Includes secure payment processing Platform live since July. Over 1,100 small business registered as users • • Proquo is open to any Australian business, not just NAB and Telstra customers XERO COLLABORATION Enables mutual customers of NAB and Xero to set up NAB bank feeds and make lending enquiries directly from within Xero accounting • Business customers can contact bank directly while working on their financials • Customers can send their latest financials with a click of the button - avoiding the need to manually collate and send 65% increase in the number of bank feeds set up each month as a result of collaboration nab + xero proquo nab+ TECHNOLOGY INVESTMENT IMPROVING CUSTOMER EXPERIENCE¹ 'CRITICAL' AND 'HIGH' PRIORITY INCIDENTS Investment in technology driving lower instance of technology incidents over FY13 - FY16 • 79% reduction in 'High' priority incidents 64% reduction in 'Critical' priority incidents Q1 Q2 Q3 Q4 Q1 Q2 FY13 FY13 FY13 FY13 FY14 FY14 Q3 Q4 FY14 FY14 Q1 FY15 ■Critical Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY15 FY15 FY15 FY16 FY16 FY16 FY16 ■ High (1) Critical Incidents - Significant impact or outages to customer facing service or payment channels. High Incidents - Functionality impact to customer facing service or impact/outage to internal systems National Australia Bank National Australia Bank

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