Investor Presentaiton

ADDITIONAL INFORMATION Group Australian Banking NZ Banking NAB WEALTH Group Asset Quality Capital and Funding Environmental, Social and Governance Economic Outlook Glossary NAB WEALTH: INVESTMENTS MOVEMENT IN FUM AND FUA¹² 79 MOCKREL HILL CKRE NAB MORTGAGE SALES THROUGH ALIGNED ADVISOR NETWORK ($bn) 67% 67% 64% 18.2 9.0 (0.1) ($m) 0.1 0.2 1.6 168.4 Sep 15 188.4 197.4 Net Market Other Mar 16 funds returns flow Net Market Other Sep 16 funds returns flow 436 % Sep 14 Retail FUM NET FUNDS FLOW AND SPOT FUM BY PRODUCT GROUP COST TO INCOME RATIO 113% CAGR 998 1,983 Sep 15 Sep 16 National Australia Bank Product group 1H15 Net Funds Flow ($m) 2H15 Net Funds Flow ($m) 1H16 Net Funds Flow ($m)³ 2H16 Net Funds Flow ($m) Spot FUM at 30 Sep 2016 ($m) Retail Platforms³ 825 1,018 1,163 1,699 84,619 Business & Corporate (197) (187) (132) (355) 36,111 Superannuation 65.8% Off-sale Retail Products 64.3% 64.9% (969) (631) (560) (710) 11,486 58.3% and Other Wholesale (Investment Management, JANA and (641) 40 (303) (550) 65,136 Boutiques) Mar 15 Sep 15 Mar 16 Sep 16 Total Net Funds Flow (982) 240 168 84 197,352 (1) FUM and FUA on a proportional ownership basis (2) This includes the JBWere opening balance following the acquisition of the remaining 20% in January 2016 and other FUM/A (3) 1H16 net funds flow and spot FUM/A for Retail Platforms include JBWere, following the acquisition of the remaining 20% in January 2016 National Australia Bank

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