Investor Presentaiton

OVERVIEW ANDREW THORBURN Group Chief Executive Officer This presentation is general background information about NAB. It is intended to be used by a professional analyst audience and is not intended to be relied upon as financial advice. Refer to page 129 for legal disclaimer. Financial information in this presentation is based on cash earnings, which is not a statutory financial measure. Refer to page 33 for definition and reconciliation to statutory net profit/loss. FY16 PERFORMANCE FINANCIALS (FY16 v FY15)¹ MOCKREL HILL BALANCE SHEET (FY16 v FY15)¹ CKRE National Australia Bank Cash earnings ($m)² 6,483 4.2% CET1 9.8% 47bps Dividend 198cps flat CET1 harmonised 14.0% 47bps Cash ROE 14.3% 50bps NSFR >100%³ NA Statutory profit ($m) 352 large B&DD charge (% GLAs) 15bps 1bp CUSTOMER EMPLOYEE ENGAGEMENT #1 NPS in Priority Segments 4,5 -4 High performing organisation benchmark of 60 -8 -12 -14 -16 -15 -16 61 56 -20 44 -21 -24 Sep 13 Mar 14 Sep 14 Mar 15 Sep 15 Mar 16 Sep 16 NAB Peer 1 Peer 2 -Peer 3 2014 2015 2016 ■NAB Engagement (1) (2) END (3) Information is presented on a continuing operations basis including prior period restatements, unless otherwise stated Refer to page 33 for definition of cash earnings and reconciliation to statutory net profit Based on draft APRA rules (4) (5) 3 (6) Net PromoterⓇ and NPS® are registered trademarks and Net Promoter Score and Net Promoter System are trademarks of Bain & Company, Satmetrix Systems and Fred Reichheld Priority segments Net Promoter Score (NPS) is a simple average of the NPS scores of five priority segments: Mortgage Customers, Debt Free, Micro Business (<$1m), Small Business ($1m-<$5m) and Medium Business ($5m-<$50m). The Priority Segments NPS data is based on six month moving averages from Roy Morgan Research and DBM BFSM Research As measured in NAB's annual employee engagement survey "Speak Up, Step Up" conducted by Right Management. Note: Historical engagement figures have been restated to exclude discontinued operations National Australia Bank

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