Investor Presentaiton

AUSTRALIAN BANKING: DIGITAL AND DIRECT CONTINUED MIGRATION TO DIGITAL AND MOBILE % of value transactions via digital channels INCREASED DIGITAL ENGAGEMENT Mobile log-ons 73 69 66 13 19 24 76 31 ल 53 50 49 45 FY13 FY14 FY15 FY16 ■Internet Banking ■Mobile UPLIFT IN ONLINE SALES 62 Mortgage redraw Credit card opens Personal loan opens 6% 14% 24% 34% Transactions via Digital 12% FY15 FY16 FY15 FY16 DIRECT (CONTACT CENTRES) Credit card opens Personal loan opens 34% 12% FY15 FY16 FY15 FY16 FY15 FY16 FY15 FY16 FY15 FY16 National Australia Bank AUSTRALIAN BANKING: DIGITAL - NAB PAY NAB PAY LAUNCHED 2016 FOR ANDROID AND IOS nab 1 2 3 4th • NAB Pay launched in January 2016 to enable customers to make contactless purchases using an Android¹ phone • NAB PayTag launched in September 2016 for Apple iOS customers STRENGTHENING CUSTOMER ENGAGEMENT >59,000 customers enabled NAB Pay 59,369 Dec 15 Mar 16 Jun 16 Customers with NAB Pay Sep 16 546,007 NAB PAY BENEFITS AND PRODUCTIVITY • Customers can apply, set up and use their new cards on their mobile devices • In less than 60 seconds, customers can register and start using NAB Pay to make purchases • Instantly replace lost or stolen cards without needing to wait for new cards to be delivered • Reduced fraud - around three times fewer fraudulent transactions compared to physical credit card and debit cards 5-7 days 63 >546,000 NAB Pay transactions 60 seconds Dec 15 Mar 16 Jun 16 Sep 16 Nab Pay Cumulative Transactions Card Delivery NAB Pay (1) With built-in NFC and running Android 4.4 or higher. National Australia Bank

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