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38 AUSTRALIAN BANKING NET INTEREST MARGIN SEPTEMBER 2016 v MARCH 2016 (%) 1.70% 0.03% (0.06%) 0.01% (0.01%) 1.67% (0.06%) 1.61% Mar 16 Lending Margin Funding Mix Other Sep 16 ex Markets & Markets & Treasury Treasury Sep 16 SEPTEMBER 2016 v SEPTEMBER 2015 (%) 1.63% (0.04%) 0.06% 0.01% 0.01% 1.67% (0.01%) 1.66% Sep 15 Lending Margin Funding Mix Other Sep 16 ex Markets & Treasury Markets & Treasury Sep 16 BUSINESS AND PERSONAL BANKING NET INTEREST MARGIN BUSINESS BANKING NET INTEREST MARGIN¹ SEPTEMBER 2016 v MARCH 2016 (%) 2.34% Mar 16 0.04% Lending Margin (0.02%) Funding (0.01%) (0.02%) Mix PERSONAL BANKING NET INTEREST MARGIN²,3 SEPTEMBER 2016 v MARCH 2016 (%) 2.25% Mar 16 0.07% Lending Margin (0.15%) Funding 2.33% Other Sep 16 0.00% (0.01%) Mix Other 2.16% Sep 16 Business Banking NIM includes the impact of cost of funds methodology changes between Housing Lending and Deposits products, resulting in a 1bp benefit in the Sep 16 half (nil impact for Australian Banking) (1) (2) Based on unaudited management information (3) 39 Personal Banking NIM includes the impact of cost of funds methodology changes between Housing Lending and Deposits products, resulting in a (2bps) NIM decline in the Sep 16 half year (nil impact for Australian Banking) National Australia Bank National Australia Bank

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