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8 GROUP FINANCIAL PERFORMANCE GROWTH BY KEY FINANCIAL INDICATORS (HOH) ($m) 2.5% (30bps) 14.6% 14.3% 14.3% 3,182 3,220 3,263 Sep 15 2.2% Mar 16 ■Cash earnings Sep 16 Sep 15 Mar 16 Sep 16 Cash ROE 0.4% 3.6% 8,536 8,709 8,724 3,668 3,755 3,683 4,868 4,954 5,041 Sep 15 Mar 16 Sep 16 Sep 15 Mar 16 Sep 16 Sep 15 ■Net Operating Income Operating Expenses Mar 16 ■Underlying profit Sep 16 349 Sep 15 GROUP REVENUE AND NET INTEREST MARGIN NET OPERATING INCOME ($m) HoH revenue growth 0.2% 81 (118) 41 37 (73) 47 21.8% 375 Mar 16 ■B&DD charge 425 Sep 16 8,709 8,536 8,724 Excludes Markets & Treasury Sep 15 Mar 16 Volumes Margin Markets & Treasury¹ Income Fees & Commissions NAB Wealth FX & Other² Sep 16 GROUP NET INTEREST MARGIN 1.93% 1.88% MARKETS & TREASURY INCOME 0.03% (0.06%) ($m) 982 809 893 924 0.01% (0.01%) 19 (0.08%) 581 554 366 555 1.90% National Australia Bank 400 424 339 392 1.82% (1) (22) Sep 15 Mar 16 Lending Funding Mix Other Margin Sep 16 ex Markets & Sep 16 Markets & Treasury Treasury Mar 15 Sep 15 Mar 16 Sep 16 ■Customer risk management ³ NAB risk management³ ■Group Treasury4 (1) Excludes FX and Fees & Commissions (2) Largely relates to group funding and hedging activities and foreign exchange movements (3) NAB risk management comprises NII and OOI and is defined as management of interest rate risk in the banking book, wholesale funding and liquidity requirements and trading market risk to support the Group's franchises. Customer risk comprises OOI 9 (4) Group Treasury prior periods have been restated to reflect the reclassification of Group Treasury income National Australia Bank

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