Investor Presentaiton

GROUP NET INTEREST MARGIN GROUP NET INTEREST MARGIN AND EXCLUDING MARKETS & TREASURY IMPACT (HOH) 34 1.93% 1.92% Mar 15 1.90% 1.88% 1.93% 1.90% 1.90% 1.82% Sep 15 Group NIM Mar 16 Sep 16 Group NIM (excluding Markets & Treasury) GROUP NET INTEREST MARGIN SEPTEMBER 2016 v SEPTEMBER 2015 1.90% 0.05% (0.04%) 0.01% (0.02%) 1.90% (0.02%) 1.88% Sep 15 Lending Margin Funding Costs Mix Other Sep 16 ex Markets & Treasury Markets & Treasury Sep 16 ADDITIONAL INFORMATION Group AUSTRALIAN BANKING NZ Banking NAB Wealth Group Asset Quality Capital and Funding Environmental, Social and Governance Economic Outlook Glossary MOCKREL HILL CKRE National Australia Bank National Australia Bank

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