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AUSTRALIAN BANKING: BUSINESS LENDING - ASSET QUALITY B&DD CHARGE AND AS % OF GLAS 90+ DPD AND GIAS AND AS % OF TOTAL BUSINESS GLAS ($m) 0.27% 0.20% 0.18% 0.15% 229 180 167 141 Mar 15 Sep 15 Mar 16 ($m) 0.95% 0.67% 0.77% 0.83% 1,642 Sep 16 Mar 15 B&DD charge B&DD/GLAS (half-year annualised) WELL SECURED - BUSINESS PRODUCTS¹ 1,208 Sep 15 1,413 1,516 Mar 16 Sep 16 Total Business Lending 90+ DPD and GIAS -Business Lending 90+ DPD and GIAs to Business Lending GLA PORTFOLIO QUALITY2,3 26% 26% 25% 23% 50% 50% 50% 50% 22% 22% 22% 22% 52% 52% 53% 55% 50% 50% 50% 50% Mar 15 Sep 15 ■Fully Secured Mar 16 Partially Secured Sep 16 Unsecured 46 (1) Represents assets within the Australian geography and offshore branches (2) Portfolio quality on a probability of default basis (3) Includes Asia Sep 15 Mar 15 ■Sub-Investment grade equivalent Mar 16 Sep 16 Investment grade equivalent AUSTRALIAN BANKING: BUSINESS LENDING - SME' ASSET QUALITY SME B&DD CHARGE AND AS % OF SME GLAS SME 90+ DPD AND GIAS AND AS % OF SME GLAS² ($m) 0.14% 0.13% 0.13% ($m) 0.23% 1.42% 1.11% 0.97% 0.88% 808 70 657 587 538 39 37 40 Sep 15 Mar 16 SME Business Lending 90+ DPD and GIAS 90+ DPD and GIAs to GLA Mar 15 Mar 15 Sep 15 B&DD charge Mar 16 Sep 16 B&DD/SME GLAS (half-year annualised) WELL SECURED - BUSINESS PRODUCTS PORTFOLIO QUALITY Sep 16 5% 5% 5% 5% 22% 20% 20% 21% 26% 25% 24% 23% 69% 70% 71% 72% 78% 80% 80% 79% 47 Mar 15 Sep 15 Mar 16 Sep 16 Mar 15 ■Fully Secured Partially Secured Unsecured Sep 15 ■Sub-Investment grade equivalent Mar 16 Sep 16 Investment grade equivalent (1) SME business data reflects the NAB Business segment of Business Lending which supports business customers with lending typically up to $25m, excluding the Specialised Businesses. Based on unaudited, management information data. Represents assets within the Australian geography (2) Prior periods have been restated to reflect the transfer of customers between Business Banking and Personal Banking, consistent with where customers are domiciled in 2016 National Australia Bank National Australia Bank

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