Profitability, performance and efficiency measures 60, 61, 62 2017 2016 Dividend per (cents) 198 198 Dividend payout 79.4% 80.8% Cash earnings on average assets 0.83% 0.76% Cost to income (CTI) ratio 42.7% 42.7% Net interest margin 1.85% 1.88% Capital 2017 2016 Common Equity Tier 1 10.06% 9.77% Tier 1 ratio 12.41% 12.19% Total capital ratio 14.58% 14.14% quality 60, 61, 62 2017 2016 90+ days past due and gross impaired assets to gross loans and 0.70% 0.85% acceptances Specific provision to gross impaired assets 38.3% 45.5% 2017 2016 Full Time Equivalent Employees (FTE) (spot) 33,422 34,263 2017 Group non-financial performance 2017 Group non-financial performance , 2017 2016 Net Promoter Score (Home Owners) Australia -23 -20 – Net Promoter Score (Investors) Australia66 -16 -17 – Net Promoter Score (Small Business) Australia66 -16 -16 – Net Promoter Score (Medium Business) Australia66 +3 -8 – Net Promoter Score (Priority segments) Australia66 -13 -15 – Number of customer complaints Australia and New Zealand 225,011 212,366 – Number of branches and business banking centres 977 1,017 Number of ATMs 3,491 3,472 % of registered internet banking customers that are active users Australia 74% 73% – Number of microfinance loans written Australia and New Zealand 27,146 23,023 – Value of microfinance loans written ($m) Australia and New Zealand68 29.3 26.0 – Cumulative number of low income Australians assisted with microfinance 513,941 449,844 products/services68 Number of customers assisted experiencing financial hardship Australia 19,652 21,303 – NAB Group overall employee engagement score n/a 59
Profitability, performance and efficiency measures 60, 61, 62 2017 2016 Dividend per (cents) 198 198 Dividend payout 79.4% 80.8% Cash earnings on average assets 0.83% 0.76% Cost to income (CTI) ratio 42.7% 42.7% Net interest margin 1.85% 1.88% Capital 2017 2016 Common Equity Tier 1 10.06% 9.77% Tier 1 ratio 12.41% 12.19% Total capital ratio 14.58% 14.14% quality 60, 61, 62 2017 2016 90+ days past due and gross impaired assets to gross loans and acceptances 0.70% 0.85% Specific provision to gross impaired assets 45.5% 38.3% 2017 2016 Full Time Equivalent Employees (FTE) (spot) 33,422 34,263 2017 Group non-financial performance 2017 Group non-financial performance , 2017 2016 Net Promoter Score (Home Owners) – Australia -23 -20 Net Promoter Score (Investors) – Australia66 -16 -17 Net Promoter Score (Small Business) – Australia66 -16 -16 Net Promoter Score (Medium Business) – Australia66 +3 -8 Net Promoter Score (Priority segments) – Australia66 -13 -15 Number of customer complaints – Australia and New Zealand 225,011 212,366 Number of branches and business banking centres 977 1,017 Number of ATMs 3,491 3,472 % of registered internet banking customers that are active users – Australia 74% 73% Number of microfinance loans written – Australia and New Zealand 27,146 23,023 Value of microfinance loans written ($m) – Australia and New Zealand68 29.3 26.0 Cumulative number of low income Australians assisted with microfinance products/services68 513,941 449,844 Number of customers assisted experiencing financial hardship – Australia 19,652 21,303 NAB Group overall employee engagement score 59 n/a
nab-annual-review-2017.docx