Incorpotrharete iqnugi reomfAe pnptesn 4dDi x Theh alyfe arre sualntnso unceimnecnotrt peosr a thhea lyfe arre pogritvt eont hAeu stralian SecurEixtciheas(n AgSeuX n)d eLri stRiunl4ge. 2A. Theh alyfe acro noslidarteepdoi rstt ob er eaidn conjunwcittithoh Anen nuFailn anRceipao2lr0 t1 7. "Myp atiewnetrsel ni'ktti hnsegh oes outth eTrhea.tw 'hseI nd ecitdoe d desimgyno wnr ange." NatiAounsatlBr aanLlkii mai ted ABN1 20 040 4943 7 Half Year Results Results for announcement to the market 2018 Results for announcement to the market Report for the half year ended 31 March 2018 31 March 2018 $m Revenue from ordinary activities (1) page 55 up 11.4% * to 9,624 Net profit after tax from ordinary activities attributable to owners of NAB page 55 up 1.5% * to 2,583 Net profit attributable to owners of NAB page 55 up 1.5% * to 2,583 * On prior corresponding period (six months ended 31 March 2017). Franked Amount amount per per share share Dividends cents % Interim dividend 99 100 Record date for determining entitlements to the interim dividend 16 May 2018 A Glossary of Terms is included in Section 7. A reference in this Appendix 4D to the 'Group' is a reference to NAB and its controlled entities. All currency amounts are expressed in Australian dollars unless otherwise stated. References in this document to the March 2018 half year are references to the six months ended 31 March 2018. Other six month periods are referred to in a corresponding manner. The Group's consolidated financial statements, prepared in accordance with the Corporations Act 2001 (Cth), are included in Section 5. See page 97 for a complete index of ASX Appendix 4D requirements. (1) Required to be disclosed by ASX Listing Rule 4D. Reported as the sum of the following from the Group's consolidated income statement: Net interest income $6,766 million and total other income $2,858 million. On a cash earnings basis revenue increased by 2.5%. Refer to information on cash earnings on page 2 of Section 1, of the 2018 half year results. Half Year Results 2018 This page has been left blank intentionally. Half Year Results 2018 Table of Contents Section 1 Profit Reconciliation 1 Information about Cash Earnings and other Non-IFRS Measures 2 Section 2 Highlights 9 Group Performance Results 10 Shareholder Summary 10 Key Performance Indicators 11 Divisional Key Performance Indicators 12 Group Performance and Strategic Highlights 13 Section 3 Review of Group Operations and Results 17 Review of Group Operations and Results 18 Investment Spend 23 Taxation 24 Lending 25 Goodwill and Other Intangible Assets 26 Customer Deposits 27 Asset Quality 28 Capital Management and Funding 31 Section 4 Review of Divisional Operations and Results 35 Divisional Performance Summary 36 Business and Private Banking 39 Consumer Banking and Wealth 41 Corporate and Institutional Banking 44 New Zealand Banking 46 Corporate Functions and Other 49 Section 5 Financial Report 51 Report of the Directors 52 Consolidated Financial Statements 55 Notes to the Consolidated Financial Statements 60 Directors' Declaration 82 Independent Review Report 83 Section 6 Supplementary Information 85 Section 7 Glossary of Terms 99 Half Year Results 2018 This page has been left blank intentionally.                NA2B0 1Y8E RAHERAS LUFL TS STRAOTVEEGRIVCI EW' Thaec celeorfoa ustrti roanat nengoyu wnicttehhdG e r ou2p0'1Fs7u Y lelaR re suilntcsl,ua dnei sntgi maadtdeidt ional $1b.i5l ilnivoens tmtehnrtye eeoa ivrnseso r,ww eulnld erWweaa yri.em protvhieenx gp eroifoe uncrcu es tomers, reshaopuwiron rgk faonrgdcr eo woiunbrga nikna ne nviroonfrm aeptnietdc hnoalnordge igcuallca htaonTrghyeii .ss an ambitainondue sc espslaasrnowy ec acno nttiodn euleif voaerlor lu s rt akeholoduperur rsp,to o'sl beia vtcehbk eo lwdh o movAeu stfroarlwiaaanr addc 'h ioeuvvrie s tioo Anbu es tarnaNdle iwZa e alamnodsr'tes s pebcatnekd. 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