Funding Programmes

NAB maintains a well-diversified funding profile across issuance type, currency, investor location and tenor

Domestic Debt Issuance Programme (DIP)

Issuer:	National Australian Bank Limited
Issuer: Programme limit:	National Australian Bank Limited There is no programme limit
Issuer: Currencies:	National Australian Bank Limited Australian Dollars
Issuer: Arranger:	National Australian Bank Limited National Australia Bank Limited
Issuer: Dealer:	National Australian Bank Limited National Australia Bank Limited
Issuer: Registrar:	National Australian Bank Limited Austraclear Services Limited
Issuer: Governing Law:	National Australian Bank Limited Victoria, Australia

Information Memorandum - Apr 2023
MTN Deed Poll - Apr 2023

MTN Deed Poll - Apr 2023

MTN Deed Poll - Feb 2021

MTN Deed Poll - Oct 2019

TCD Deed Poll - Oct 2019

STN Deed Poll - Oct 2019

MTN Deed Poll - Aug 2016

TCD Deed Poll - Aug 2016

MTN Deed Poll - Mar 2014

TCD Deed Poll - Mar 2014

STN Deed Poll - Aug 2011

Global Medium Term Note Programme (GMTN)


Programme limit:	U.S.$100,000,000,000
Currencies:	Multi
Issuers:	National Australia Bank Limited, Bank of New Zealand, BNZ International Funding Ltd, acting through its London Branch (BNZ-IF)
Guarantor:	Bank of New Zealand (in respect of notes issued by BNZ-IF)
Trustee	Deutsche Trustee Company Limited
Principal Paying Agent:	Deutsche Bank A.G., London Branch Deutsche Bank Trust Company Americas (for certain exempt notes)
Registrar:	Deutsche Bank Luxembourg S.A. Deutsche Bank Trust Company Americas
U.S. Paying Agent:	Deutsche Bank Trust Company Americas
CMU Lodging Agent:	Deutsche Bank A.G., Hong Kong Branch
Listing Agent:	Deutsche Bank Luxembourg S.A.
Arranger:	Deutsche Bank A.G., London Branch
Dealer:	Barclays BofA Securities BNP Paribas Citigroup Deutsche Bank Goldman Sachs International HSBC JP Morgan Morgan Stanley National Australia Bank Ltd NatWest Markets RBC Capital Markets TD Securities UBS Investment Bank Wells Fargo Securities
Governing Law:	English
Offer Document:	GMTN Offering Circular - Nov 2023 Fourth Supplement to the GMTN Offering Circular - 3 May 2024 Third Supplement to the GMTN Offering Circular - 8 March 2024 Second Supplement to the GMTN Offfering Circular - 22 Feb 2024 First Supplement to the GMTN Offering Circular - 21 Nov 2023

GMTN Twenty-Fifth Supplemental Trust Deed - Nov 2023

GMTN Twenty-Forth Supplemental Trust Deed - Nov 2022

GMTN Twenty-Third Supplemental Trust Deed - Nov 2021

GMTN Twenty-Second Supplemental Trust Deed - Nov 2020

GMTN Twenty-First Supplemental Trust Deed - Nov 2019

2022_NAB_Annual_Report

2023_NAB_Annual_Report

BNZ_2021_Disclosure_Statement

BNZ_2022_Disclosure_Statement

BNZ_March_2023_Disclosure_Statement

2021_BNZ-IF_Financial_Statements

2022_BNZ-IF_Financial_Statements

Constitution_of_NAB

Constitution_of_BNZ

Constitution_of_BNZ-IF

Offering_Circular_dated_15_December_2011

Offering_Circular_dated_14_December_2012

Offering_Circular_dated_16_December_2013

Offering_Circular_dated_15_December_2014

Offering_Circular_dated_19_November_2015

Offering_Circular_dated_17_November_2016

Offering_Circular_dated_17_November_2017

Offering_Circular_dated_21_November_2018

Offering_Circular_dated_20_November_2019

Offering_Circular_dated_16_November_2020

Offering_Circular_dated_15_November_2021

Offering_Circular_dated_15_November_2022

Euro Commercial Paper and Certificate of Deposit Programme

Programme limit:	U.S.$20,000,000,000
Currencies:	U.S.$20,000,000,000 Multi
Issuer:	U.S.$20,000,000,000 National Australia Bank Ltd
Principal Paying Agent:	U.S.$20,000,000,000 Deutsche Bank AG, London Branch
CMU Lodging Agent:	U.S.$20,000,000,000 Deutsche Bank AG, Hong Kong Branch
Arranger:	U.S.$20,000,000,000 National Australia Bank Ltd
Dealers:	U.S.$20,000,000,000 National Australia Bank Ltd BoFA Merrill Lynch Barclays Citigroup Credit Suisse Goldman Sachs International NatWest Markets UBS Investment Bank
Governing Law:	U.S.$20,000,000,000 English
Offer Document:	U.S.$20,000,000,000 CP-CD Programme - Feb 2024

Covered Bond Programme

Programme limit:	U.S.$40,000,000,000
Currencies:	U.S.$40,000,000,000 Multi
Issuer:	U.S.$40,000,000,000 National Australia Bank Ltd
Covered Bond Guarantor:	U.S.$40,000,000,000 Perpetual Corporate Trust Ltd
Trust Manager:	U.S.$40,000,000,000 National Australia Bank Ltd
Principal Paying Agent:	U.S.$40,000,000,000 Deutsche Bank AG, London Branch
Registrar:	U.S.$40,000,000,000 Deutsche Bank AG, Frankfurt Deutsche Bank Trust Company Americas
U.S. Paying Agent:	U.S.$40,000,000,000 Deutsche Bank Trust Company Americas
Listing Agent:	U.S.$40,000,000,000 Deutsche Bank Luxembourg S.A.
A$ Registrar:	U.S.$40,000,000,000 Austraclear Services Ltd
N Covered Bond Paying Agent and Registrar:	U.S.$40,000,000,000 Deutsche Bank AG
Cover Pool Monitor:	U.S.$40,000,000,000 Ernst & Young
Co-Arrangers:	U.S.$40,000,000,000 National Australia Bank Ltd Deutsche Bank AG, London Branch
Dealers:	U.S.$40,000,000,000 National Australia Bank Limited nabSecurities, LLC Deutsche Bank Barclays BNP PARIBAS BofA Securities Citigroup Goldman Sachs International Goldman Sachs & Co. LLC HSBC J.P. Morgan Lloyds Bank Corporate Markets Lloyds Securities Morgan Stanley NatWest Markets RBC Capital Markets TD Securities UBS Investment Bank
Security Trustee:	U.S.$40,000,000,000 P.T. Ltd
Bond Trustee:	U.S.$40,000,000,000 Deutsche Trustee Company Ltd
Governing Law:	U.S.$40,000,000,000 English
Offer Document:	U.S.$40,000,000,000 Covered Bond Programme Prospectus - Nov 2023 Third Supplement to the Covered Bond Programme Prospectus - 3 May 2024 Second Supplement to the Covered Bond Programme Prospectus - 22 Feb 2024 First Supplement to the Covered Bond Programme Prospectus - 28 Dec 2023

Constitution of the Covered Bond Guarantor

Covered Bond Trust Eighteenth Deed of Amendment - Nov 2023

Covered Bond Trust Seventeenth Deed of Amendment - Nov 2022

Covered Bond Trust Sixteenth Deed of Amendment - Nov 2021

Covered Bond Trust Fourteenth Deed of Amendment - Nov 2020

Covered Bond Trust Twelfth Deed of Amendment - Nov 2019

2022_NAB_Annual_Report

2023_NAB_Annual _Report

2021_Trust_Financial_Statements

2022_Trust_Financial_Statements

2023_Trust_Financial_Statements

Prospectus_dated_23_November_2012

Prospectus_dated_20_November_2013

Prospectus_dated_19_November_2014

Prospectus_dated_17_November_2017

Prospectus_dated_21_November_2018

Prospectus_dated_20_November_2019

Prospectus_dated_16_November_2020

Prospectus_dated_15_November_2021

Prospectus_dated_15_November_2022

October_2023_Interim_Investor_Report

November_2023_Interim_Investor_Report

Wholesale Capital Notes Programme

Programme limit:	There is no programme limit
Issuer:	There is no programme limit National Australia Bank Ltd
Arranger:	There is no programme limit National Australia Bank Ltd
Dealer:	There is no programme limit National Australia Bank Ltd
Registrar:	There is no programme limit Austraclear Services Limited
Governing Law:	There is no programme limit Victoria, Australia
Offer Document:	There is no programme limit Wholesale Capital Notes Information Memorandum - Nov 2019

US Market

GMTN 144A Sub-Programme

3(a)(2) Program

US Extendible Note Program

Covered Bond 144A Sub- Programme

For further information or to request a copy of documentation relating to these programmes, please contact NAB Debt Investor Relations.