 National Australia Bank Limited OTCPK:NABZY Q3 2022 Earnings Conference Call November 8, 2022 6:30 PM ET Company Participants Sally Mihell - Head of IR Ross McEwan - Group CEO Gary Lennon - Group CFO Andrew Irvine - Group Executive, Business and Private Banking David Gall - Group Executive, Corporate and Institutional Banking Rachel Slade - Group Executive, Personal Banking Conference Call Participants Jarrod Martin - Credit Suisse Andrew Lyons - Goldman Sachs Jonathan Mott - Barrenjoey Victor German - Macquarie John Storey - UBS Ed Henning - CLSA Andrew Triggs - JPMorgan Brendan Sproules - Citi Brian Johnson - Jefferies Richard Wiles - Morgan Stanley Azib Khan - EP Sally Mihell Good morning, everyone, and thank you for joining us today for NABs Full-Year 2022 Results. Im Sally Mihell, Head of Investor Relations. 