ASX set for subdued start; NAB Q3 cash profit down 7%

Summary

• SPI futures are down 0.05% and hint at a weak start for the ASX 200. Wall St was mixed overnight. 
• NAB's third quarter unaudited cash earnings slipped 7% to $1.55b, hurt by higher charges for bad loans
• Mesoblast has won US regulatory approval for its remestemcel-L product for treating graft-versus-host disease in children 
• RBA Governor Philip Lowe is due to speak before the House of Representatives standing committee on economics