Financial Performance and Remediation Update

BUSINESS LENDING GROWTH & MARKET SHARE AUSTRALIAN BUSINESS LENDING GROWTH (YOY)¹ 14.2% BUSINESS & PRIVATE BANKING Denotes lending balance as at 30 September 2021 6.6% 2.6% 3.4% 3.8% Agri Health CRE² Other NAB B&PB³ $35bn $8bn $29bn $45bn $117bn SME AND AGRI BUSINESS LENDING MARKET SHARE 2.3x system growth 32.8% 31.2% 31.2% 26.0% 26.0% 26.2% 26.4% 30.5% Mar 20 Sep 20 Mar 21 Aug 21 3 ■SME market share (RBA) Mar 20 Sep 20 Mar 21 Aug 21 ■ Agri market share (RBA) (1) Growth rates are on a customer segment basis and not industry (2) (3) CRE primarily represents commercial real estate investment lending across a range of asset classes including Retail, Office, Industrial, Tourism and Leisure, and Residential A business is classified as SME under the RBA if NAB has exposure to the business and the business has turnover less than $50 million. A business is classified as B&PB if NAB has exposure to the business less than $50m; and the business has turnover less than $100 million. 37 National Australia Bank

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