Investor Presentaiton

36 BUSINESS & PRIVATE BANKING CASH EARNINGS ($m) (11.6%) REVENUE AND MARGIN (5.4%) (17.5%) 2,817 2,489 1,364 (5.2%) 6,638 6,278 2.94% 2.92% 2.90% 2.81% 3,222 3,056 1,125 FY19 FY20 1H20 2H20 FY19 FY20 1H20 2H20 ■Total revenue ($m) Mar 19 Sep 19 Mar 20 ■Net interest margin Sep 20 BUSINESS AND HOUSING LENDING GLAS ($bn) 0.4% (4.6%) 109.4 109.0 109.1 88.3 86.1 84.2 Sep 19 Mar 20 ■Business lending CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS 0.22% 0.20% 0.12% 0.13% 217 119 Sep 20 Sep 19 Mar 20 Housing lending Sep 20 Mar 19 Sep 19 Credit impairment charge 126 Mar 20 196 Sep 20 Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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