Investor Presentaiton

COMMERCIAL RESPONSES - SUPPORTING INDUSTRY AND COMMUNITIES FINANCIAL HEALTH AND INCLUSION • . • • Implemented measures to block descriptions in transfers made via internet banking that contain abusive, threatening or explicit language to further our work in addressing financial abuse Ongoing capital commitment of $130 million to support microfinance initiatives, including >$1m worth of NILS loans provided to support customers affected by COVID-19 Australian Network on Disability Access and Inclusion Index score of 71, compared with an average of 44 from participating organisations Rolling out Portable Hearing Loop devices across all branches to support customers who are hard of hearing SUSTAINABLE AGRICULTURE • Progressed NAB's Natural Capital Roadmap through continued collaboration with ClimateWorks, presenting the Natural Capital Metric Catalogue to a range of advisory industry bodies, technology, research, financial institutions and government stakeholders Supported a CSIRO research project to develop and apply a framework for natural capital risk assessment in the Australian forestry industry • INDIGENOUS ECONOMIC PARTICIPATION Progressed key NAB Elevate Reconciliation Action Plan¹ commitments: - - $1.5m spent with Indigenous businesses in NAB's supply chain 3,443 microfinance loans provided to Indigenous Australians² Increased calls to the Indigenous Customer Service Line, with >1,880 customers served during 1H21 Released our first radio advertising campaign available in seven First Nations languages AFFORDABLE AND SPECIALIST HOUSING • Financed ~240 affordable and environmentally sustainable dwellings with Nightingale Housing across multiple projects; Nightingale Village, Terrace House & Ballarat. These contribute towards NAB's goal of $2bn in financing for affordable and specialist housing by FY23 Closed GBP 212.5m deals to English Regulated Housing Associations, over 50% structured on a sustainability-linked basis³ · Joint-lead manager and ESG Structuring Bank for Kensington Mortgage Company's world-first social GBP 472m RMBS, improving access to finance for buyers with non-traditional incomes 57 (1) NAB's Elevate Reconciliation Action Plan (2019-2021) outlines our commitments to support Indigenous Australians, available at http://nab.com.au/indigenous (2) Microfinance loans provided in partnership with Good Shepherd Australia and New Zealand (GSANZ), loans provided to Indigenous Australians are reported aligned to GSANZ's July-June reporting year. 1H21 numbers therefore reflect 1 July 2020 - 31 December 2020 (3) Deals lead by NAB London Branch, an "Early adopter" to the Sustainability Reporting Standard for Social Housing in the UK National Australia Bank

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