Investor Presentaiton

GROUP AGRICULTURE, FORESTRY & FISHING EXPOSURES GROUP EAD $47.7BN SEPTEMBER 2020 Australia 67% New Zealand 33% AUSTRALIAN DROUGHT CONSIDERATIONS • Most drought-affected regions have seen good rainfall throughout 2020, which has improved the outlook for the sector • Asset quality remains sound, noting that the sector faces some uncertainty due to of falling commodity prices and the potential impact from geopolitical tensions • NAB continues supporting farming customers through disaster relief packages and a moratorium on branch closures in affected regions • Collective provision forward looking adjustment reduced by $91m to $89m at 30 September 2020, reflecting easing of drought conditions for the bulk of exposures AUSTRALIAN AGRICULTURE, FORESTRY & FISHING Diverse Portfolio EAD $31.8bn September 2020 84 Other Crop & Grain 7% Grain 11% Dairy 5% Cotton 5% Vegetables 3% Beef 20% Forestry & Fishing 3% Services 9%. Mixed 24%/ Australian Agriculture Asset Quality Australian Agriculture Portfolio Well Secured¹ ($m) 0.44% 0.46% 0.49% 0.48% Fully Secured 85% 0.43% Sheep/Beef 7% 118 120 132 146 153 Sheep 3% Other Livestock 2% Poultry 1% Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 90+DPD & Impaired as % EAD Partially Secured 14% Unsecured 1% (1) Fully Secured is where the loan amount is less than 100% of the bank extended value of security; Partially Secured is where the loan amount is greater than 100% of the bank extended value of security; Unsecured is where no security is held and/or no value held against the security and negative pledge arrangements are normally in place. Bank extended value is calculated as a discount to market value based on the nature of the underlying security National Australia Bank

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