Investor Presentaiton

INVESTMENT SPEND & CAPITALISED SOFTWARE INVESTMENT SPEND - OPEX AND CAPEX ($m) 915 696 655 654 56% 510 46% 47% 39% 39% 54% 44% 53% 61% 61% Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 ■ Opex ■Capex CAPITALISED SOFTWARE - BALANCE AND AMORTISATION PROFILE ($m) 113 1,810 1,955 1,922 Spot implied useful life of software reducing – now 4.3 years¹ Capitalised Software balance 204 138 Amortisation charge 1H20 2H20 1H21 (1) Calculated using the capitalised software balance for the period divided by the annualised 1H21 amortisation charge 223 National Australia Bank

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