PitchSend

Investor Presentaiton

LEVERAGING STRONG TECHNOLOGY FOUNDATION CLOUD MIGRATION, APP REDUCTION & RESILIENCE • • Continuing strategy of cloud migration and reduction in apps Announced strategic partnership with Microsoft - plan to migrate 80% of apps to the cloud CONTINUED FOCUS ON CYBER, FINANCIAL CRIME AND FRAUD • Investment and continued focus on cyber security and fraud detection has yielded strong outcomes • Broadly stable losses despite surge in attempted fraud Reduction in applications 7% Since FY17 • • ($bn) 38% 19% 3% High and Critical incidents reduction FY18 FY19 FY20 1.8 70% ■% Applications migrated to cloud Since FY17 1.2 NAB Connect migrated to the cloud with benefits including secure and scalable capacity and improved platform resilience and reliability for customers 40 40 Improvement in NAB Connect NPS +25 +16 • 0.6 Achieved 50% faster cyber detection and response capabilities 40x increase in data protection efficacy through preventative control uplifts Attempted fraud vs estimated losses LI Q3 0.0 Q1 Q2 Q4 ■Attempted fraud ■Estimated fraud losses . -1 ♡ -40 FY17 FY18 FY19 FY20 (1) Since June 2017 12 Leading an industry consortium - "Clean Pipes", that seeks to target and filter malicious internet traffic at risk of harming the community Invested $300m to uplift financial crime capabilities¹ and now have >1,000 colleagues dedicated to managing financial crime risks National Australia Bank

View entire presentation