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GROUP BASEL III CAPITAL RATIOS 19.66% 17.97% 16.33% 15.80% 14.35% 22.25% 19.07% 17.01% 23.98% 17.90% 16.62% 14.61% 13.20% 14.01% 11.96% 12.37% 11.47% 10.39% Mar 20 APRA Common Equity Tier 1 ratios APRA to Internationally Comparable CET1 Ratio Reconciliation Sep 20 Mar 21 APRA Tier 1 ratios ■APRA Total Capital ratios Equivalent Internationally Comparable ratios¹ CET1 Group CET1 ratio under APRA 12.37% APRA's Basel capital adequacy standards require a 100% deduction from common equity for deferred tax assets, investments in non consolidated subsidiaries and equity investments. Under Basel Committee on Banking Supervision (BCBS) such items are concessionally risk weighted if they fall below prescribed thresholds Mortgages - reduction in loss given default floor from 20% to 15% and adjustment for correlation factor +79bps +184bps Interest rate risk in the banking book (IRRBB) - removal of IRRBB risk weighted assets from Pillar 1 capital requirements Other adjustments including corporate lending adjustments and treatment of specialised lending Group Internationally Comparable CET1 (1) Internationally Comparable CET1 ratios align with the APRA study entitled "International capital comparison study" released on 13 July 2015 +32bps +169bps 17.01% 92 92 National Australia Bank

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