Investor Presentaiton

INVESTMENT IS FOCUSED ON OUR KEY STRATEGIC PRIORITIES 11 Planned FY21 Investment spend ~$1.3bn Discretionary spend ~30% Other spend ~70% DISCRETIONARY INVESTMENT SPEND FOCUSED ON CORE PROJECTS TO SUPPORT GROWTH • Simplify business lending processes and policies • • . . • . Invest in bankers, processes and technology to improve customer experience Simpler and digital transactional banking Simplified end to end home lending process - initial focus on proprietary channels Grow UBank as a digital attacker with a differentiated proposition Enhanced use of data and analytics to deliver customer solutions and improve control environment Continue to enhance technology resilience via insourcing and migration of apps to the cloud . Investment to uplift systems, processes and control environment Focus on financial crime detection and prevention, and cyber security capability • Sydney and Melbourne commercial property fit outs National Australia Bank

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