Financial Performance and Remediation Update

PERSONAL BANKING CASH EARNINGS ($m) 39 14.4% 1,650 1,442 (7.9%) REVENUE AND MARGIN (1.9%) (0.6%) 4,531 4,445 2.06% 2.02% 2.05% 2.01% 2,229 2,216 859 791 FY20 FY21 1H21 2H21 Mar 20 FY20 FY21 1H21 2H21 ■Total revenue ($m) Sep 20 Mar 21 ■Net interest margin Sep 21 HOUSING LENDING GLAS ($bn) CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) 0.10% 0.14% 147 109 208.1 206.7 206.8 212.0 Mar 20 Mar 20 Sep 20 Mar 21 Sep 21 Sep 20 (0.09%) (0.00%) (2) (93) Mar 21 Sep 21 Credit impairment charge/(write-back) Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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