Investor Presentaiton

UNSECURED LENDING IS CORE TO OUR PERSONAL BANKING STRATEGY PERSONAL BANKING STRATEGY • Simple & digital Credit cards are an important product for our customers While total balances have declined in recent years, credit cards remain an important product facilitating customers' short-term cashflow needs Type of debt currently held by customers¹ $39bn Credit card balances² 4 1. 2. • Flexible and professional bankers able to serve customers whenever, wherever and through any channel they choose Deliver a simple and digital everyday banking experience, including unsecured lending Deliver Australia's simplest home loan 41% 34% 19% 18% Credit card Home Loan Personal loan BNPL >16m Credit cards on issue² Payments are more frequent; credit cards remain material as a share of total payments Credit cards are used for payments ~6x per week / ~265m transactions per month Monthly spend almost at pre-COVID levels – potential upside when international travel resumes Monthly value of credit card transactions in Australia² ($bn) 30 25 20 15 COVID 10 impact May 11 May 13 May 15 May 17 May 19 May 21 ~$27bn per month Credit card transactions² >40% Credit cards as a % of total card payments² Deepens customer relationships and improves Personal Banking share of wallet CC / PL customers 1.8x more likely to take out a home loan vs transactional customers • Transaction data will be key to product and service innovation in personal banking. Innovation supports customer acquisition and retention Q1 2021 NAB Consumer Insight Report - Buy Now Pay Later. % of customers with each type of debt based on survey responses from a representative sample of >2,000 Australian customers Source: RBA National Australia Bank

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