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GROUP FINANCIAL PERFORMANCE GROWTH BY KEY FINANCIAL INDICATORS (EX LARGE NOTABLE ITEMS) (4.1%) 16 5.6% (25.9%) (410 bps) (140 bps) 10,056 9,640 (8.8%) 6,389 12.4 4,688 4,952 4,733 8.3 9.1 7.7 2,475 2,258 FY19 FY20 1H20 2H20 FY19 FY20 1H20 2H20 FY19 Underlying profit ($m) Cash earnings ($m) FY20 1H20 Cash ROE (%) 2H20 P&L key financial indicators FY20 ($m) FY20 V FY19 2H20 ($m) 2H20 v 1H20 Net Operating Income 17,319 (1.5%) 8,884 5.3% Operating Expenses 7,679 2.0% 3,932 4.9% Credit Impairment Charge 2,762 Large 1,601 37.9% National Australia Bank

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