Investor Presentaiton

INVESTMENT SPEND AND CAPITALISED SOFTWARE INVESTMENT SPEND - OPEX AND CAPEX ($m) 915 696 655 654 56% 47% 39% 46% CAPITALISED SOFTWARE ($m) 2,688 54% 44% 53% 61% Mar 19 Sep 19 Mar 20 Sep 20 ■Opex ■Capex INVESTMENT SPEND - TYPE ($m) 117 1,955 Spot implied useful life of software 5.7 years¹ 915 696 654 655 254 612 137 195 107 237 248 270 186 342 424 273 311 278 Mar 19 Sep 19 Mar 20 Sep 20 ■Customer experience, efficiency, sustainable revenue Capitalised Software balance Amortisation charge² ■Compliance and risk ■Infrastructure ■ FY19 ■ FY20 (1) Calculated using the capitalised software balance for the period divided by the FY20 amortisation charge excluding accelerated amortisation (2) Excludes accelerated amortisation charges National Australia Bank

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