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FUNDING PROFILE GROUP STABLE FUNDING INDEX (SFI) 98 AUSTRALIAN CORE FUNDING GAP2 ($bn) APRA Methodology Change¹ 260 101% 240 86% 90% 91% 93% 93% 23% 220 20% 20% 22% 24% 23% 200 66% 70% 69% 69% 70% 78% 180 160 Sep 12 Sep 14 Sep 16 Sep 18 ■Customer Funding Index Sep 19 Sep 20 140 Sep 17 Mar 18 Sep 18 Mar 19 ■Term Funding Index 1 Sep 19 NAB Peer 1 Peer 2 Mar 20 Peer 3 Sep 20 DEPOSIT GROWTH ($bn) Business & Private Banking Personal Banking New Zealand Banking Corporate & Institutional Banking Corporate Functions 3.5 10.6 | 0.1 & Other 12 months to 30 September 2020 13.6 15.8 DEPOSIT PORTFOLIO ($bn) 468 408 409 425 72 47 51 54 200 195 211 261 161 163 Sep 17 Sep 18 ■ Term Deposits Deposits Not Bearing Interest 160 Sep 19 135 Sep 20 ■ On Demand and Savings Deposits (1) The Term Funding Index includes Term Funding Facility (TFF) drawdowns. (2) Australian core funding gap = Gross loans and advances plus Acceptances less Total deposits (excluding financial institution deposits and certificates of deposit). APRA Monthly Banking Statistics are used from Sep 17 to Mar 19. Apr 19 onwards is prepared using APRA Monthly Authorised Deposit-taking Institution Statistics as at September 2020 National Australia Bank

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