Investor Presentaiton

NAB AT A GLANCE >31,000 Employees CASH EARNINGS DIVISIONAL SPLIT¹ Division Business & Private Banking Personal Banking Corporate & Institutional Banking New Zealand Banking Corporate Functions & Other Cash Earnings GROSS LOANS & ACCEPTANCES SPLIT Unsecured Lending 1% Business Loans 41% ~8 million Customers 814 Branches/Business centres >160 years in operation % of Cash Earnings 36% 26% 24% Key Financial Data Cash Earnings¹ Cash ROE Gross Loans & Acceptances Non-performing loans to GLAS² 17% (3%) CET1 (APRA) 100% NSFR (APRA) Australian Market Share Mortgages Business lending³ 58% Housing lending³ Personal lending4 Cards³ Credit Ratings NAB Ltd LT/ST =@ST (1) Refer to page 114 for definition of cash earnings and reconciliation to statutory net profit (2) 90+ days past due and gross impaired assets to gross loans and acceptances (3) APRA Monthly Authorised Deposit-taking Institution statistics (4) Personal loans business tracker reports provided by RFI, represents share of RFI defined peer group data 33 1H21 $3,343m 11.1% $599bn 123 bps 12.37% 122% As at March 21 21.6% 14.4% 8.9% 13.3% S&P AA-/A-1+ (Negative) Moody's Aa3/P-1 (Stable) Fitch A+/F1 (Stable) National Australia Bank

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