Financial Performance and Remediation Update

ACCELERATING EXECUTION OF OUR DIGITAL, DATA AND ANALYTICS AGENDA • • Significant progress in FY21 driving better outcomes for customers and colleagues Payments innovation • One tap digital health insurance claims through HICAPS, via Apple Wallet • Launched merchant hub in partnership with Pollinate, providing customers with real-time payment insights • Launched Payments-as-a-Service enabling Fintechs to access NPP real- time payments - increased market share by 225 bps¹ Simplified lending experience - Simple Home Loans – from 10% to 80% eligibility rate in FY21 QuickBiz straight-through processing enabling disbursement within 20 mins ELT appointment builds on FY21 progress and reflects strategic importance of NAB's data and digital strategies Improved digital engagement & advocacy #1 Multichannel Bank for CX 20212 Record highs in mobile advocacy with +50 NPS, 6% YoY increase in mobile users • Increased self-serve • 65% simple consumer sales via digital • 13% increase in mobile payment value • Virtual Assistant chats up 59% YoY³ • NAB Assist - ~900 customers per week electing to 'pay now' or arrange payment through IB and mobile (1) (2) (3) Leveraging Data & Analytics • Retention, attrition and customer leads for bankers • Streamlined B&PB customer reviews • EedenBull partnership enables better analytics on business cards Open Data • Accredited Data Recipient • Innovating with the global Open Finance challenge Source: RBA (NAB domestic payments market share based on three month rolling average from September 2020 to August 2021) NAB received the highest CX IndexTM score among Banks Multichannel in Forrester's proprietary 2021 CX IndexTM survey. The ranking was based on responses from 1,487 Australian individuals measuring 5 brands in the industry. The proprietary survey results are based on consumers' opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX IndexTM report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports Monthly YoY growth, Sep 20 to 21 in VA conversations 15 (4) Expected launch in late calendar year 2021 initially for unsecured lending and existing customers only National Australia Bank

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