Financial Performance and Remediation Update

SIMPLIFYING, DIGITISING AND INNOVATING NAB BNZ Sep 20 Up 59% Sep 21 1 Virtual assistant conversations www ك ~38k Virtual Assistant Conversations I 1300:1 Ratio of payments now executed digitally v/s in branch 65% I per week² Of simple consumer sales via digital³ Continued network simplification and modernisation to reflect customer needs 13% YOY Reduction in Branches and BBCs ~3,500 Australia Post outlets serving customers • Decommissioned all cheques, paper payments and FX cash Down 47% • Continued network simplification - Reduced data centre footprint reducing risk and cost • >50% of all home lending rollovers, lump sum payments and change repayment events now digital ANK OF THE YEAR CANSTAR 2021 ONLINE BANKING BNZ awarded best bank for online 95% reduction in OTC cash deposit transactions over 5 years FY18 FY21 banking in 2021 Banking products (1) Monthly YoY growth, Sept. 20 to 21 in VA conversations (2) Average # of weekly contacts answered by the Virtual Assistant from July to September 2021 (3) Simple consumer products refer to transaction accounts, savings accounts, credit cards and personal loans 48 National Australia Bank

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