Investor Presentaiton

PERSONAL BANKING CASH EARNINGS AND REVENUE ($m) 39 14.1% (24.7% HOH) 753 859 689 Mar 20 Sep 20 Cash earnings NET INTEREST MARGIN -3.0% (-0.2% HOH) 2,298 2.06% 2.05% 2,233 2,229 2.02% 1.96% Mar 21 Mar 20 Sep 20 ■Total revenue Mar 21 Sep 19 Mar 20 Sep 20 Mar 21 HOUSING LENDING GLAS ($bn) 208.5 208.1 206.7 206.8 CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) 0.13% 0.10% 0.14% (0.09%) 141 147 109 Sep 19 Sep 19 Mar 20 Sep 20 Mar 21 Mar 20 (93) Sep 20 Mar 21 Credit impairment charge/(writeback) Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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