Financial Performance and Remediation Update

OPERATING EXPENSES - HALF ON HALF OPERATING EXPENSES (EX LARGE NOTABLE ITEMS)¹ ($m) 3,932 3,863 HoH expense up 2.4% (YoY growth 1.8%) 20 9 105 (83) 40 3,954 Sep 20 Mar 21 Productivity savings Remuneration and inflation Technology and investment Depreciation and Amortisation Other Sep 21 (1) Refers to large notable items in FY20. No notable items in FY21 123 National Australia Bank

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