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Investor Presentaiton

AUSTRALIA AND NZ KEY ECONOMIC INDICATORS AUSTRALIAN ECONOMIC INDICATORS (%)¹ NZ ECONOMIC INDICATORS (%)¹ CY18 CY19 CY20(f) CY21(f) CY22(f) CY18 CY19 CY20(f) CY21(f) CY22(f) GDP growth² 2.2 2.3 -4.7 4.6 2.9 GDP growth² 3.3 1.8 -5.7 3.2 4.2 Unemployment³ 5.0 5.2 7.6 6.9 5.9 Unemployment³ 4.4 4.1 6.6 6.4 4.6 Core Inflation4 Cash rate target³ 1.7 1.4 1.2 1.4 1.7 Inflation4 1.50 0.75 0.10 0.10 0.10 Cash rate (OCR)³ AUSTRALIAN SYSTEM GROWTH (%) 5 1.9 1.9 0.8 0.9 1.6 1.75 1.0 0.25 -0.50 -0.25 NZ SYSTEM GROWTH (%) 5 FY18 FY19 FY20 FY21(f) FY22(f) FY18 FY19 FY20 FY21(f) FY22(f) Housing 5.3 3.0 3.3 0.3 3.2 Housing 6.0 6.5 6.8 4.0 4.0 Personal -1.4 -4.4 -12.5 -1.5 0.0 Personal 4.7 0.1 -11.7 2.0 4.0 Business 4.5 3.3 2.0 1.8 4.2 Business 4.1 4.8 -1.1 -3.0 3.5 Total lending 4.6 2.7 2.0 0.7 3.4 Total lending 5.2 5.6 31 3.1 1.3 3.8 System deposits 2.1 3.8 11.7 0.7 3.4 Household retail deposits 6.9 5.1 9.4 3.0 3.8 105 (1) Sources: ABS, Econdata DX, RBA, RBNZ, Stats NZ, NAB December quarter on December quarter of previous year (2) (3) As at December quarter (4) 2015 December quarter on December quarter of previous year. For Australia, average of trimmed mean and weighted median indices (5) Source: RBA, RBNZ, NAB. Bank fiscal year-ended (September) National Australia Bank
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