Investor Presentaiton

97 LIQUIDITY LIQUIDITY COVERAGE RATIO (QUARTERLY AVERAGE) ($bn) 126% LCR 136% LCR 139% LCR 136% LCR 126 137 88 98 73 47 55 54 114 143 135 112 Sep 19 Mar 20 ■Net Cash Outflows Sep 20 ■ALA¹ Mar 21 ■ HQLA LCR MOVEMENT % Ave LCR Sep 20 139 HQLA 8 13 6--2 ALA-CLF Reduction ALA-TFF Drawn NCO Customer Deposits & Wholesale Funding Other 2 10 Ave LCR Mar 21 NET STABLE FUNDING RATIO COMPOSITION Group NSFR 122% as at 31 March 2021 $546bn Wholesale Funding & Other Non-Financial Corporate Deposits $448bn Liquids and Other Assets Retail/SME Deposits Other Loans Capital Available Stable Funding Residential Mortgages <35% RWA Required Stable Funding NET STABLE FUNDING RATIO MOVEMENT % 136 127 Sep 20 CLF Reduction (3.7) 0.0 1.6 (4.1) 0.6 (0.7) 1.3 Loans Deposits Wholesale Funding Capital Liquids (1) Committed Liquidity Facility (CLF) and Term Funding Facility (TFF) value used in LCR calculation is the undrawn portion of the facility. NAB's approved CLF was reduced to $31bn from February 2021, down from $55.1bn in 2020 and $55.9bn for 2019. The average amount of undrawn TFF included in the LCR was $12bn for the March Quarter (2) Other includes reduction in contingent funding obligations as a result of updates to documentation relating to NAB's secured funding programmes Derivatives & Other Mar 21 National Australia Bank 122

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