Investor Presentaiton

BUSINESS & PRIVATE BANKING CASH EARNINGS AND REVENUE ($m) 36 -10.3% (9.0% HOH) -5.2% (-0.1% HOH) NET INTEREST MARGIN 3,222 3,056 3,054 2.92% 2.90% 2.81% 2.83% 1,356 1,116 1,216 Mar 20 Sep 20 Mar 21 Mar 20 Sep 20 ■Total revenue Mar 21 Sep 19 Mar 20 Sep 20 Mar 21 ■Cash earnings BUSINESS AND HOUSING LENDING GLAS ($bn) 0.7% (0.5% HOH) -1.5% (0.7% HOH) CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) 0.22% 0.20% 0.13% 0.07% 109.9 109.1 109.4 86.1 84.2 84.8 217 Mar 20 Sep 20 ■Business lending Mar 21 Sep 19 Mar 20 Sep 20 Housing lending Mar 21 126 Mar 20 196 Sep 20 70 Mar 21 Credit impairment charge Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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