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Investor Presentaiton

COMMERCIAL RESPONSES - SUPPORTING INDUSTRY AND COMMUNITIES PROGRESS ON OUR COMMITMENTS • . >$1.2bn provided to support the growing fintech sector: part of 2020-2025 $2bn lending commitment to emerging technology companies >$11m lent to not-for-profit groups and other organisations to build affordable and specialist housing: part of 2020-2023 $2bn financing pledge $2.4m spent with Indigenous businesses: part of $2.6m by 2021 commitment 6,906 microfinance loans provided to Indigenous Australians¹: part of commitment to provide 19,000 loans by 2021 SUSTAINABLE AGRICULTURE • • Draft sustainable agriculture metrics agreed with ClimateWorks: a key step in NAB's Natural Capital Roadmap. In FY21, we will test with customers, farmers and industry to refine, and embed metrics Research project with CSIRO confirmed positive correlation of natural capital measures within Queensland grazing properties with financial performance, testing to explore links with bank data underway BNZ, in partnership with AgFirst Consulting, launched a series of natural capital factsheets to support Agribusiness customers with key environmental topics and on-farm impacts FINANCIAL HEALTH AND RESILIENCE . 26,621 Australian customers referred to NAB Assist for hardship assistance, up 35% reflecting bushfires and COVID-19 support² First Australian bank to offer gambling control via app: >47,000 customers switched on blocks on >64,000 cards Expanded Indigenous Customer Service Line capability - can open customer accounts remotely using alternative forms of identification: >2,500 customers served in 2020 Driving inclusive banking through our Reconciliation Action Plan, Accessibility Action Plan and Customers experiencing Vulnerability Framework BUSHFIRE RECOVERY AND ASSISTANCE $0.55m 0.15 0.40 Donations ($m) $2.99m >1,500 grants provided >1,700 days of bushfire related 1.29 annual leave taken ~4,000 volunteering hours contributed 1.70 Grants ($m) ■Local organisations ■ARC disaster & recovery Business customer premises loss Customer & employee home loss ~$770k also collected via public fundraising for the Australian Red Cross 46 (1) Microfinance loans provided in partnership with Good Shepherd Australia and New Zealand (GSANZ), loans provided to Indigenous Australians are reported aligned to GSANZ's July-June reporting year (2) Note this number reflects customers who have been referred to NAB Assist, and is not inclusive of customers with an active deferral as at 30 September 2020 National Australia Bank
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