Investor Presentaiton

GROUP ESTIMATED LONG RUN LOAN LOSS RATE 1985 TO 2021 GROUP BUSINESS MIX - GLAS BY CATEGORY 1985 Personal lending 8% ESTIMATING LONG RUN LOAN LOSS RATE NAB Australian geography net write off rates as a % of GLAS 1985 - 2020² Long run average Home lending 16% 2021 Home lending 58% Home lending³ 0.03% Commercial¹ 76% Personal lending³ 1.55% Commercial³ 0.53% Australian average (1985-2020) 0.33% Personal lending 1% Group average based on 2021 business mix 0.25% Commercial 41% Group average4 based on 2021 business mix excluding 1991-1993 and 2008-2010 0.18% 75 (1) For 1985 Group business mix, all overseas GLAs are allocated to Commercial category (2) Data used in calculation of net write off rate as a % of GLAs is based on NAB's Australian geography and sourced from NAB's Supplemental Information Statements (2007 - 2020) and NAB's Annual Financial Reports (1985 - 2006) (3) Home lending represents "Real estate - mortgages" category; Personal lending represents "Instalment loans to individuals and other personal lending (including credit cards)" category; Commercial represents "all other industry lending categories" as presented in the source documents as described in note 2 above (4) Group average is calculated by applying each of the Australian geography long run average net write off rates by product to the respective percentage of Group GLAS by product as at 31 March 2021. Commercial long run average net write off rate has been applied to acceptances National Australia Bank

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