Investor Presentaiton

FUNDING COSTS INDICATIVE TERM WHOLESALE FUNDING ISSUANCE COSTS¹ 400 TERM DEPOSIT PORTFOLIO COSTS² (bps) 80 300 200 100 0 Sep 18 Mar 19 3 yr senior Sep 19 5 yr senior Mar 20 10yr senior Sep 20 Mar 21 10NC5 Tier 2 70 60 60 50 50 40 40 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 DOMESTIC SHORT TERM WHOLESALE FUNDING COSTS³ (bps) CASH RATES (bps) 0.75 60 50 40 0.5 30 20 0.25 10 0 -10 0 Mar 19 Sep 19 Mar 20 3M Bills-OIS Spread Sep 20 -90 Day Moving Average Mar 21 Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 RBA Target Cash Rate -Interbank Overnight Cash Rate (IOCR) (1) Indicative Major Bank Wholesale Tier 2 Subordinated and Senior Unsecured Funding rates over 3m BBSW using a blend of multi-currency inputs (3 years, 5 years, 10-year non-call 5-year and 10 years) (2) Management data. Total deposit portfolio cost over relevant market reference rate. Australia only (3) Spread between 3 month AUD Bank Bill Swap Rate and Overnight Index Swaps (OIS). Source: Bloomberg 101 National Australia Bank

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