Investor Presentaiton

OTHER BANKING PRODUCTS PERSONAL LENDING BALANCE AND MARKET SHARE¹ 72 ($bn) 9.9% 9.3% 9.1% 8.9% CARDS BALANCE AND MARKET SHARE2,3 ($bn) 13.3% 13.2% 13.2% 13.3% 1.5 1.4 1.1 5.7 5.4 4.4 4.6 1.0 Sep 19 Sep 20 Mar 21 Sep 19 Mar 20 Sep 20 Mar 21 -Market share Cards Market share Mar 20 Personal Lending CARDS² AND PERSONAL LENDING 90+ DPD AND AS % OF TOTAL CARDS AND PERSONAL LENDING GLAS CONSUMER CARDS 90+ DPD AS % OF OUTSTANDINGS ($m) 1.6% 1.4% 1.10% 1.13% 1.16% 1.2% 0.82% 1.0% 0.8% 80 80 77 64 46 0.6% 0.4% Sep 19 Mar 20 Sep 20 Mar 21 Mar 18 Sep 18 Mar 19 90+ DPD 90+ DPD/GLAS - NSW/ACT QLD Sep 19 SA/NT Mar 20 Sep 20 Mar 21 VIC/TAS -WA -Total (1) Personal Loans market share is based on RFI peer group benchmarking and includes secured and unsecured loans (2) Includes consumer and commercial cards eNo (3) Market share refers to consumer cards only National Australia Bank

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