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Investor Presentaiton

COMMERCIAL RESPONSES - CLIMATE CHANGE • SUPPORTING CUSTOMERS' TRANSITION Completed initial financed emissions estimate for key Australian customer segments: agribusiness, commercial real estate (office and retail), NGER exposed entities (power generation and resources, including mining, oil and gas) and residential (mortgages)1 Emissions estimate indicates that NAB lends approximately $23,320 to these sectors in Australia for every tonne of GHG emissions released to atmosphere by customers in these industry segments This work provides a baseline for supporting customers' decarbonisation and will help us track decarbonisation of the Group's lending portfolio to net zero by 2050 FY20 HIGHLIGHTS First Australian bank to be a signatory of UN Principles for Responsible Banking Collective Commitment to Climate Action (CCCA) participating with other member banks to deliver on CCCA commitments #1 Australian bank for global renewables transactions, and 20th largest lender to renewable energy industry in the world in FY202 . #1 Australian company in Corporate Knights 2020 Global 100 Most Sustainable Companies Index FINANCED EMISSIONS ESTIMATE¹ Industry sector Agriculture Residential (mortgages) Commercial Real Estate (office and retail) Power generation Resources (including mining, oil and gas) Emissions intensity EAD / tCO2-e TOP RENEWABLE ENERGY PLAYERS - AUSTRALIA³ Cumulative value of deals in USDbn (2004 – 2020) National Australia Bank Ltd Clean Energy Finance Corp $6,797 $46,009 $189,600 $554 $2,164 2.7 1.6 Mitsubishi UFJ Financial Group Inc 1.5 Australia & New Zealand Banking Group Ltd 1.4 Westpac Banking Corp 1.4 Sumitomo Mitsui Financial Group Inc 1.2 1.2 1.1 Commonwealth Bank of Australia BNP Paribas SA 1.1 0.9 Mizuho Financial Group Inc Societe Generale SA 45 (1) Key assumptions and information notes about the methodology used to estimate the financed emissions are available in the Group's 2020 Sustainability Data Pack, to be published 11 November (2) Rankings based on IJGlobal League Table, MLA, Renewables, Last 12 months ending 30 September 2020, Value of Deals (database searched on 16 October 2020) (3) Data Source: Bloomberg NEF Country Profile for Australia - Top Renewable Energy Players (2004 to 3Q 2020). Cumulative totals are in USD as at 30 September 2020. Totals do not include large hydro National Australia Bank
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