Financial Performance and Remediation Update

NAB AT A GLANCE Division Business & Private Banking >32,000 Employees CASH EARNINGS DIVISIONAL SPLIT¹ ~8 million Customers % of FY21 Cash Earnings 38% Key Financial Data Cash Earnings¹ Cash ROE 748 Branches/Business centres >160 years in operation Personal Banking 25% Corporate & Institutional Banking 18% New Zealand Banking 18% CET1 (APRA) Gross Loans & Acceptances Non-performing loans to GLAS² FY21 $6,558m 10.7% $629bn 94 bps 13.00% Corporate Functions & Other 1% Cash Earnings 100% NSFR (APRA) GROSS LOANS & ACCEPTANCES SPLIT Australian Market Share 123% As at September 21 Mortgages 57% Business lending³ 22.0% Unsecured Lending 1% Housing lending³ 14.4% Personal lending4 9.2% Business Loans 42% =@ST (1) Refer to page 125 for definition of cash earnings and reconciliation to statutory net profit (2) 90+ days past due and gross impaired assets to gross loans and acceptances (3) APRA Monthly Authorised Deposit-taking Institution statistics (4) Personal loans business tracker reports provided by RFI, represents share of RFI defined peer group data 33 Cards³ Credit Ratings NAB Ltd LT/ST 13.4% S&P AA-/A-1+ (Stable) Moody's Aa3/P-1 (Stable) Fitch A+/F1 (Stable) National Australia Bank

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