Investor Presentaiton

KEY METRICS HOUSING LENDING REVENUE HOUSING LENDING NET INTEREST MARGIN ($m) (%) 1,925 1,709 112 1,988 114 2,038 119 122 1,803 1,874 1,919 1,597 1.38% 1.42% 1.34% 1.37% 1.27% 1.30% 1.22% 1.16% Mar 19 Sep 19 ■NII Mar 20 Sep 20 Mar 17 Sep 17 Mar 18 Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 HOUSING LENDING GLAS ($bn) INVESTOR AND OWNER OCCUPIER GROWTH MOM' 1% 0% -1% 303.1 306.8 304.0 302.4 299.1 -2% Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep 16 17 17 17 17 18 18 18 18 19 19 19 19 20 20 20 -Investor growth MoM Owner Occupier growth MoM (1) Only includes housing loans to households based on APRA ARF 720.1 reporting definitions. Dec 16 to Mar 19 inclusive chart is prepared using APRA Monthly Banking Statistics. Jun 19 to Sep 20 inclusive are prepared using APRA Monthly Authorised Deposit-taking Institution Statistics 62 69 National Australia Bank

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