Investor Presentaiton

EXECUTING WELL IN C&IB, BNZ & UBANK • • • C&IB Disciplined growth Highly professional relationship managers and specialists GLAS 3%¹ up on HoH including 7%¹ lift in lending to target growth sectors (Infrastructure2, Investor, Securitisation) #1 provider of renewable energy finance in Australia³ Accelerating distribution activity with 2H21 pipeline >20% up on PcP including underwriting and arranging transactions BNZ Growth in personal and SME Growth in home lending 1.2x system growth in housing lending in 1H21 Business lending tilt away from lower returning segments Returns focus ($) 1H21 movement in business lending 1.99% 1.95% 1.90% 1.91% 127.6 137.8 129.9 125.7 Sep 19 Mar 20 Sep 20 Mar 21 Spot RWA ($bn) SME Agri Corporate IB Ex Markets pre provision profit % of RWA Property Finance (1) Growth rates excluding FX (2) Infrastructure includes Renewables • UBANK New customer acquisition Announced acquisition of 86 400 in Jan 21 received ACCC and APRA - approval4 U BANK 86400 UBANK ✓ Consistent with NAB's long-term strategy and growth plans to develop a leading digital bank ✓ Combines UBank's established customer base and brand with 86 400's technology and innovation capability NAB balance sheet strength and investment to support accelerated growth and continued innovation 13 (3) Bloomberg NEF Country Profile for Australia - Top Renewable Energy Players (2004 to 31 March 2021) (4) Acquisition of 86 400 expected to complete in 2H21, subject to obtaining approval of the scheme by the Federal Court National Australia Bank

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