Investor Presentaiton

QUICKBIZ FOR SMALL BUSINESS CUSTOMERS DIGITAL SMALL BUSINESS UNSECURED LENDING • . • Access to unsecured finance for term loan, overdraft, business cards, equipment loan and broker assisted customers Application and decisioning in as little as 20 minutes Expanded QuickBiz offering, increasing unsecured term loan lending limit from $100k to up to $250k for existing customers. Eligible customers can now apply for unsecured term loan and overdrafts directly through Internet Banking, enabling enhanced application experience through pre-population of existing customer information, reducing # of clicks by 100+. In response to COVID-19: • • Introduced a 200-basis point rate cut on new term loans and all overdrafts on QuickBiz effective 30 March, and a further 200-basis point rate cut on new term loans effective 6 November for 3 months Offered 6 month deferrals SMALL BUSINESS UNSECURED LENDING VIA QUICKBIZ Proportion of new small business lending accounts generated via QuickBiz¹ 14% 27% 43% 43% 0% FY16 FY17 FY18 FY19 FY20 QUICKBIZ APPLICATION GROWTH # Applications Reduction in applications in FY20 reflects challenging COVID-19 environment and increased take-up of NAB Business Support Loans 54 more money nab NAB QUICKBIZ LOAN - BORROW UP TO $250K* Apply now "Max $100k for new customers and 325k for isong customers. Terms, conditions and lending criteria apply $5,000 inverba Star 17 ABOUT YOUR LOAN TELLOUT YOUR ROSS P APPLICATION SIMARY NO " 2,732 FY17 12,695 9,512 FY18 FY19 11,258 FY20 (1) New QuickBiz loan and QuickBiz overdraft accounts as a percentage of total new term lending and overdraft accounts in the Small Business division. Excludes the NAB Business Support Loan, which is provided as part of the Australian Government's Coronavirus SME Guarantee Scheme, and the NAB JobKeeper Overdraft National Australia Bank

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