Investor Presentaiton

HOUSING LENDING PORTFOLIO PROFILE HOUSING LENDING VOLUME BY BORROWER AND REPAYMENT TYPE¹ Owner Occupier 61.6% Owner Occupier Interest Only, 3.6% Investor Interest Only, 12.0% Investor Principal & Interest, 26.4% Investor 38.4% AUSTRALIAN MORTGAGES STATE PROFILE VIC/TAS 32% 65 Owner Occupier Principal & Interest, 58.0% OWNER OCCUPIER MONTHLY GROWTH¹ NSW/ACT 40% INVESTOR MONTHLY GROWTH¹ QLD 15% WA 8% SA/NT 5% 0.4% 1.0% 0.2% 0.8% 0.0% 0.6% -0.2% -0.4% 0.4% -0.6% 0.2% -0.8% -1.0% 0.0% Oct 20 Nov 20 Dec 20 Jan 21 Feb 21 Mar 21 Oct 20 Nov 20 Dec 20 Jan 21 Feb 21 Mar 21 -NAB growth MoM System growth MoM (1) Only includes housing loans to households based on APRA ARF 720.1 reporting definitions, and excludes counterparties such as private trading corporations -NAB growth MoM System growth MoM National Australia Bank

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