Investor Presentaiton

BUILDING MOMENTUM IN PERSONAL BANKING HOME LOAN APPLICATIONS UP AND GROWTH CLOSER TO SYSTEM Applications up ~45% System growth multiple improving and market share stabilising 1H20 14.6% 14.5% 14.5% 14.4% 14.4% 14.4% 0.7 0.5 0.2 0.3 0.3 -0.6 Market share NAB HL growth x system 2H20 1H21 Oct 20 Nov 20 Dec 20 Jan 21 Feb 21 Mar 21 TURNAROUND TIMES IMPROVING 'Time to yes"¹ improved ~30% Mar 20 Sep 20 Mar 21 (1) Monthly median days to unconditional approval measured from time of a customer's application 12 SUPPORTED BY SIMPLE HOME LOANS • A digital home loan application tool simplifying the application experience for bankers and customers • ~60% of proprietary applications currently eligible • Continue to expand eligible customers and progressively rollout to B&PB and Broker in 2H21 'Time to Yes' for applications through Simple Home Loans ~50% In <1 day National Australia Bank

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