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37 PERSONAL BANKING CASH EARNINGS ($m) 9.5% REVENUE AND MARGIN 2.7% (9.1%) 1,260 1,380 (2.8%) 4,412 4,531 1.84% 1.96% 2.06% 2.02% 2,298 2,233 723 657 FY19 FY20 1H20 2H20 Mar 19 FY19 FY20 1H20 2H20 ■Total revenue ($m) Sep 19 Mar 20 ■Net interest margin Sep 20 HOUSING LENDING VOLUME GROWTH¹ ($bn) Owner Occupier 2.3% 152.9 CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) Investor (4.4%) 0.16% 0.13% 0.10% 0.14% 156.4 108.8 104.0 173 141 147 109 Mar 20 Sep 20 ■PB B&PB Mar 20 Sep 20 ■PB B&PB (1) APRA Monthly Authorised Deposit-taking Institution statistics September 2020. UBank included in Personal Banking Mar 19 Sep 19 Credit impairment charge Mar 20 Sep 20 Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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