Investor Presentaiton

FUNDING & LIQUIDITY PROFILE KEY MESSAGES . • Liquidity remains strong with significant surpluses above regulatory minimums Strong deposit inflows continued in line with system trends Term Funding Facility (TFF) of $25.4bn at 30 September, with the full Initial Allowance of $14.3bn drawn down. Supplementary Allowance of $9.6bn available from 1 October TFF to be utilised to support lending and refinance wholesale funding maturities TERM FUNDING FACILITY I TFF available November 2020 Additional Allowance: $4.2bn² Supplementary Allowance: $9.6bn Initial Allowance: $14.3bn 2H21 Term Funding Maturities: $14bn³ 1H21 Term Funding Maturities: $11bn³ Drawn TFF: $14.3bn LCR1 NSFR 130 136 139 126 127 112 113 116 100% minimum LIQUID ASSET PORTFOLIO ($bn) 252 204 82 173 180 50 50 34 51 43 40 46 82 111 136 84 Mar 19 Sep 19 Mar 20 Sep 20 ■LCR (%) Mar 19 Sep 19 Mar 20 Sep 20 ■NSFR (%) Mar 19 Sep 19 Mar 20 Sep 20 ■ Government, Cash & Central Bank ■Internal RMBS (post haircuts) ■ Bank, Corporates & Other At 30 September 2020, NAB's Additional Allowance was $11.1bn. Available TFF as at September 2020 is used for the purposes of calculating NSFR and LCR, did not include the Supplementary Allowance available from October 2020 (1) Quarterly average (2) (3) Excludes BNZ maturities. Spot FX 31 National Australia Bank

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