Investor Presentaiton

NAB AT A GLANCE >34,000 Employees CASH EARNINGS DIVISIONAL SPLIT¹ Personal Banking 29% Corporate & Institutional Banking 31% ~9 million Customers New Zealand Banking 21% Business & Private Banking 53% GROSS LOANS & ACCEPTANCES SPLIT Unsecured Lending 1% Business Loans 41% Corporate Functions & Other (34%) 859 Branches/Business centres >160 years in operation Key Financial Data Cash Earnings Cash Earnings¹ Cash ROE¹ Gross Loans & Acceptances Non-performing loans to GLAS² CET1 (APRA) NSFR (APRA) FY20 $3,710m $4,733m 8.3% $594bn 103bps 11.47% 127% Australian Market Share As at September 2020 Mortgages 58% Business lending³ 21.5% Housing lending³ 14.6% Personal lending4 9.2% Credit Ratings NAB Ltd LT/ST S&P AA-/A-1+ (Negative) Moody's Aa3/P-1 (Stable) Fitch A+/F1 (Negative) Numbers are shown excluding large notable items. Refer to page 118 for definition of cash earnings and reconciliation to statutory net profit 90+ days past due and gross impaired assets to gross loans and acceptances (1) (2) (3) APRA Monthly Authorised Deposit-taking Institution statistics (4) 41 Personal loans business tracker reports provided by RFI, represents share of RFI defined peer group data. Market share is at Aug 20 National Australia Bank

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