Financial Performance and Remediation Update

BUSINESS & PRIVATE BANKING CASH EARNINGS ($m) 0.3% REVENUE AND MARGIN (1.0%) 36 3.9% 2,472 2,480 1,216 1,264 3.5% 6,278 6,216 2.90% 2.81% 2.83% 2.85% 3,054 3,162 FY20 FY21 1H21 2H21 FY20 FY21 1H21 2H21 ■Total revenue ($m) Mar 20 Sep 20 Mar 21 ■Net interest margin Sep 21 BUSINESS AND HOUSING LENDING GLAS ($bn) 6.6% CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) 5.1% 0.20% 0.13% 0.07% 0.04% 109.4 109.9 116.6 88.5 84.2 84.8 126 Mar 20 Sep 20 Mar 21 ■Business lending Sep 21 Sep 20 Mar 21 Housing lending Sep 21 196 Sep 20 70 Mar 21 39 Sep 21 Credit impairment charge Credit impairment as a % of GLAS (half year annualised) National Australia Bank

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