Investor Presentaiton

AUSTRALIAN BUSINESS LOAN (B&PB) DEFERRALS¹ DEFERRAL BALANCES² 19 17.3% Jun 20 39 12.2% 30 Further $4bn expiring by end of November 13 5 Sep 20 27 Oct 20 11 COMMENTS . • • Deferral extensions considered by SBS/NAB Assist on a case- by-case basis. Other options include forbearance or restructure ~$0.8bn has been referred to SBS/NAB Assist and to date ~30% of these have been granted an extension Victoria represent >50% of balances referred to SBS/NAB Assist and 30% of remaining deferral balances Customers in Retail Trade, Tourism, Hospitality & Entertainment sectors represent 38% of balances referred to SBS/NAB Assist and 16% of remaining deferral balances Deferral balances $bn Number of accounts deferred (000s) Deferral balances as % of total B&PB business lending CUSTOMER DEFERRAL OUTCOMES³ RISK CATEGORISATION BY EXPOSURE AT DEFAULT5 (%) Advised intent to resume repayment at deferral expiry 76%4 Referred to SBS/NAB Assist 6% 49 38 38 Loan payout 1% Lower risk Elected to resume repayments prior to deferral expiry 16% As at 27 October unless otherwise stated. Refers to customers eligible to receive a business loan deferral - excludes institutional and corporate customers. B&PB refers to Business & Private Banking Prepared using product based categorisation which differs to APRA reporting based on predominant loan purpose Percentages refer to balances of deferrals. Excludes customers where outcome not known (1) (2) (3) (4) Based on customer conversations prior to expiry of deferral (5) 28 20 Categorisation is based on NAB's internal methodology, which considers items viewed as material drivers of risk profiles including industry sectors, turnover, payment behaviour and customer risk scores. Represents exposure of deferral customers as at 30 September 2020 13 Higher risk National Australia Bank

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