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Investor Presentaiton

COMMERCIAL RESPONSES - CLIMATE CHANGE Energy generation EAD 7.79 by fuel source¹ ($bn) 7.26 7.37 1.16 6.83 0.94 0.98 0.12 ■Gas 0.12 0.08 0.78 1.15 0.08 1.16 1.04 0.99 ■ Coal 1.94 1.74 1.93 1.70 ■Mixed Fuel 1.07 1.18 ■Other/Mixed Renewable 0.97 1.03 ■Hydro 2.09 2.35 2.35 2.31 Wind Renewables comprise 72.8% of energy generation EAD at 1H21, compared to 68.8% at 1H20 Longer-term trajectory: renewables have steadily increased from 43.5% of energy generation portfolio at 1H16. Sep 19 Mar 20 Sep 20 Mar 21 Resource EAD 11.54 by type ($bn) 10.64 1.45 1.03 9.33 0.62 ■Gold Ore Mining 0.75 0.74 8.41 1.08 0.76 0.84 0.60 ■Metallurgical Coal Mining 0.63 • 0.87 0.32 0.67 0.65 ■Thermal Coal Mining 2.39 Thermal coal exposures decreased 12.4% from 1H20, and 3.7% from FY20 0.76 0.65 2.18 ■Iron Ore Mining 2.05 2.02 1.40 1.31 ■Other Mining 1.40 1.41 ~36% of thermal coal mining EAD is for performance guarantees to rehabilitate existing coal mine sites ■Mining Services 3.73 4.09 2.74 2.76 2 ■ Oil & Gas Extraction Sep 19 Mar 20 Sep 20 Mar 21 55 (1) NAB methodology (based upon the 1993 ANZSIC codes) at net EAD basis. Excludes exposure to counterparties predominantly involved in transmission and distribution. Vertically integrated retailers included and categorised as renewable where majority of their generation activities sourced from renewable energy. More detail at https://www.nab.com.au/about-us/social-impact. (2) A significant contributor to the reduction of $1.3bn in the Resources portfolio between Mar-20 and Sep-20 is AUD currency appreciation of USD denominated exposures and lower mark-to-market positions of treasury-related products in the Oil & Gas extraction sector. National Australia Bank
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