Investor Presentaiton

HOUSING LENDING PORTFOLIO PROFILE HOUSING LENDING REVENUE HOUSING LENDING VOLUME GROWTH¹ ($bn) ($m) 1,925 122 1,988 114 2,038 119 2,085 108 Owner Occupier 5.8% (3.4% HOH) 152.9 156.4 1,803 1,874 1,919 1,977 Investor -7.5% (-3.3% HOH) 161.7 108.8 104.0 100.6 Sep 19 Mar 20 ■ NII Sep 20 Mar 21 Mar 20 Sep 20 ■PB B&PB Mar 21 Mar 20 Sep 20 ■PB B&PB Mar 21 HOUSING LENDING BY CHANNEL ($bn) 112.5 113.0 114.8 103.8 101.9 100.1 86.1 84.2 84.8 HOUSING LENDING FLOW MOVEMENTS ($bn) 41 (4) (15) (21) 299 300 Mar 20 Sep 20 Mar 21 Mar 20 Sep 20 Mar 21 Mar 20 Sep 20 Mar 21 Sep 20 New fundings & redraw ■Retail and UBank Broker and Advantedge Interest & Repayments Pre- payments External refinance Mar 21 & closures ■■Business and Private (1) APRA Monthly Authorised Deposit-taking Institution statistics March 2021. UBank included in Personal Banking 64 National Australia Bank

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