Investor Presentaiton

CORPORATE & INSTITUTIONAL BANKING CASH EARNINGS ($m) (2.6%) 0.6% ex CVA¹ MARGINS AND REVENUE BREAKDOWN² ($m) Revenue Margins 2.7% 4.6% ex CVA¹ 9.6% 16.4% ex CVA¹ 742 862 Markets revenue up 16.2% (24.9% 1.70% 1.72% 1.63% 1.59% 1,508 1,469 ex CVA¹) 701 768 2,624 2,595 Non Markets 0.73% 0.69% 0.70% 0.81% FY19 FY20 1H20 2H20 revenue down (1.1%) FY19 FY20 Mar 19 Sep 19 Mar 20 Sep 20 Corporate & Institutional Banking ex Markets RETURNS FOCUS ($bn) 1.83% CREDIT IMPAIRMENT CHARGES AND AS A % OF GLAS ($m) 1.81% 1.70% ex CVA¹ 1.65% 1.63% 114.7 112.3 FY17 FY18 0.37% 127.6 129.9 0.09% 0.06% 10.0 11.4 117.6 118.5 43 FY19 FY20 Mar 19 27 Sep 19 (0.01%) (6) Mar 20 176 Sep 20 Model and Methodology change RWA Underlying RWA Credit impairment charge Credit impairment as a % of GLAS (half year annualised) Pre provision profit % of RWA 3,4 (1) Excludes CVA model change in 2H20 of $65m ($48m after tax) (2) (3) (4) F Markets revenue represents Customer Risk Management revenue and NAB Risk Management Revenue. Includes derivative valuation adjustments FY19 pre provision profit % of RWA impacted by 14bps due to model and methodology changes increasing RWAs by $10bn FY17-19 pre provision profit % of RWA restated to align to FY20 pre provision profit % based on spot RWAS 38 National Australia Bank

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