Investor Presentaiton

SOME DEFERRAL CUSTOMERS EXPERIENCING STRESS HOME LOAN CUSTOMERS EXITED DEFERRALS¹ ~$4.9bn (~10% of total deferral balances) of exited deferral customers are behind on repayments and being managed on a case-by- case basis in NAB Assist Of the $4.9bn balances, $2.4bn are 90+ DPD, including over representation from Victoria and IO conversions SME BUSINESS LOAN CUSTOMERS EXITED DEFERRALS² • ~$2bn (~9% of deferral EAD) of exited deferral customers being managed by SBS3, of which $0.2bn are 90+ DPD Relatively low level of 90+ DPD reflects customers' strong cash buffers, including as a result of our continuing support to customers and government stimulus Key industries being managed by SBS include Accommodation & Hospitality, Transport & Storage and Property & Business Services Dynamic LVR profile of ~$4.9bn past due balances Category $m Watch loan 90.01% 100% DLVR, no LMI ~60 In Default >100% DLVR, no LMI ~55 - of which 90+ DPD (1) All data as at 19 April 2021 (2) All data as at 31 March 2021 (3) Strategic Business Services team (SBS) assists our non-retail customers in financial difficulty and seeks to minimise the risk of loss to the bank 27 27 SBS business deferrals ~$2bn ~1.1 ~0.9 ~0.2 National Australia Bank

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