Investor Presentaiton

DISCLAIMER The material in this presentation is general background information about the NAB Group and its proposed acquisition of the Target Business current at the date of the presentation on 9 August 2021. The information is given in summary form and does not purport to be complete. It is intended to be read by a professional analyst audience in conjunction with the verbal presentation and NAB's financial statements and information previously lodged with the Australian Securities Exchange ("ASX") which is available at www.asx.com.au. The information in this presentation is provided as at the date of this presentation (unless otherwise stated) and is subject to change. NAB is not obligated to update it or correct it. The presentation is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. No representation is made as to the accuracy, completeness or reliability of the presentation. Certain information in this presentation has been sourced from Citigroup or their respective representatives or associates. While steps have been taken to review that information, no representation or warranty, expressed or implied, is made as to its fairness, accuracy, correctness, completeness or adequacy. Certain market and industry data used in connection with this presentation may have been obtained from research, surveys or studies conducted by third parties, including industry or general publications. Neither NAB nor its representatives have independently verified any such market or industry data provided by third parties or industry or general publications. This presentation contains statements that are, or may be deemed to be, forward looking statements. These forward looking statements may be identified by the use of forward looking terminology, including the terms "believe", "estimate", "plan", "project", "anticipate", "expect", "target", "intend", "likely", "may", "will", "could" or "should" or, in each case, their negative or other variations or other similar expressions, or by discussions of strategy, plans, objectives, targets, goals, future events or intentions. Indications of, and guidance on, future earnings and financial position and performance are also forward looking statements. You are cautioned not to place undue reliance on such forward looking statements. Such forward looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond the control of the Group, which may cause actual results to differ materially from those expressed or implied in such statements. There can be no assurance that actual outcomes will not differ materially from these statements. There are a number of other important factors that could cause actual results to differ materially from those projected in such statements, including (without limitation) a significant change in the Group's financial performance or operating environment; a material change to law or regulation or changes to regulatory policy or interpretation; and risks and uncertainties associated with the ongoing impacts of the COVID-19 pandemic, the Australian and global economic environment and capital market conditions. Further information is contained in the Group's Luxembourg Transparency Law disclosures released to the ASX on 6 May 2021 and the Group's Annual Financial Report for the 2020 financial year, which is available at www.nab.com.au. In this presentation, a reference to "NAB", the "NAB Group", the "Group" or the "Company", "we", "our" or "us" is a reference to National Australia Bank Limited and its controlled entities. For further information visit www.nab.com.au or contact: Sally Mihell Natalie Coombe Executive, Investor Relations Mobile +61 (0) 436 857 669 13 Director, Investor Relations Mark Alexander General Manager, Corporate Communications Mobile | +61 (0) 477 327 540 Mobile | +61 (0) 412 171 447 National Australia Bank

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