Investor Presentaiton

OPERATING EXPENSES OPERATING EXPENSES (EX LARGE NOTABLE ITEMS) ($m) YoY expense growth 2.0% (HoH 4.9%) 21 21 7,528 (348) Cumulative productivity savings of $1.2bn over FY17-20 120 419 (284) Including $29m net benefit from capitalised software policy change 103 141 7,679 FY19 Productivity savings Remuneration and inflation investment Technology and Depreciation and Amortisation Restructuring Other FY20 related costs National Australia Bank

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