Investor Presentaiton

OPERATING EXPENSES - HALF ON HALF OPERATING EXPENSES (EX LARGE NOTABLE ITEMS) ($m) YoY expense growth 2.0% FY19: $7,528m FY20: $7,679m HoH expense growth 4.9% (PCP 3.7%) 115 3,792 3,747 (84) 48 10 Including $57m net impact of capitalised software policy change (58) 119 141 19 3,932 Sep 19 Mar 20 Productivity savings Remuneration Technology and Depreciation and inflation investment and Amortisation Restructuring related costs Other Sep 20 National Australia Bank

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