Investor Presentaiton

AUSTRALIAN HOME LOAN DEFERRALS DEFERRAL BALANCES¹ 12.3% 37 Jun 20 92 92 9.6% 69 Further $10bn expiring by end of November 29 34 14 Sep 20 23 Oct 20 Deferral balances $bn Number of accounts deferred (000s) Deferral balances as % of total home lending CUSTOMER DEFERRAL OUTCOMES³ Advised intent to resume repayment at deferral expiry 54% 4 Elected to resume repayments prior to deferral expiry 38%- COMMENTS . • • ~110k deferrals have been granted with ~75k no longer on deferral Home lending deferral extensions considered by NAB Assist on a case-by-case basis. Other options include 12 months Interest Only or restructure ~$2bn has been referred to NAB Assist of which ~$0.5bn deferral extensions have been granted (~1.2k accounts)² Victoria represents 41% of referrals to NAB Assist, 37% of deferral extensions granted and 33% of remaining deferral balances Customers referred to NAB Assist have a dynamic LVR of 63% and 9% have a dynamic LVR >90% BALANCES BY DYNAMIC LVR5 Deferrals overweight higher LVR bands Referred to 43% NAB Assist 5% 34% At September there were $2bn of balances with LVR >90% (~45% with no LMI) 24% 22% Deferral extended 2% 19% 18% 15% 12% 7% 5% 0-60% 60.01-70% 70.01-80% 80.01-90% >90% Convert to Interest Only <1% ■■Deferrals (avg DLVR 57%) ■Total Book (avg DLVR 45%) (1) (2) As at 23 October unless otherwise stated. Prepared using product based categorisation which differs to APRA reporting based on predominant loan purpose NAB branded Principal & Interest home loans only (3) Percentages refer to deferral accounts. Excludes customers where outcome not known (4) Based on customer conversations prior to expiry of deferral (5) Represents balances of deferral customers as at 30 September 2020 27 National Australia Bank

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