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88 89 RESOURCES EXPOSURES RESOURCES EXPOSURE AT DEFAULT ($bn) 12.1 11.5 10.5 10.5 Mar 15 Sep 15 Mar 16 Sep 16 RESOURCES 90+ DPD AND GIAS AND AS % OF RESOURCES EAD ($m) . ASSET QUALITY Resources EAD -1% of total Group EAD • Exploration & Production exposures to stronger rated investment grade customers are 56% • . Oil & Gas extraction exposure is largely to LNG projects and investment grade customers (90%) Mining Services exposures reduced to 14% of resources EAD in Sep 16 vs Sep 15 (17%). The portfolio is 9% investment grade, 91% partially or fully secured Resources 90+ DPD & gross impaired to EAD declined to 3.01% in Sep 16 from 3.08% in Mar 16, predominantly due to the impairment of a small number of individual exposures RESOURCES PORTFOLIO BREAKDOWN Iron Ore Mining 11% 1 3.08% 3.01% Coal Mining 9% 1.23% 324 315 0.61% 142 74 Mar 15 Sep 15 Mar 16 Sep 16 (1) Coal mining is composed of black coal mining (99.5%) and brown coal mining (0.5%) Gold Mining. 7% Oil & Gas Extraction 41% Other Mining 18% Mining Services 14% AGRICULTURAL EXPOSURES AGRICULTURE, FORESTRY & FISHING EXPOSURES Agriculture, Forestry and Fishing EAD $39.5bn September 2016 AUSTRALIAN AGRICULTURE, FORESTRY & FISHING - EXPOSURES EAD $24.4bn September 2016 Other Crop & Grain 8% Grain 10%. Cotton 5% Vegetables 3% ■Australia 62% ■ NZ 38% Dairy 7% AUSTRALIAN AGRICULTURE, FORESTRY & FISHING - ASSET QUALITY ($m) 1.32% Australian Agriculture portfolio - Well secured¹ 0.92% 0.71% 0.74% 285 207 167 180 Mar 15 Sep 15 90+DPD & Impaired Mar 16 Sep 16 as % EAD ■Fully Secured 79% ■Partially 19% Secured ■Unsecured 2% Forestry & Fishing 4% Beef 19% Sheep/Beef 6% Sheep 2% Other Livestock Services 11%. 1% Poultry 1% Mixed 23% (1) Fully Secured is where the loan amount is less than 100% of the bank extended value of security; Partially Secured is where the loan amount is greater than 100% of the bank extended value of security; Unsecured is where no security is held and negative pledge arrangements are normally in place. Bank extended value is calculated as a discount to market value based on the nature of the underlying security National Australia Bank National Australia Bank

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