Financial Performance and Remediation Update

GROUP AGRICULTURE, FORESTRY & FISHING EXPOSURES GROUP EAD $52.8BN SEPTEMBER 2021 Australia 69% New Zealand 31% KEY CONSIDERATIONS • Sector outlook continues to improve, with favourable weather conditions, higher than predicted commodity prices and minimal impact from ongoing China trade tensions • Portfolio asset quality remains robust, benefitting from favourable external conditions 79 AUSTRALIAN AGRICULTURE, FORESTRY & FISHING Diverse Portfolio EAD $36.6bn Sep 21 Other Crop & Cotton 4% Vegetables 3% Grain 7% Grain 10% Beef 22% Australian Agriculture Asset Quality Australian Agriculture Portfolio Well Secured¹ ($m) 0.49% 0.48% Fully Secured 86% 0.43% 0.40% Dairy 5% Forestry & Fishing 3% Services 8% Mixed 25% Sheep/Beef 7% 146 153 158 134 Sheep 3% Other Livestock 2% Poultry 1% Mar 20 Sep 20 90+ DPD & Impaired Mar 21 Sep 21 as % EAD Partially Secured 13% Unsecured 1% (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/or no value held against the security 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

View entire presentation