Investor Presentaiton

HOUSING LENDING PORTFOLIO PROFILE HOUSING LENDING 90+DPD & GIAS AS % OF GLAS 90+ DPD & GIAS AS % OF TOTAL HOUSING LENDING GLAS - BY CHANNEL 64 2.5% 2.0% 1.5% 1.0% 0.5% 2.38% 1.6% 1.42% 1.2% 1.28% 1.24% 0.8% 1.13% 1.11% 0.4% 0.0% Sep 14 Sep 15 Sep 16 Sep 17 Sep 18 0.0% Sep 19 Sep 20 -NSW/ACT QLD SA/NT VIC/TAS WA -Total REPAYMENT BUFFERS¹ Sep 11 Sep 12 Sep 13 Sep 14 Sep 15 Sep 16 Sep 17 Sep 18 Sep 19 Sep 20 Broker Proprietary INTEREST ONLY CONVERSIONS TO P&I ($bn) 60% 50% 40% 36% 31% 30% 9.9 9.7 9.9 9.2 8.7 7.9 7.6 2.0 1.5 2.1 6.8 3.8 2.3 5.9 1.6 1.4 2.4 1.1 20% 15% 15% 13% 12% 16% 15% 15% 7.9 8.2 7.8 13% 6.4 6.3 7% 7% 5.4 5.5 10% 4.8 5.1 3% 2% 0% > 2 years 1-2 years 3-12 months 1-3 months <1 month On time Behind 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 ■Sep-19 Sep-20 (1) Represents payments in advance by accounts. Includes offsets. Excludes Advantedge book and line of credit ■Contractual conversion ■Early conversion National Australia Bank

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