Investor Presentaiton

HOUSING LENDING KEY METRICS¹ Australian Housing Lending Total Balances (spot) $bn Average loan size $'000 O Variable rate Fixed rate Sep 19 Mar 20 Sep 20 Mar 21 Mar 20 Sep 20 Mar 21 Portfolio Drawdowns² 304 302 299 300 27 29 32 308 309 309 310 389 383 401 73.5% 75.9% 71.9% 67.8% 78.5% 64.0% 53.2% 20.4% 18.3% 22.8% 27.3% 20.4% 35.0% 45.8% 6.1% 5.8% 5.3% 4.9% 1.1% 1.1% 1.0% Line of credit By borrower type Owner Occupied ³,4 56.9% 58.4% 60.1% 61.6% 67.7% 70.1% 71.3% Investor³,4 43.1% 41.6% 39.9% 38.4% 32.3% 29.9% 28.7% By channel - Proprietary Broker Interest only5 Low Documentation Offset account balance ($bn) LVR at origination Dynamic LVR on a drawn balance calculated basis 63.3% 62.8% 62.2% 60.0% 54.6% 53.1% 52.1% 36.7% 37.2% 37.8% 40.0% 45.4% 46.9% 19.8% 17.2% 14.8% 13.6% 17.4% 17.9% 47.9% 17.3% 0.4% 0.4% 0.4% 0.3% 29.0 30.0 32.6 33.3 69.0% 69.1% 69.2% 69.5% 47.6% 44.6% 45.5% 42.3% Customers in advance ≥1 month (including offset facilities) 66.1% 66.5% 69.9% 69.1% Avg # of monthly payments in advance (including offset facilities) 34.3 36.3 43.4 45.1 90+ days past due 0.98% 1.04% 1.18% 1.61% Impaired loans 0.11% 0.12% 0.10% 0.10% Specific provision coverage ratio 33.4% 33.3% 35.4% 32.8% Loss rate? 0.02% 0.02% 0.02% 0.01% Number of properties in possession³ 320 268 155 113 HEM reliance 27% 33% 33% 35% (1) Excludes Asia (5) Excludes line of credit products (3) (2) Drawdowns is defined as new lending excluding limit increases and redraws in the previous six month period Portfolio sourced from APRA Monthly Banking Statistics (6) Excludes Advantedge and line of credit (7) 12 month rolling Net Write-offs / Spot Drawn Balances (4) Drawdowns sourced from management data (8) Reduction in properties in possession in Sep 20 and Mar 21 reflects pause in legal activity due to COVID-19 National Australia Bank 69

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