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Investor Presentaiton

COVID-19 SECTORS OF INTEREST KEY CONSIDERATIONS • Continued close monitoring of exposures to sectors significantly impacted by COVID-19 EAD broadly stable vs 1H20 Asset quality deterioration worse than overall portfolio Additional FLAs vs 1H20 reflect incremental forward looking stress beyond that captured for total portfolio in EA top-up based on granular, bottom-up analysis SECTORS OF INTEREST VS TOTAL BOOK Sector of interest FLAs % of total FLAS 81% 90+ DPD & GIA % of EAD 0.57% 0.64% 0.66% 0.69% 34% Sectors of interest Total book ■Mar 20 ■Sep 20 ■Mar 20 ■Sep 20 KEY METRICS SUMMARY EAD $bn % of 90+DPD and GIA to EAD Target sector FLAs $m Mar 20 Sep 20 Mar 20 Sep 20 Mar 20 Sep 20 Retail trade 14.6 14.5 1.45 1.58 134 139 Tourism, hospitality and 13.6 14.1 1.13 1.07 NIL 133 entertainment¹ Air travel and related services 11.7 11.3 0.40 0.43 NIL 372 Office, retail, tourism and leisure 42.0 41.9 0.14 0.22 CRE2 91 190 Total 81.9 81.8 0.57 0.64 225 834 (1) Tourism, hospitality and entertainment include regulatory industry classification of accommodation and hospitality, plus cultural and recreational services (2) CRE EAD figures are limits based on ARF230 and the FLAs relate to the whole CRE portfolio with Office, Retail, Tourism and Leisure CRE most impacted by COVID-19 stress 85 National Australia Bank
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