Investor Presentaiton

TOURISM, HOSPITALITY AND ENTERTAINMENT EXPOSURE AT DEFAULT EAD $13.6bn EAD $14.1bn 2.0 1.9 5.5 6.1 6.1 6.1 KEY CONSIDERATIONS • ~3% of non retail EAD • Industry outlook uncertain, with credit outcomes likely to be dependant on specific client-level circumstances including location and target market. Industry facing both short term impacts of COVID-19 restrictions on operations and capacity, and potential longer term structural change • Extent of COVID-19 impacts dependent on location; for B&PB exposures³: • 13% in CBD ■B&PB C&IB ■NZ ■B&PB C&IB ■NZ Mar 20 Sep 20 EAD PORTFOLIO BY SECTOR AND SECURITY2 • 23% in Victoria • Collective provision coverage includes $133m of forward looking adjustments 90+ DPD AND GIAS AND AS % OF SECTOR EAD Pubs, Taverns & Accomodation 44% Bars 15% Others 41% ($m) Partially secured 23% 1.15% 1.13% 0.88% 0.97% 1.07% Fully secured 69% 157 121 138 153 152 Unsecured 8% Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 90+ DPD & GIAS as % EAD (1) Tourism, hospitality and entertainment include regulatory industry classification of accommodation and hospitality, plus cultural and recreational services (2) 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 (3) Corporate & Institutional Banking exposures have been excluded from location analysis given many involve a range of post codes 87 National Australia Bank

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