Investor Presentaiton

GROUP COMMERCIAL REAL ESTATE¹ BREAKDOWN BY GROSS LOANS & ACCEPTANCES 91 Geographic breakdown QLD 13% WA VIC 6% 25% Other Australia 10% Investor 90% NSW 33% New Zealand 13% Other international 0.1% Borrower breakdown (1) Measured as balance outstanding as at 30 September 2020 per APRA Commercial Property ARF 230 definitions Retail 29% Tourism Developer 10% & Leisure ✓. 3% Sector breakdown Residential 11% Industrial 17% Other 7% Office 29% -Land 4% National Australia Bank

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