Investor Presentaiton

HOUSING LENDING KEY METRICS¹ Australian Housing Lending Total Balances (spot) $bn Average loan size $'000 Variable rate Fixed rate Mar 19 Sep 19 Mar 20 Sep 20 Sep 19 Mar 20 Sep 20 Drawdowns² 307 304 302 299 22 27 29 307 308 309 309 369 389 383 72.0% 73.5% 75.9% 71.9% 73.0% 78.5% 64.0% 21.6% 20.4% 18.3% 22.8% 25.0% 20.4% 35.0% 6.5% 6.1% 5.8% 5.3% 1.9% 1.1% 1.1% Line of credit By borrower type Owner Occupied³,4 59.7% 56.9% 58.4% 60.1% 66.3% 67.7% 70.1% Investor³,4 40.3% 43.1% 41.6% 39.9% 33.7% 32.3% 29.9% By channel - Proprietary Broker Interest only5 Low Documentation Offset account balance ($bn) 63.6% 63.3% 62.8% 62.2% 56.6% 54.6% 53.1% 36.4% 36.7% 37.2% 37.8% 43.4% 45.4% 46.9% 22.4% 19.8% 17.2% 14.8% 19.7% 17.4% 17.9% 0.5% 0.4% 0.4% 0.4% 29.0 29.0 30.0 32.6 LVR at origination 69.0% 69.0% 69.1% 69.2% Dynamic LVR on a drawn balance calculated basis 48.0% 47.6% 44.6% 45.5% Customers in advance ≥1 month (including offset facilities) 65.5% 66.1% 66.5% 69.9% Avg # of monthly payments in advance (including offset facilities) 33.7 34.3 36.3 43.4 90+ days past due 0.86% 0.98% 1.04% 1.18% Impaired loans 0.09% 0.11% 0.12% 0.10% Specific provision coverage ratio 31.1% 33.4% 33.3% 35.4% Loss rate? 0.02% 0.02% 0.02% 0.02% Number of properties in possession³ 291 320 268 155 HEM reliance 32% 27% 33% 33% (1) Excludes Asia (5) Excludes line of credit products (2) Drawdowns is defined as new lending excluding limit increases and redraws in the previous six month period (3) Portfolio sourced from APRA Monthly Banking Statistics, Sep-19 restated to align with definitions of the APRA Monthly Authorised Deposit-taking Institution Statistics (6) Excludes Advantedge and line of credit (7) 12 month rolling Net Write-offs / Spot Drawn Balances (8) (4) Drawdowns sourced from management data Reduction in properties in possession in Sep 20 reflects pause in legal activity due to COVID-19 National Australia 67 Bank

View entire presentation