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GROUP CREDIT IMPAIRMENT CHARGE CREDIT IMPAIRMENT CHARGE AS % OF GLAS 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% Late 80's/Early 90's Recession GFC 0.2% -0.1% Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Mar 87 88 89 90 91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS¹ 74 ($m) 0.38% 0.54% 0.31% 1,601 0.18% 0.12% 722 426 299 0.16% 399 0.13% 0.14% 0.16% 0.14% 0.15% 0.16% 0.13% 0.14% 0.15% 1,161 349 375 425 394 416 373 406 449 470 (0.04%) (128) Sep 13 Mar 14 Sep 14 Mar 15 Sep 15 Mar 16 Sep 16 Mar 17 Sep 17 Mar 18 Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 (1) Ratios for all periods refer to the half year ratio annualised National Australia Bank

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