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00 6 BALANCE SHEET STRENGTH CAPITAL INCLUDES SUBSTANTIAL BUFFER CET1 Ratio (%) 11.82 FUNDING & LIQUIDITY REMAINS STRONG + 35bps MLC Wealth +98bps capital raising Metric (%) Mar 19 Sep 19 Mar 20 Sep 20 LCR (quarterly average) 130 126 136 139 11.47 10.20 10.40 10.38 10.39 NSFR Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 STRENGTHENED PROVISIONING COVERAGE (%) 1.15 0.94 0.54 Mar 19 1.18 0.96 0.56 Sep 19 1.43 1.21 Mar 20 0.72 1.80 1.56 • 0.93 112 113 116 127 COMMENTS . • $3bn institutional placement and $1.25bn share purchase plan successfully completed in 2H20 Sale of MLC Wealth expected to provide additional 35bps of CET1 on completion¹ Shareholder dividends of 60cps declared in FY20 Funding and Liquidity metrics remain well above minimum thresholds Further increased provisioning coverage in 2H20 including top up to forward looking provisions - CP/CRWA of 1.56% and CP/GLAS of 0.93% Sep 20 • ■Total provisions as % of Credit Risk Weighted Assets Collective Provisions as % of Credit Risk Weighted Assets Collective Provisions as % of GLAS (1) Completion remains subject to satisfaction of certain conditions, including regulatory approvals National Australia Bank

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