Financial Performance and Remediation Update

BUSINESS LENDING ASSET QUALITY BUSINESS LENDING CREDIT IMPAIRMENT CHARGE AND AS 56 % OF GLAS ($m) 0.07% 0.33% 0.04% 0.25% BUSINESS LENDING 90+ DPD AND GIAS AND AS % OF GLAS ($m) 0.66% 0.72% 0.74% 0.62% 274 336 Includes $248m 1,420 1,474 1,528 77 Mar 20 of Aviation sale related CICS 1,362 Sep 20 44 Mar 21 Sep 21 Mar 20 Sep 20 Mar 21 Sep 21 Credit impairment charge CIC as a % of GLAS (half year annualised) TOTAL BUSINESS LENDING SECURITY PROFILE¹ Total Business Lending 90+ DPD and GIAS Business Lending 90+ DPD and GIAs to Business Lending GLAS BUSINESS LENDING PORTFOLIO QUALITY 22% 20% 20% 21% 19% 20% 19% 18% 52% 49% 49% 50% 59% 60% 61% 61% 48% 51% 51% 50% Mar 20 Sep 20 Mar 21 Sep 21 ■Fully Secured ■Partially Secured ■ Unsecured Mar 20 Sep 20 ■Sub-Investment grade equivalent Sep 21 Mar 21 ■Investment grade equivalent (1) 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 National Australia Bank

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