Financial Performance and Remediation Update

GROUP COMMERCIAL REAL ESTATE¹ BREAKDOWN BY TOTAL GROSS LOANS & ACCEPTANCES ($60.8BN) Geographic breakdown QLD 14% WA VIC 25% 5% SA 5% Other Australia 4% Investor 90% NSW 34% New Zealand 13% Borrower breakdown Retail 29% Tourism Developer 10% & Leisure ✓ 3% Developer includes $1.1bn for land development and $2.1bn for residential development in Australia (1) Measured as balance outstanding as at 30 September 2021 per APRA Commercial Property ARF 230 definitions 81 Sector breakdown Residential 11% Industrial 17% Other 7% Office 28% -Land 5% National Australia Bank

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