Investor Presentaiton

59 BUSINESS LENDING ASSET QUALITY BUSINESS LENDING CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS ($m) 0.33% 0.14% 0.10% 0.07% BUSINESS LENDING 90+ DPD AND GIAS AND AS % OF GLAS ($m) 0.62% 0.67% 0.66% 0.72% 336 1,257 1,394 1,420 1,474 151 103 Mar 19 Sep 19 77 Mar 20 Sep 20 Credit Impairment charge -Credit Impairment/GLAs (half year annualised) TOTAL BUSINESS LENDING SECURITY PROFILE¹ Mar 19 Sep 19 Mar 20 Sep 20 Total Business Lending 90+ DPD and GIAS Business Lending 90+ DPD and GIAs to Business Lending GLAS BUSINESS LENDING PORTFOLIO QUALITY 23% 22% 22% 20% 19% 19% 19% 20% 51% 51% 52% 49% 58% 59% 59% 60% 49% 49% 48% 51% Mar 19 Sep 19 Mar 20 Sep 20 ■Fully Secured ■Partially Secured ■ Unsecured Mar 19 Sep 19 ■Sub-Investment grade equivalent Mar 20 Sep 20 ■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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