Investor Presentaiton

RETAIL TRADE! EXPOSURE AT DEFAULT EAD $14.6bn 2.2 3.9 8.5 EAD $14.5bn EAD $14.5bn 2.1 3.8 8.6 6.6 KEY CONSIDERATIONS ~3% of non retail EAD • Retail Trade portfolio experience is mixed: ~46% is non- discretionary retail and likely to be less impacted • Household consumption growth was already at slowest pace since 1990s recession pre COVID-19 • Provisioning includes $139m target sector FLA Personal & Household Goods includes: Pharmacy Retailers (41%), Apparel (13%), Furniture & Homewares (19%) Department store exposure ~$140m 90+ DPD AND GIAS AND AS % OF SECTOR EAD 7.9 • • ■B&PB C&IB ■NZ ■B&PB C&IB ■ NZ ■Non-Discretionay ■Discretionary Mar 20 Sep 20 EAD PORTFOLIO BY SECTOR AND SECURITY2 Personal & Household Goods Food 22% 52% Partially secured 45% ($m) 1.97% 1.97% 1.58% 1.45% 1.06% Motor Vehicles Fully secured 45% Unsecured 10% 295 293 26% 212 229 151 Sep 18 Mar 19 190+ DPD & GIAS Sep 19 Mar 20 Sep 20 as % EAD (1) Retail Trade is aligned to Regulatory Industry Classifications. Discretionary / Non-discretionary Retail Trade determined at an individual ANZSIC code level (2) 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 86 National Australia Bank

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