Investor Presentaiton

TARGET SECTOR FORWARD LOOKING ADJUSTMENTS (FLAS) STRENGTHENED COLLECTIVE PROVISION TARGET SECTOR FLAS KEY CONSIDERATIONS 26 ($m) 1,029 662 372 133 232 • 81 89 180 139 134 91 25 Mar 20 ■ Aviation 190 25 Sep 20 ■Australian Tourism, Hospitality and Entertainment ■Australian Mortgages ■Australian Agri ■Australian Retail Trade ■Commercial Property FLAS capture risks incremental to that captured by broader EA top-up New Aviation FLA reflects slower recovery profile than broader economy given international and some domestic border closures New FLA for Tourism, Hospitality & Entertainment given COVID-19 restrictions on trade and activity Top-up to Commercial Property FLA to reflect potential COVID-19 impacts Partial release of Australian High Risk Mortgages FLAs given EA top-up, with an overall increase in the level of coverage for the mortgage portfolio Partial release of Australian Agri FLA given easing of drought conditions for the bulk of exposures ■ Other National Australia Bank

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