Investor Presentaiton

783 793 ECL PROVISIONING BY STAGES LOANS AND ADVANCES BY STAGE¹ ($bn) 771 PROVISIONS BY STAGE² PROVISION COVERAGE BY STAGE3 ($m) (%) 0.77 6,011 5,745 0.72 0.51 7 9 10 1,644 120 1,594 205 3,900 19.0 238 16.8 1,305 17.4 3,897 644 3,879 569 545 2,227 1.90 1.63 1.85 0.34 0.56 0.53 368 470 272 0.05 0.06 0.05 Sep 19 Sep 20 Mar 21 Sep 19 Sep 20 Mar 21 Sep 19 Sep 20 Mar 21 Stage 1 (12 month ECL) ■Stage 2 (Lifetime ECL) ■Stage 3 (Lifetime ECL) 80 • Status Type of provision Stage 1 (12 month ECL) Credit risk not increased significantly since initial recognition; performing Collective Stage 2 (Lifetime ECL) Credit risk increased significantly since initial recognition but not credit impaired Collective Stage 3 (Lifetime ECL) Credit impaired: default no loss Credit impaired: default with loss Collective • Specific Significant increase in credit risk determined by change in credit risk scores for business exposures and change in behavioural scoring outcomes for retail exposures. These rules are not prescribed by accounting standards • No automatic migration from stage 1 to stage 2 as a result of COVID-19 repayment deferrals; migration assumptions included in forward looking adjustments Stage 2 includes majority of forward looking adjustments (1) Notional staging of loans and advances incorporates forward looking stress applied in the ECL model (2) Excludes collective provision on loans at fair value and derivatives which are not allocated to a stage under the ECL model (3) Provision coverage: provisions as a percentage of loans and advances including contingent liabilities and credit-related commitments National Australia Bank

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