Investor Presentaiton

ECL PROVISIONING BY STAGES LOANS AND ADVANCES¹ ($bn) PROVISIONS BY STAGE² 81 PROVISION COVERAGE BY STAGE3 ($m) (%) 0.77 6,011 0.47 0.51 751 771 783 6 7 9 1,644 115 120 205 3,900 3,513 19.0 19.2 17.4 1,064 1,305 630 644 3,897 569 2,125 2,227 1.85 1.90 1.85 0.56 0.33 0.34 324 368 470 0.05 0.06 0.08 Sep 18 Sep 19 Sep 20 Sep 18 Sep 19 Sep 20 Sep 18 Sep 19 Sep 20 Stage 1 (12 month ECL) ■Stage 2 (Lifetime ECL) ■Stage 3 (Lifetime ECL) • 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 (SICR) 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 expected credit loss model (2) Excludes Collective Provision on loans at fair value and derivatives which are not allocated to a stage under the Expected Credit Loss (ECL) model (3) Provision coverage: provisions as a percentage of loans and advances including contingent liabilities and credit-related commitments National Australia Bank

View entire presentation