Investor Presentaiton

GROUP COMMERCIAL REAL ESTATE¹ BREAKDOWN BY TOTAL GROSS LOANS & ACCEPTANCES ($58.7BN) 85 Geographic breakdown QLD 14% WA VIC 26% 5% SA 5% Other Australia 5% Investor 90% NSW 33% New Zealand 12% Borrower breakdown Retail 28% Tourism & Leisure_ 3% Developer 10% Developer includes $1.1bn for land development and $2.1bn for residential development in Australia (1) Measured as balance outstanding as at 31 March 2021 per APRA Commercial Property ARF 230 definitions Sector breakdown Residential 11% Industrial 17% Other 7% Office 30% -Land 4% National Australia Bank

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