Investor Presentaiton

HOUSING LENDING PORTFOLIO QUALITY DYNAMIC LVR BREAKDOWN OF DRAWN BALANCE LVR BREAKDOWN AT ORIGINATION 67 50% 40% 30% 20% 10% 50% Mar 21 Dynamic LVR 42.3% 40% 30% 20% 10% 0% LVR ≤60% LVR 60.01% 70% LVR 70.01% - 80% Sep 19 ■ Mar 20 LVR >90% ■ Mar 21 LVR 80.01% 90% ■Sep 20 INCREASED FIRST HOME BUYER ACTIVITY First home buyers with LVR >80% on origination require lenders mortgage insurance1 or may be supported by the First Home Loan Deposit Scheme 15% 9% 0% LVR ≤60% LVR 60.01% - 70% LVR LVR LVR 70.01% - 80% 80.01% - 90% >90% Share of 1H21 Drawdowns ■Sep 19 ■Mar 20 ■Sep 20 ■Mar 21 Share of Housing Lending GLAS at Mar 21 (1) LMI may be waived in certain limited scenarios, subject to meeting eligibility criteria National Australia Bank

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