Investor Presentaiton

TARGET SECTOR FLAS STRENGTHENED COLLECTIVE PROVISION TARGET SECTOR FLAS ($m) 79 1,029 1,250 458 KEY COMMENTS · Additional FLAs vs 2H20 reflect incremental forward looking stress beyond that captured for total portfolio in EA top-up based on granular, bottom-up analysis Top-up to aviation FLA reflects slower recovery profile than previously assumed given continued international border closures Top-up to Australian High Risk Mortgage FLA, reflecting emerging stress on a cohort of expired deferral customers and the potential impacts from the removal of government support measures Movement in other FLAs reflects refresh of underlying inputs 662 372 155 133 232 202 81 • 89 95 180 139 136 134 190 179 91 25 25 25 Mar 20 Sep 20 Mar 21 • ■ Aviation ■Australian Tourism, Hospitality and Entertainment ■Australian Mortgages ■Australian Agri ■Australian Retail Trade ■Commercial Property ■ Other National Australia Bank

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