Investor Presentaiton

COVID-19 NON-RETAIL SECTORS OF INTEREST DETERIORATING KEY CONSIDERATIONS • Continued close monitoring of exposures to sectors significantly impacted by COVID-19 Sectors of interest have experienced asset quality deterioration, against improved asset quality for the total non-retail book EAD broadly stable vs 2H20 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 SECTORS OF INTEREST VS TOTAL NON-RETAIL BOOK 90+ DPD & GIA % of EAD Retail Trade SECTORS OF INTEREST - KEY METRICS SUMMARY EAD $bn % of 90+ DPD and GIA to EAD Sep 20 Mar 21 Sep 20 Mar 21 14.5 14.5 1.58 1.71 14.1 13.5 1.07 1.23 Air travel and related services 11.3 10.1 0.43 0.77 Office, retail tourism and leisure CRE² 41.9 41.6 0.22 0.21 Total non-retail sectors of interest 81.8 79.7 0.64 0.72 Tourism, Hospitality & Entertainment¹ SECTORS OF INTEREST FLAS % OF TOTAL NON-RETAIL FLAS³ 0.72% 0.64% 0.57% 52% 0.44% 0.45% 0.40% 88% 89% Sectors of interest ■ Mar 20 ■Sep 20 Total non-retail book ■Mar 21 ■ Mar 20 ■Sep 20 ■ Mar 21 (2) (3) (1) Tourism, hospitality and entertainment include regulatory industry classification of accommodation and hospitality, plus cultural and recreational services CRE EAD figures are limits based on ARF230 and the FLAS relate to the whole CRE portfolio with Office, Retail, Tourism and Leisure CRE most impacted by COVID-19 stress Refer page 79 for a breakdown of target sector FLAS 26 National Australia Bank

View entire presentation