Investor Presentaiton

BUSINESS & PRIVATE BANKING ASSET QUALITY B&PB CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS¹ B&PB 90+ DPD AND GIAS AND AS % OF GLAS¹ ($m) 0.22% 0.20% ($m) 1.53% 1.32% 0.13% 1.07% 0.95% 3,025 217 196 2,584 0.07% 2,111 27 1,905 126 21 1,611 70 1,246 127 40 7 955 1,036 170 84 84 63 Sep 19 950 1,075 1,338 1,414 2 5 (21) Mar 20 Sep 20 Mar 21 Sep 19 Mar 20 Sep 20 Mar 21 Business lending Other banking products Housing lending Credit impairment charge as % of GLAS annualised B&PB BUSINESS LENDING SECURITY PROFILE² Housing 90+ DPD and GIAs 90+ DPD and GIAs to GLAS Non-housing 90+ DPD and GIAS B&PB BUSINESS LENDING PORTFOLIO QUALITY 5% 5% 5% 5% 21% 21% 20% 20% 26% 25% 24% 26% 74% 74% 75% 75% 74% 75% 76% 74% Sep 19 Mar 20 Sep 20 Mar 21 ■Fully Secured ■Partially Secured ■ Unsecured Sep 19 Mar 20 Sub-Investment grade equivalent Sep 20 ■Investment grade equivalent Mar 21 (1) B&PB credit impairment charges and 90+ DPD and GIAS reflect the total B&PB portfolio including mortgages (2) Fully Secured is where the loan amount is less than 100% of the bank extended value of security; Partially Secured is where the loan amount is greater than 100% of the bank extended value of security; Unsecured is where no security is held and/or no value held against the security and negative pledge arrangements are normally in place. Bank extended value is calculated as a discount to market value based on the nature of the underlying security 62 62 National Australia Bank

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