Financial Performance and Remediation Update

HOUSING LENDING PORTFOLIO QUALITY DYNAMIC LVR BREAKDOWN OF DRAWN BALANCE¹ LVR BREAKDOWN AT ORIGINATION¹ 70% 70% 60% Sep 21 Dynamic LVR 38.8% 60% 50% 50% 40% 40% 30% 30% 20% 20% 10% 10% 0% 0% LVR LVR ≤60% LVR 60.01% 70% 70.01%-80% LVR 80.01% - 90% LVR >90% LVR ≤60% LVR 60.01% 70% LVR 70.01%-80% LVR 80.01%-90% ■Mar 20 ■Sep 20 ■Mar 21 ■Sep 21 ■ Mar 20 ■Sep 20 ■Mar 21 HOUSING LENDING 90+ DPD & GIAS AS % OF GLAS¹ LVR >90% ■Sep 21 90+ DPD & GIAS AS % OF TOTAL HOUSING LENDING GLAS - BY CHANNEL¹ 3.0% 2.0% 2.5% 2.00% 1.6% 2.0% 1.35% 1.5% 1.2% 1.45% 1.17% 1.33% 1.0% 1.32% 0.8% 1.26% 1.26% 0.5% 0.4% 0.0% Sep 15 Sep 16 Sep 17 0.0% Sep 18 Sep 19 Sep 20 Sep 21 Sep 15 Sep 16 Sep 17 Sep 18 Sep 19 Sep 20 Sep 21 -NSW/ACT (1) Excludes 86 400 QLD SA/NT VIC/TAS ―WA - -Total Broker -Proprietary 62 69 National Australia Bank

View entire presentation