Investor Presentaiton

GROUP AGRICULTURE, FORESTRY & FISHING EXPOSURES GROUP EAD $49.0BN MARCH 2021 Australia 68% New Zealand 32% KEY CONSIDERATIONS • The sector outlook continues to improve amid recent good rainfall and stronger than predicted commodity prices • Asset quality remains sound with 90+ DPD and impaired rate improved over the half 83 AUSTRALIAN AGRICULTURE, FORESTRY & FISHING Diverse Portfolio EAD $33.2bn Mar 21 Other Crop &. Grain 8% Cotton 4% Vegetables 3% Grain 10% Beef 20% Australian Agriculture Asset Quality Australian Agriculture Portfolio Well Secured¹ ($m) 0.49% 0.48% Fully Secured 85% 0.46% 0.43% 0.40% Dairy 5% Forestry & Fishing 3% Services 9%. Mixed 25% Sheep/Beef 7% 120 132 146 153 134 Sheep 3% Other Livestock 2% Poultry 1% Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 90+ DPD & Impaired as % EAD Partially Secured 14% Unsecured 1% (1) 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 National Australia Bank

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