Financial Performance and Remediation Update

GROUP CREDIT IMPAIRMENT CHARGE CREDIT IMPAIRMENT CHARGE AS % OF GLAS 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% Late 80's/Early 90's Recession GFC 0.2% -0.1% (0.03%) Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep 87 88 89 90 91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 69 CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS¹ ($m) 0.54% 0.38% 0.31% 1,212 0.18% 0.16% 0.16% 0.12% 0.13% 0.14% 0.16% 0.14% 0.15% 0.13% 0.14% 0.15% 858 928 58 81 579 553 148 146 146 152 113 (0.04%) (0.03%) 341 426 474 428 268 268 227 260 297 357 303 389 84 97 (206) Sep 13 (153) Mar 14 (254) Sep 14 (51) (49) (34) (212) (186) Mar 15 Sep 15 Mar 16 Sep 16 Mar 17 Sep 17 Mar 18 Sep 18 Mar 19 Sep 19 Mar 20 Sep 20 Mar 21 Sep 21 ■ Collective charge/(write-back) ■Specific charge (1) Ratios for all periods refer to the half year ratio annualised National Australia Bank

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