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HOUSING LENDING PORTFOLIO PROFILE HOUSING LENDING 90+ DPD & GIAS AS % OF GLAS 90+ DPD & GIAS AS % OF TOTAL HOUSING LENDING GLAS - BY CHANNEL 3.0% 2.5% 2.49% 2.0% 1.71% 1.74% 1.67% 1.6% 1.73% 2.0% 1.61% 1.2% 1.5% 1.61% 1.50% 0.8% 1.0% 0.4% 0.5% 0.0% 0.0% Mar 15 Mar 16 Mar 17 Mar 18 Mar 19 Mar 20 Mar 21 Mar 15 Mar 16 Mar 17 Mar 18 Mar 19 Mar 20 Mar 21 -NSW/ACT QLD SA/NT VIC/TAS WA -Total Broker -Proprietary 66 REPAYMENT BUFFERS¹ INTEREST ONLY CONVERSIONS TO P&I ($bn) 60% 9.9 9.7 9.9 9.2 50% 8.7 7.9 7.6 2.0 1.5 2.1 40% 36% 6.8 32% 3.8 2.3 5.9 1.6 2.4 30% 1.6 1.1 20% 15% 14% 15% 15% 15% 7.9 8.2 7.8 13% 12% 13% 6.4 6.3 10% 7% 7% 4.8 5.5 5.1 5.2 3% 3% 0% > 2 years 1-2 years 3-12 months ■Mar 20 1-3 months ■Mar 21 <1 month On time Behind 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 ■Contractual conversion ■Early conversion (1) Represents payments in advance by accounts. Includes offsets. Excludes Advantedge book and line of credit National Australia Bank

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