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60 BUSINESS & PRIVATE BANKING (B&PB) ASSET QUALITY B&PB CREDIT IMPAIRMENT CHARGE AND AS % OF GLAS¹ B&PB 90+ DPD AND GIAS AND AS % OF GLAS¹ ($m) 0.22% ($m) 1.32% 0.20% 1.07% 0.95% 0.13% 2,584 0.83% 0.12% 217 2,111 196 1,905 1,662 1,246 119 27 126 21 1,036 955 844 127 20 28 67 63 24 Mar 19 Sep 19 40 170 818 950 1,075 1,338 84 2 5 Mar 19 Sep 19 Mar 20 Mar 20 Sep 20 Sep 20 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% 21% 20% 26% 26% 25% 24% 74% 74% 74% 75% 74% 74% 75% 76% Mar 19 Sep 19 Mar 20 Sep 20 ■Fully Secured ■Partially Secured ■ Unsecured Mar 19 Sep 19 ■Sub-Investment grade equivalent Mar 20 Sep 20 ■Investment grade equivalent (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 National Australia Bank

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