Investor Presentaiton

TOURISM, HOSPITALITY AND ENTERTAINMENT EXPOSURE AT DEFAULT EAD $14.1bn 1.9 EAD $13.5bn 1.9 6.1 5.5 6.1 ■B&PB C&IB ■NZ 6.1 ■B&PB C&IB ■NZ KEY CONSIDERATIONS ~3% of non retail EAD Industry outlook for Hospitality & Entertainment sectors continues to improve, reflecting growing confidence in COVID-19 tracking and controls. The outlook for the Tourism and Accommodation sectors is less certain for those exposed to international visitors Extent of COVID-19 impacts dependent on location. For B&PB exposures³: • 18% in CBD • 20% in Victoria Sep 20 Mar 21 EAD PORTFOLIO BY SECTOR AND SECURITY2 Pubs, Taverns & Accomodation 44% Bars 16% Others 40% 90+ DPD AND GIAS AND AS % OF SECTOR EAD ($m) Partially secured 21% 1.15% 1.23% 1.13% 0.88% 0.97% 1.07% Fully secured 70% 166 157 153 152 138 121 Unsecured 9% Sep 18 Mar 19 Sep 19 90+ DPD & GIAS Mar 20 Sep 20 as % EAD Mar 21 (1) Tourism, hospitality and entertainment include regulatory industry classification of accommodation and hospitality, plus cultural and recreational services (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 (3) Corporate & Institutional Banking exposures have been excluded from location analysis given many involve a range of post codes 87 National Australia Bank

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