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Prime Arrears & Prepayment Statistics RMBS Performance Watch Australia Part 2a – Prime Arrears & Prepayment Statistics (Including Non- Capital Market Issuance) At March 31, 2021 RMBS Performance Watch | Australia at March 31, 2021 Arrears Statistics - Prime Australia Prime S&P Global Ratings Mortgage Performance Index (SPIN) 5.00% 200 4.50% 4.00% 160 3.50% 3.00% 120 (Bil. A$) 2.50% 2.00% 80 1.50% 1.00% 40 0.50% 0.00% 0 Apr-96 Oct-96 Apr-97 Oct-97 Apr-98 Oct-98 Apr-99 Oct-99 Apr-00 Oct-00 Apr-01 Oct-01 Apr-02 Oct-02 Apr-03 Oct-03 Apr-04 Oct-04 Apr-05 Oct-05 Apr-06 Oct-06 Apr-07 Oct-07 Apr-08 Oct-08 Apr-09 Oct-09 Apr-10 Oct-10 Apr-11 Oct-11 Apr-12 Oct-12 Apr-13 Oct-13 Apr-14 Oct-14 Apr-15 Oct-15 Apr-16 Oct-16 Apr-17 Oct-17 Apr-18 Oct-18 Apr-19 Oct-19 Apr-20 Oct-20 31-60 days 61-90 days 90+ days TCLB(Total current loan balance) Metrics (%) Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 31-60 days 0.44 0.47 0.33 0.29 0.23 0.23 0.24 0.33 0.35 0.35 0.31 0.28 61-90 days 0.20 0.22 0.25 0.19 0.17 0.14 0.13 0.16 0.22 0.24 0.25 0.19 90+ days 0.71 0.71 0.72 0.76 0.78 0.75 0.70 0.68 0.69 0.74 0.76 0.68 Prime SPIN 1.34 1.40 1.30 1.24 1.17 1.12 1.07 1.16 1.26 1.33 1.32 1.15 TCLB (Bil. A$) 130.15 131.91 131.71 130.87 130.29 128.55 130.67 129.20 128.71 127.29 126.58 119.56 Cumulative Gross Losses As Percentage Of Total Initial Issuance By Year Of Issuance 0.06% 0.05% 0.04% 0.03% 0.02% 0.01% 0.00% Jun-13 Jun-14 Jun-15 Jun-16 Jun-17 Jun-18 Jun-19 Jun-20 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 2013 2014 2015 2016 2017 2018 2019 2020 2021 Metrics Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1Max (VAL) 1 (%) Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 2021 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 2020 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 2019 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.001 0.002 0.003 0.003 2018 0.000 0.000 0.000 0.000 0.003 0.003 0.003 0.006 0.008 0.010 0.014 0.014 2017 0.000 0.000 0.001 0.002 0.004 0.005 0.007 0.008 0.010 0.012 0.014 0.014 2016 0.005 0.008 0.009 0.013 0.013 0.013 0.014 0.015 0.015 0.015 0.016 0.016 2015 0.014 0.015 0.018 0.020 0.023 0.024 0.027 0.027 0.029 0.030 0.032 0.033 2014 0.026 0.028 0.031 0.034 0.038 0.039 0.041 0.042 0.051 0.052 0.054 0.054 2013 0.039 0.040 0.041 0.042 0.044 0.044 0.048 0.049 0.053 0.056 0.057 0.057 Copyright © 2021 Standard & Poor’s Financial Services LLC. All rights reserved. Reproduction in whole or in part prohibited except by permission. RMBS Performance Watch is subject to the full disclaimer on Page iii, Part 1. S&P Global Ratings 2-1 RMBS Performance Watch | Australia at March 31, 2021 Arrears Statistics - Prime Arrears Reported on a Full Doc Basis 31-60 days 61-90 days 90+ days TCLB (%) Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL 31-60 days 0.43 0.46 0.32 0.28 0.22 0.23 0.24 0.32 0.34 0.34 0.30 0.28 61-90 days 0.19 0.22 0.25 0.19 0.17 0.14 0.13 0.16 0.22 0.24 0.25 0.18 90+ days 0.68 0.68 0.69 0.74 0.75 0.72 0.67 0.65 0.67 0.72 0.73 0.66 Full Doc SPIN 1.30 1.35 1.26 1.20 1.14 1.09 1.04 1.13 1.22 1.30 1.28 1.12 TCLB (Bil. A$) 129.25 131.02 130.84 130.02 129.45 127.73 129.86 128.34 127.87 126.47 125.80 118.78 Arrears Reported on a LoDoc Basis (Bil. A$) 31-60 days 61-90 days 90+ days TCLB (%) Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL 31-60 days 1.49 1.82 1.35 1.37 1.22 1.00 1.13 1.50 1.15 1.24 1.40 1.37 61-90 days 1.08 1.17 0.84 0.56 0.53 0.48 0.43 0.43 0.84 0.76 0.80 0.78 90+ days 4.93 5.12 5.31 4.97 4.81 4.65 4.82 4.35 4.56 4.76 4.94 4.32 Lo Doc SPIN 7.50 8.11 7.50 6.90 6.56 6.13 6.38 6.28 6.55 6.77 7.14 6.48 TCLB (Bil. A$) 0.90 0.89 0.87 0.85 0.84 0.82 0.81 0.86 0.84 0.83 0.77 0.78 Document Type Comparison Full Doc Lo Doc PrimeSPIN (%) Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL VAL Full Doc SPIN 1.30 1.35 1.26 1.20 1.14 1.09 1.04 1.13 1.22 1.30 1.28 1.12 Lo Doc SPIN 7.50 8.11 7.50 6.90 6.56 6.13 6.38 6.28 6.55 6.77 7.14 6.48 Prime SPIN 1.34 1.40 1.30 1.24 1.17 1.12 1.07 1.16 1.26 1.33 1.32 1.15 Full Doc % Prime TCLB 99.31 99.33 99.34 99.35 99.36 99.36 99.38 99.34 99.35 99.35 99.39 99.35 Lo Doc % Prime TCLB 0.69 0.67 0.66 0.65 0.64 0.64 0.62 0.66 0.65 0.65 0.61 0.65 Copyright © 2021 Standard & Poor’s Financial Services LLC. All rights reserved. Reproduction in whole or in part prohibited except by permission. RMBS Performance Watch is subject to the full disclaimer on Page iii, Part 1. S&P Global Ratings 2-2 RMBS Performance Watch | Australia at March 31, 2021 Arrears Statistics - Prime Arrears Reported on a Missed Payment Basis 5.00% 50.0 4.50% 45.0 4.00% 40.0 3.50% 35.0 (Bil. A$) 3.00% 30.0 2.50% 25.0 2.00% 20.0 1.50% 15.0 1.00% 10.0 0.50% 5.0 0.00% 0.0 Jul-96 Jul-97 Jul-98 Jul-99 Jul-00 Jul-01 Jul-02 Jul-03 Jul-04 Jul-05 Jul-06 Jul-07 Jul-08 Jul-09 Jul-10 Jul-11 Jul-12 Jul-13 Jul-14 Jul-15 Jul-16 Jul-17 Jul-18 Jul-19 Jul-20 Jan-96 Jan-97 Jan-98 Jan-99 Jan-00 Jan-01 Jan-02 Jan-03 Jan-04 Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 Jan-10 Jan-11 Jan-12 Jan-13 Jan-14 Jan-15 Jan-16 Jan-17 Jan-18 Jan-19 Jan-20 Jan-21 31-60 days 61-90 days 90+ days TCLB (%) Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 31-60 days 0.49 0.59 0.38 0.47 0.35 0.30 0.27 0.29 0.35 0.36 0.37 0.39 61-90 days 0.22 0.28 0.29 0.25 0.21 0.20 0.17 0.18 0.20 0.23 0.24 0.22 90+ days 0.68 0.69 0.72 0.82 0.84 0.78 0.69 0.62 0.60 0.59 0.60 0.60 Total 1.38 1.56 1.39 1.54 1.40 1.27 1.13 1.09 1.15 1.18 1.20 1.21 TCLB (Bil.
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