Investor Presentaiton

CARDS ASSET QUALITY KEY COMMENTS 12 ARREARS 4% • Arrears low and on a downward trend post COVID-19 related spike in early 2020 3% • White label portfolio tends to perform better than Citigroup portfolio 2.4% 2% 30+ DPD 90+ DPD 1.0% CREDIT COSTS¹ 2.8% 2.3% FY18 FY19 1.4% FY20 1. Represents Citigroup Cards' equivalent of credit impairment charges for financial years to December 1% 0% Jun 18 Dec 18 Jun 19 Dec 19 Jun 20 Dec 20 Jun 21 90+ DPD-BY BRAND ~40% of balances ~60% of balances 1.2% 0.8% Citigroup branded White Label National Australia Bank

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