Investor Presentaiton

OVERVIEW OF CITIGROUP'S AUSTRALIAN CONSUMER BUSINESS TO BE ACQUIRED A comprehensive set of consumer products targeting quality affluent customers ✓ UNSECURED LENDING Leading white label provider to blue chip corporate clients in the airline, retail and financial sectors ✓ Strong digitally enabled capability ✓ CRWA of $4.4 billion¹ ✓ ~1.0 million customers with a tilt to premium MORTGAGES ✓ Total balances $7.9 billion (net of provisions) ✓ CRWA of $2.9 billion¹ ✓ Low risk portfolio ✓ Weighted-average LVR of 60%³ ✓ Largely mass-affluent customer base DEPOSITS / WEALTH Long tenured client base Integration opportunities with NAB Personal Bank and NAB Private Bank 3 Net balances by product2 ($bn) 2.2 1.5 Owner Occupier $5.8bn Home loan book composition³ (%) Investor $2.1bn 27% 73% 0.6 NAB 62% OO Own brand White label Personal loans Net balances by product2 ($bn) Deposits 9.0 Fixed rate 1.1 $1.3bn $2.5bn 17% 3.3 Wealth AUM 4.6 Variable $6.6bn 83% NAB 27% Fixed ■Offset accounts ■Term deposits Current & Savings accounts Accounts 244 848 68 Accounts (000's) 30 Customers (000's) 410 (000's) Net Credit Average Balance ($000's) ~267 Average Balance ($000's) ~22 Losses 1.9% 1.5% 2.6% (% of Avg. Receivables) Net Credit Losses (% of Avg. Receivables) 0.01% Wealth Clients (000's) ~4 1. 23 Based on standardised risk weights for unsecured lending balances (104%) and mortgages (37%) Balances as at 30 June 2021 As at 31 March 2021 National Australia Bank

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