Investor Presentaiton

Strong Capital position maintained in FY13 Tier 1 capital ratio (%) Continued re-investment in capital FY13 Total capital ratios (%) Capital levels well funded 14.0% 10.5% 7.0% Basel II 11.90% 12.40% Basel III 12.61% 12.30% 12.0% 12.3% 12.30% 9.5% 9.9% 10.5% 10.40% 10.40% 8.87% 3.5% 0.0% FY09 FY10 FY11 FY12 FY13 Peer 12.0% 9.0% Return on equity (%) Strong return with reinvestment of profits 46,000 42,000 38,000 6.0% 11.80% 11.50% 10.10% 7.30% 3.0% 0.0% FY10 FY11 FY12 FY13 Peer Peer CET1 ит1 T2 Risk weighted assets trend (%) Improving asset quality 36,130 34,379 34,000 30,000 FY10 FY11 Westpac 44,893 42,567 FY12 FY12 includes 11 months of the institutional business which vested on 1 November 2011. FY11 and prior excludes the institutional business. Source: Company Annual reports and 30 September 2013 Disclosure statements or equivalents : 20 FY13 W

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