Investor Presentaiton

Sectors in focus. Retail trade. Credit quality Retail trade Mar-20 Sep-20 Mar-21 Retail trade exposure by sub-sector (TCE) ($bn) ■Mar-20 ■Sep-20 ■Mar-21 7.0 7.0 Total committed exposures (TCE) $15.5bn $15.0bn $13.9bn 6.4 Lending $11.1bn $9.5bn $8.7bn As a % of Group TCE 1.43 1.41 1.30 4.6 4.4 4.0 3.8 3.6 3.4 BB Median risk grade BB BB equivalent equivalent equivalent % of portfolio graded as stressed 1,2 6.70 7.26 5.48 % of portfolio impaired² 1.44 1.84 1.82 Personal and household Motor vehicle retailing and goods retailing services Food retailing Retail trade portfolio graded as stressed (%) Decreasing stress reflects improving economic conditions, in particular the improved trading across the motor vehicle industry 7.26 6.70 6.05 5.43 5.48 4.67 4.84 3.02 Sep-17 Mar-18 Sep-18 Mar-19 Retail trade by internal risk grade category (TCE) ($bn) 7.0 6.4 ■Investment ■Sub-investment ■Stressed 4.4 4.0 3.6 3.4 Sep-19 Mar-20 Sep-20 Mar-21 Sep-20 Mar-21 Personal and household goods retailing Sep-20 Mar-21 Motor vehicle retailing and services Sep-20 Mar-21 Food retailing 1 Includes impaired exposures. 2 Percentage of retail trade portfolio TCE. 68 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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