Investor Presentaiton

Australian mortgage delinquencies. Lower over the half in line with hardship balances. Australian mortgages Australian mortgage delinquencies (%) Mar-20 Sep-20 Mar-21 Total portfolio 30+ day delinquencies (bps) 188 214 179 4.0 Total portfolio 90+ day delinquencies (bps) (inc. impaired mortgages) 94 162 120 3.0 Investment property loans 78 148 118 90+ day delinquencies (bps) 2.0 Interest only loans 73 125 91 90+ day delinquencies (bps) 1.0 Customers in hardship1 (by balances, bps) 105 129 113 10 Consumer properties in possession (number) 468 256 180 0.0 Impaired mortgages (by balances, bps) 9 8 6 Australian mortgage hardship balances ($bn and # of accounts) 7 Balances ($bn, Ihs) 6 Number of accounts (rhs) 5 4 3 Mortgage asset quality 90+ day past due total 30+ day past due total Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Australian mortgage 90+ day delinquencies by State (%) 20,000 NSW/ACT 3.0 VIC/TAS QLD WA 16,000 SA/NT ALL 12,000 2.0 8,000 4,000 1.0 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Jan-19 Mar-19 May-19 Jul-19 Sep-19 Nov-19 Jan-20 Mar-20 May-20 Jul-20 Sep-20 Nov-20 Jan-21 Mar-21 0.0 Mar-18 Sep-18 Mar-19 Mar-20 Sep-20 Mar-21 Sep-19 1 Financial hardship assistance is available to customers experiencing unforeseen events, including changes in income due to illness, a relationship breakdown or natural disasters. Hardship assistance often takes the form of a reduction or deferral of repayments for a short period. Customer requesting financial hardship assistance must provide a statement of financial position and an assessment is made regarding the customer's eligibility. 2 Mortgage loss rates are write-offs for the 6 months ending. 70 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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