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Investor Presentaiton

NZ - reset in progress. Performance Lending up 5% over the year • Broad based growth • Margin flat on year, up 5bps over 2H22 • Leading participant in sustainable transactions1 in NZ Net loans (NZ$bn) 92.6 Up 2% 94.0 Up 3% 96.8 Sep-21 Mar-22 Sep-22 Simplification and digital Completed sale of NZ life insurance Core earnings excluding notable items (NZ$m) • Products for sale down 16% Improved IT system stability • Launched 'Verify Now' - secure digital onboarding Progressing s95 program 1 Sustainable finance transactions refers to green, social, sustainability, sustainability-linked and re-linked loans and bonds. 13 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack 679 Up 2% 692 Up 6% 736 2H21 1H22 2H22 Westpac GROUP
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