Investor Presentaiton

WIB - deepening relationships. Performance • Reset the business model, reduced risk • Loans up 26%, >80% to existing customers Core earnings much higher, ROE up Expanding carbon trading desk Net loans ($bn) 12 67.7 Up 9% Up 15% 85.2 74.0 Sep-21 Mar-22 Sep-22 Simplification and digital 35,000 hours of manual work saved from process reengineering New online FX pricing calculator Core earnings excluding notable items ($m) Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack 492 Up 17% 576 353 Up 39% 2H21 1H22 2H22 Westpac GROUP

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