Investor Presentaiton

Loan portfolio composition. Exposures at default¹ by sector ($bn) Finance & insurance² Government admin. & defence Property³ ■Sep-21 ■Mar-22 ■Sep-22 Wholesale & retail trade Agriculture, forestry & fishing Services Manufacturing Property services & business services Transport & storage Utilities Construction4 Accommodation, cafes & restaurants Mining Other 0 50 100 150 200 250 Top 10 institutional exposures to corporations and NBFIs5 (% of TCE) Credit quality 1.2 1.2 1.1 1.1 1.1 1.0 1.0 1.0 1.0 Sep-15 Sep-16 Sep-17 Sep-18 Sep-19 Sep-20 Sep-21 Mar-22 Sep-22 Top 10 institutional exposures to corporations & NBFIs at 30 September 2022 ($m) S&P rating or equivalent AA- BBB A+ BBB A A 0 500 1,000 1,500 2,000 Clearing house membership 2,500 3,000 1 Exposures at default is an estimate of the committed exposure expected to be drawn by a customer at the time of default. Excludes consumer lending. 2 Finance and insurance includes banks, non-banks, insurance companies and other firms providing services to the finance and insurance sectors. 3 Property includes both residential and non-residential property investors and developers and excludes real estate agents. 4 Construction includes building and non-building construction, and industries serving the construction sector. 5 NBFI is non-bank financial institutions. 74 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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