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1H21 expenses. Down 9%, flat excluding notable items.1 Expenses ($m) 1H21-2H20 6,540 (1,283) 5,257 (99) 119 (35) 5,236 (6) Flat (down $21m) Down 9% 745 5,981 2H20 2H20 notable items 1 2H20 excl. notable items 1 Ongoing expenses Investment (ex. Risk & Compliance) Risk & Compliance COVID-19 1H21 excl. notable 1H21 notable 1H21 1 items items 1 References to notable items in this slide include provisions related to AUSTRAC proceedings; estimated customer refunds, costs and litigation; write-down of intangible items; and asset sales/revaluations. 19 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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