Investor Presentaiton

Impairment benefit in 1H21. Lower new IAPS, lower stress, better economic outlook. Impairment charges ($m) New IAPS Impairment charges Individually assessed Collectively assessed Total Write-backs & recoveries Write-offs direct Other mvmts in CAP 2,238 351 283 170 144 2H19 1H20 2H20 1H21 (170) (170) (147) (194) 2H19 1H20 2H20 1H21 535 438 438 318 940 1,619 I al (74) 461 366 (372) (640) 2H19 1H20 2H20 1H21 2H19 1H20 2H20 1H21 2H19 1H20 2H20 1H21 Impairment charges and stressed exposures (bps) - Impairment charge to average loans annualised (lhs) 80 60 60 60 40 40 ......Stressed exposures to TCE (rhs) 400 300 160bps 200 100 0 Westpac GROUP (11bps) -20 2008 2009 2010 2011 2012 2013 2014 2015 2016 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 20 20 0 56 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack

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