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0.4 0.2 0.0 220 Property Credit quality across sectors. Corporate and business stressed exposures by industry sector ($bn) 2.0 1.8 1.6 1.4 1.2 1.0 0.8 0.6 Increase driven by downgrade of one exposure to watchlist Accommodation, cafes & restaurants Stress to TCE by sector Accomm., Wholesale & retail trade 1 Services includes education, health & community services, cultural & recreational and personal & other services. 75 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Agriculture, forestry & fishing Property services & business services Services Manufacturing Construction Property & Sector Property cafes & restaurants Wholesale & Agriculture, business Transport & Finance & retail trade forestry & fishing services Services1 Manufacturing Construction storage Mining Insurance Utilities Mar-22 (%) Sep-22 (%) 2.1 7.6 3.1 3.7 3.6 2.8 2.7 5.5 1.7 0.6 0.1 0.2 2.1 6.8 3.0 3.6 3.2 4.1 2.9 5.4 2.0 0.6 0.1 0.2 Transport & storage Westpac GROUP Mining Finance & insurance Utilities ■Sep-21 Mar-22 ■Sep-22 Credit quality

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