Investor Presentaiton

Well placed on internationally comparable. Common equity Tier 1 ratio (%)¹ 20% 15% Capital, funding and liquidity 10% 5% 0% ANZ CBA NAB Westpac, 17.6% Danske Bank Nordea Unicredit Bank of Montreal NatWest Morgan Stanley Norinchukin Bank Rabobank BPCE Toronto Dominion Bank ING Group Lloyds UBS Leverage ratio (%)¹ 9% Lo Lo No co to 00 00 0 0 3% 2% 4% 5% 6% 7% 8% 1% 0% Norinchukin Bank ICBC China Merchants Bank Bank of China China Construction Bank Agricultural Bank of China BBVA Rabobank Credit Suisse ANZ Westpac, 6.0% UBS CBA NatWest Unicredit Goldman Sachs HSBC NAB Lloyds Bank of Montreal Intesa Sanpaolo ING Group Barclays BPCE Sumitomo Mitsui Nordea Mitsubishi UFJ Santander Danske Bank Commerzbank Royal Bank of Canada Standard Chartered Toronto Dominion Bank Deutsche Bank CIBC Scotiabank Mizuho FG Societe Generale BNP Paribas Credit Agricole SA JPMorgan Chase Sumitomo Mitsui Standard Chartered Commerzbank HSBC Credit Suisse China Construction Bank Barclays ICBC Royal Bank of Canada Deutsche Bank Societe Generale Intesa Sanpaolo BBVA China Merchants Bank Santander BNP Paribas Bank of America Mizuho FG CIBC Citigroup Scotiabank Bank of China Credit Agricole SA Agricultural Bank of China Mitsubishi UFJ Wells Fargo 1 Comparison group comprises listed commercial banks with assets in excess of A$700bn and which have disclosed fully implemented Basel III ratios or provided enough to estimate. Based on company reports/presentations. Ratios at 30 June 2022, except for Westpac and ANZ which are at 30 September 2022, NAB at 31 March 2022 and Bank of Montreal, Scotiabank, Royal Bank of Canada, CIBC and Toronto Dominion are at 31 July 2022. Leverage ratio is on a transitional basis. Where accrued expected dividends have been deducted and disclosed, these have been added back for comparability. US banks are excluded from leverage ratio analysis due to business model differences, for example from loans sold to US Government sponsored enterprises. NAB has not disclosed an internationally comparable leverage ratio since September 2017. Shows ratios at the last reporting date, which may take account of measures taken in response to COVID-19. 92 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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