Investor Presentaiton

1H21 financial snapshot. Results 1H21 Change 1H21 - 2H20 Change 1H21- 1H20 1H21 1H21 - Change Change 2H20 1H21 - 1H20 Earnings¹ Balance sheet Earnings per share (cents) 97.1 117% 251% Total assets ($bn) 889.5 (2%) (8%) Common equity Tier 1 (CET1) capital Core earnings ($m) 4,818 29% 15% 12.34 121bps 153bps ratio (APRA basis) (%) CET1 capital ratio Cash earnings ($m) 3,537 119% 256% 18.08 158bps 227bps (Internationally comparable 2) (%) Return on equity (%) 10.19 Large Large CET1 capital ($bn) 52.9 9% 10% Dividend (cents per share) 58 87% N/A Risk weighted assets (RWA) ($bn) 428.9 (2%) (3%) Expense to income ratio (%) 55.4 Large Large Average interest-earning assets ($bn) 813.0 (2%) Net interest margin (%) Loans³ ($bn) 690.0 (4%) 2.09 6bps (4bps) Customer deposits³ ($bn) 550.3 (1%) 1% Credit quality Impairment benefit to average Net tangible assets per share ($) 16.60 6% 8% 11 Large Large gross loans (bps) Funding and liquidity Impaired assets to gross loans (bps) 30 (10bps) Customer deposit to loan ratio (%) 79.8 (39bps) Large Impaired provisions to impaired assets (%) 47 6ppts (3ppts) Net stable funding ratio4 (%) (NSFR) 123 1ppt 6ppts Total provisions to credit RWA (bps) 159 (12bps) 2bps Collectively assessed provisions to 142 (12bps) 2bps credit RWA (bps) (2%) 1 All measures on a cash earnings basis. 2 Internationally comparable methodology aligns with the APRA study titled 'International Capital Comparison Study' dated 13 July 2015. 3 Includes items classified as held for sale. 4 NSFR is reported on a spot basis. 5 LCR is reported on a quarterly average basis. 6 1H21 and 2H20 includes Term Funding Facility (TFF). 7 Total liquid assets represent cash, interbank deposits and assets eligible for existing repurchase agreements with a central bank. Liquidity coverage ratio 5,6 (%) (LCR) Total liquid assets ($bn) 124 (27ppts) (16ppts) 195.2 (12%) 38 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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