Investor Presentaiton

Sep-21 Mar-22 Term deposits Customer deposit movements ($bn) Savings Up 9% Transaction Offset accounts 19 Composition of deposits (% of total) Composition and movement in deposits. 550 ■Households 240 247 252 217 $613bn ■Businesses 55 26 191 207 217 199 ■Institutional Customer deposits ($bn) ■Term deposits 580 ■Savings ■Transaction 601 613 Down NZ$0.5bn 25 (18) 4 601 1 613 12 580 601 4 (1) (4) 1 613 580 Up 4% Up 4% Sep-22 Sep-21 Customer deposits ($bn) 142 134 137 162 Mar-21 Sep-21 Mar-22 Sep-22 Charts may not add due to rounding. 1 In A$. The large difference between the NZ$ and A$ movement is due to a ~6% change in the exchange rate over the period; September 2022: 1.1354, March 2022: 1.0759. 2 Includes Group Businesses and Specialist Businesses. 62 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP Mar-22 Consumer Business Up 9% WIB New 1 Zealand Other Sep-22 Revenue

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