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Westpac Financial Performance Update

Mortgage portfolio composition Mortgage portfolio – Original loan amount (%) Mortgage portfolio - LVR profile (%) 50 40 Average LVR 63% 40 50 30 10 Average loan $237k 10 3220 26 | 44 20 34 24 10 23 23 18 11 2 2 4 4 10 $0 - $150k $150k - $250k - $500k - 0<=60 60<=70 70<=80 80<=90 90<95 95+ $250k $500k $750k $750k $1m $1m+ Mortgage portfolio – Regional profile (%) Mortgage portfolio – Seasoning profile (%) Auckland Wellington 30 30 39 44 Christchurch 8 9 Other 6 10 14 24 Less than 1 year ■1 to 2 years 2 to 3 years ■3 to 4 years 17 4 to 5 years ■5+ years PRIVATE & CONFIDENTIAL

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