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Investor Presentaiton

Revised cost target of $8.6bn by FY24.1 Expenses, ex Specialist Businesses ($bn) 11.8 We are committed to reducing costs by FY24 ■Notable items • We revised our FY24 Target as 1.7 ■Ongoing & Fix - Inflation2 higher than initially assumed - Persistence of some regulatory and 9.7 compliance costs beyond FY23 0.3 Revised target³ excludes - Specialist Businesses segment - Acquisitions or notable items 10.1 9.4 8.6 Specialist Businesses ($m)4 FY21 FY22 Revenue 1,949 322 Expenses 1,478 1,047 FY21 FY22 FY24 Target 1 The information on this page contains 'forward-looking statements' and statements of expectation reflecting Westpac's current views on future events. They are subject to change without notice and certain risks, uncertainties and assumptions which are, in many instances, beyond its control. They have been based upon management's expectations and beliefs concerning future developments and their potential effect on Westpac. Should one or more of the risks or uncertainties materialise, or should underlying assumptions prove incorrect, actual results may differ materially from those expressed or implied in such statements. Investors should not place undue reliance on forward-looking statements and statements of expectation. Except as required by law, Westpac is not responsible for updating, or obliged to update, any matter arising after the date of this presentation. The information in this page is subject to the information in Westpac's ASX filings, including in its 2022 Full Year Financial Results and elsewhere in this presentation. 2 Inflation expected to fall from current level of around 7.3%, to closer to 3% by FY24. 3 Also excludes any significant rise in expenses from uncertain or not fully scoped matters. 4 Includes notable items 14 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP
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