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1H21 earnings. Cash earnings ($m) 1H21 - 2H20 1,615 1,220 2,835 (59) 58 21 Core earnings up $20m 1,312 (348) 3,819 (282) 3,537 2H20 Up 35% More than doubled, up $1,922m 2H20 notable items 2H20 excl. 1 notable items 1 Net interest income Non-interest income Expenses Impairment charges Tax & NCI² 1H21 excl. 1H21 1H21 notable items 1 notable items 1 1 References to notable items in this release include (after tax) provisions related to AUSTRAC proceedings; estimated customer refunds, costs and litigation; write-down of intangible items; and asset sales/revaluations. 2 NCI is non-controlling interests. 14 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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