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Investor Presentaiton

Long term wholesale funding. $43 billion in new term funding, including $4 billion pre-funding. Term debt issuance and maturity profile1 ($bn) Capital, funding and liquidity 37 Issuance Maturities 43 40 38 32 32 34 35 31 12 29 29 18 FY22 term debt issuance² (%) By program (%) 5 26 26 14 Charts may not add due to rounding. By currency (%) Senior bonds 334 Covered bonds 13 ■Securitisation 52 ■Tier 2 capital ■ Hybrid 41 FY25 FY26 21 24 FY27 32 32 24 24 >FY27 ■Funding for Lending Programme (NZ) ■Term Funding Facility (Aus) ■Subordinated debt ■Senior/Securitisation ■ Hybrid ■Covered bond By tenor (%) ■ AUD 21 ■ USD 36 33 33 ■ EUR ■GBP ■ 3 years ■4 years ■ 5 years ■ NZD ■>5 years 36 10 ■ Other 1 Based on residual maturity and FX spot currency translation. Includes all debt issuance with contractual maturity greater than 13 months excluding US Commercial Paper and Yankee Certificates of Deposit. Contractual maturity date for hybrids and callable subordinated instruments is the first scheduled conversion date or call date for the purposes of this disclosure. Perpetual sub-debt has been included in >FY27 maturity bucket. Maturities exclude securitisation amortisation. 2 Data excludes Funding for Lending Programme which allows eligible banks to borrow directly from the RBNZ at the official cash rate (OCR). It started on 7 December 2020 and ran until 6 June 2022 for the initial allocations, and will run until 6 December 2022 for the additional allocations. 95 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP
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