Investor Presentaiton

Sep-21 12 Composition of loans¹ (% of total) 4 11 Composition and movement in lending. $744bn Australian lending (CBB, $bn) Up 2% Up 3% 63 63 ■Australian business ■Institutional Australian other consumer New Zealand mortgages New Zealand business/others Other overseas 9 4 724 ■Australian mortgages 715 56 (47) 21 467 456 458 (12) 11 0 563 544 550 Mar-22 New lending: mortgages Repayment: mortgages New lending: business loans Repayment: business loans Net consumer finance Sep-22 Sep-21 Mar-22 Sep-21 Australian mortgage lending ($bn) Up 2% Up 3% Fixed mortgages Variable mortgages Mar-22 63 Movement in gross loans ($bn) Consumer Business Up 4% WIB Up 3% New Zealand² Institutional onshore lending movements ($bn) Charts may not add due to rounding. 1 Gross loans. 2 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. 3 Includes Group Businesses and Specialist Businesses, for gross loans excluding businesses sold and from run-off. 4 Includes business mortgages. 61 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP Sep-22 Sep-21 Mar-22 Net financing flow 4 1 6 69 Up 16% Up 26% Net structured finance flow Other Sep-22 80 60 Up NZ$2.8bn 11 (2) (2) 744 Other Sep-22 Revenue

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