Investor Presentaiton

Good progress - more to do. Economic outlook positive Latest1 End 2021 Forecasts GDP growth (1.1%) 4.5% Housing credit growth 4.1% 6.5% Business credit growth (2.6%) 2.5% Unemployment rate 5.6% 5.0% 2H21 Priorities Grow core businesses - Continue mortgage improvement. Grow at major bank system in 2H21 Apply mortgage success to business lending Specialist Businesses Complete Panorama migration - Progress asset sales and completions • Risk management - deliver on CORE program and improve risk management processes/culture Begin delivering on cost reset 1 Latest is December 2020 (GDP), March 2021 housing credit, business credit and unemployment. Sources: ABS, RBA, Westpac Economics. 29 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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