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Investor Presentaiton

2H21 Considerations.1 Lending Net interest margin • Maintain mortgage momentum Stabilise Business lending • Headwinds from competitive market continued flow through of low rates Non-interest income Expenses Asset quality Improved economic activity and consumer spending Impact of simplification to flow through FY21 expected to be higher than FY20 (excluding notable items) from: Seasonality of project spend – higher in 2H - Full period effect of higher FTE for Fix agenda Maintain focus on supporting customers. Improved outlook, some impact from wind back of government support 1 This page contains 'forward-looking statements' and statements of expectation. Please refer to the disclaimer on page 117. 27 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP
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