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Investor Presentaiton

Credit impairment charge (benefit) composition. ($m) Individually assessed provisions New IAPS Collectively assessed provisions Total Write-backs & recoveries Write-offs direct Other movement in CAP2 351 283 144 (170) (147) (194) 1,619 438 438 366 318 (640) 2,238 940 (372) 1H20 2H20 1H21 1H20 2H20 1H21 1H20 2H20 1H21 1H20 2H20 1H21 1H20 2H20 1H21 1 IAP is individually assessed provisions. 2 CAP is collectively assessed provisions. 22 22 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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