Investor Presentaiton

53 53 1H20 2H20 2.01 Notable items 0.12 2.13 Net interest margin. Up 3bps excluding Treasury & Markets and notable items. Net interest margin (NIM) movement (%) 0.13 0.13 2bps 2.09 2bps (2bps) 1bp 2.07 6bps 1bp 2.04 (4bps) 2.03 1.90 1.91 Margin ex Treasury & Markets items up 3bps and notable 2H20 ex. notable items Loans Deposits Funding Capital & other Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Liquidity 1H21 ex. notable items Notable items 1H21 0.13 0.13 Net interest margin (%) ⚫NIM NIM excl. Treasury & Markets 1H16 2H16 1H17 2H17 1H18 2H18 1H19 2H19 1H20 2H20 1H21 Net interest margin by division (%) 1.96 1.94 NIM NIM ex. notables WIB 1H20 2H20 1H21 1H20 2H20 1H21 Consumer 2.33 2.41 2.39 2.33 2.41 2.39 Business 3.05 2.93 3.17 3.20 2.98 3.05 NZ 2.06 1.89 2.06 2.07 1.90 2.07 1.46 1.23 1.27 1.46 1.23 1.27 Westpac GROUP 1.96 2.09 Revenue

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