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Investor Presentaiton

Westpac New Zealand review. Strategy Westpac is reviewing the most appropriate ownership structure for its New Zealand operations. The business has been a valuable contributor for many years. The review is ongoing. $ Rationale for the review Contribution to Westpac Group • Banking is increasingly a local business 1H21 Cash earnings ex notables (%) BS11 operational separation limits synergies 5 Considerations Potential value uplift from two locally focused businesses Separation and independence costs Impact of RBNZ reviews Status Regulator engagement required Determining potential split of balance sheet in a demerger Progressing analysis 34 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Lending (%) 15 0 12 85 0 88 ■Group ex Westpac NZ ■ Westpac NZ ■ Group ex Westpac NZ ■ Westpac NZ Westpac GROUP
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