Investor Presentaiton

New Zealand balance sheet. Net loans (NZ$bn) Deposits (NZ$bn) New Zealand 3.0 87.0 88.0 (0.4) 90.6 69.1 71.0 1.0 2.1 74.1 Up 3% Up 4% Mar-20 Sep-20 Consumer Business Mar-21 Mar-20 Sep-20 Consumer Business Mar-21 Loans (NZ$bn) and % of total Customer deposits (NZ$bn) and % of total Up 3% Up 1% 84 87 88 Up 3% 91 ■Business Personal ■Mortgage Up 7% 69 Up 3% 74 71 Up 4% 64 20 22 15 32 32 32 31 2 2 35% 24 15 16 18 21 33% Transaction Savings Term deposits Iloilo 51 53 55 58 Sep-19 Mar-20 Sep-20 Mar-21 O 1% 64% 34 33 31 29 28% Sep-19 Mar-20 Sep-20 Mar-21 39% 91 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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