Investor Presentaiton

Funding structure continues to improve and is well balanced Total funding composition (%) Wholesale funding (%) : 24 Wholesale funding by currency (%) 9 9 10 9 5 20 34 34 23 16% 1% 6% NZD 12% Domestic Medium Term Notes 28% USD Euro Medium Term Notes 23% US Commercial Paper 39% □ EUR 57 57 63 68 57 Covered Bonds CHF 21% 23% Certificates of Deposit 31% Other FY10 Deposits 30.0% FY11 FY12 FY13 Wholesale Funding I Intercompany Debt Equity FY13 wholesale funding to total liabilities (%) Active management of wholesale debt 27.0% 24.0% 28.40% 21.0% 18.0% 22.60% 20.70% 20.60% 15.0% Peer Peer Peer Westpac I 2,776, 21% $13b 1,534 12% 8,869 67% CP RCDS Term debt issues FY12 includes 11 months of the institutional business which vested on 1 November 2011. FY11 and prior excludes the institutional business. Source: Company Annual reports and 30 September 2013 Disclosure statements or equivalents W

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