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Investor Presentaiton

Australian consumer finance. Australian consumer finance portfolio¹ Australian consumer finance delinquencies (%) Credit quality Sep-21 Mar-22 Sep-22 6.00 90+ day delinquencies - 30+ day delinquencies 5.00 Lending ($bn) 13.4 12.8 11.7 4.00 As a % of Group loans 1.9 1.8 1.6 3.00 30+ day delinquencies (%) 3.22 3.06 2.79 2.79 2.00 90+ day delinquencies (%) 1.73 1.64 1.60 1.60 1.00 90+ day delinquencies down 4ps over the period, reflecting 17bps improvement in portfolio, partly offset by 13bps from contraction in portfolio (mostly auto) 0.00 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Australian consumer finance portfolio ($bn) 6.0 6.4 6.4 ■Sep-21 Mar-22 Sep-22 In run-off 13.2 12.8 11.7 Australian consumer finance portfolio balance ($bn) ■Performing loans ($bn lhs) 90+ day delinquencies balance ($bn rhs) 2250 15 3 2 4.8 4.0 3.0 2.4 2.4 2.3 10 1 5 0 0 Credit cards Personal loans Auto loans 2 (consumer) Total consumer finance Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 1 Does not include margin lending. 2 Loans to customers through dealers in Specialist Businesses. These loans will be run-down over their contractual term. 79 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP
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