Investor Presentaiton

1H21 Results - Overview. Good progress on strategic priorities • . . • Mortgages - on track for major bank system growth in 2H21 Simplifying portfolio – 3 more sales Cost reset commenced CORE program expanded - financial and non-financial risk Cash earnings $3.5bn, up $1.9bn Cash ROE 10% $ Earnings . • Economy significantly better than expected last year Balance sheet strength Asset quality metrics improved CET1 capital ratio at 12.34% 1H21 dividend of 58 cents per share - 60% payout 4 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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