Investor Presentaiton

Non-interest income.1 Revenue ■Fees Non-interest income by type ($m) ■Wealth management ■Trading Other Non-interest income by segment ($m) ■WIB Consumer ■Business SB NZ GBU 1,652 Up 2% Down 4% 1,613 Up 2% Down 4% 1,574 1,541 1,652 1,574 1,613 18 3 1,541 75 145 139 62 32 36 131 123 35 453 128 339 262 281 385 348 379 373 378 360 354 371 174 174 163 166 258 263 324 288 803 813 845 827 687 626 588 551 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 Net fee income ($m) Wealth management ($m) ■WIB ■Consumer ■ Business ■ Other Trading and other ($m) ■ Trading ■ DVA ■ Other Up 4% Down 2% Down 2% Up 5% 471 Up 3% Down 17% 414 845 803 813 827 378 18 360 371 401 343 354 54 75 109 97 116 110 62 139 172 172 162 165 39 220 232 265 248 399 373 340 223 302 312 302 303 1H21 2H21 1H22 2H22 1H21 2H21 1H22 2H22 1H21 2H21 (34) (59) 1H22 2H22 1 Excluding notable items and businesses sold. Income for businesses sold includes General Insurance, Lenders Mortgage Insurance, Motor Vehicle Finance & Novated Leasing, Vendor Finance, NZ life insurance and Australian life insurance; prior figures have been aligned to current presentation for comparability. 64 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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