Investor Presentaiton

Helping Australians and New Zealanders Succeed. Customer franchise COVID-19 support Supported customers to defer over $70bn of lending via COVID-19 deferral packages helping over 200k customers Personalised support to customers exiting deferral packages and experiencing hardship - Provided Government Guarantee loans - $300m to ~2,500 customers in Australia NZ$65m to 229 customers in NZ Updated SME Government Guarantee loans launched April 2021 Helped 160k superannuation fund members through access to $1.9bn via early release scheme Customers provided packages ('000s) 178 29 Australia New Zealand 149 42 9 33 Mortgages 1 Insurance claims is before reinsurance. 2 Funds under administration. Business Natural disasters • • • Announced a $10m Flood Support Fund to provide emergency grants for eligible customers in flood-affected areas. This included: - $5,000 grants for businesses $3,000 grants for households Disaster relief packages provided to customers including deferrals Insurance claims of ~$110m¹ for ~4,600 customers in 1H21 for floods and storms $150k provided to The Salvation Army for flood support Helping customers . • $5.6bn of loans to first home buyers in 1H21 Migrated $11.3bn to new leading platform, with FUA² on Panorama $50bn Customers can block their cards to limit gambling online, since launch over 2,500 customers have enabled this feature Provided financial education and literacy programs and tools through the Davidson Institute Launched capability to auto-detect and block abusive language and enable customers to report abusive messages in banking text. Since launch we have filtered and blocked more than 5,000 messages New app launched making it faster and simpler for customers to bank with us Improved cyber protection including Security Wellbeing Check within our banking app Simplified fee and products, eliminated over 100 fees in 1H21 40 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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