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Investor Presentaiton

Divisional1 contributions. Divisional results 1H21 ($m) Consumer Business WIB NZ Specialist Businesses Group Businesses Group Operating income 4,457 2,356 1,046 1,163 937 840 10,799 Expenses (2,270) (1,170) (698) (500) (740) (603) (5,981) Core earnings 2,187 1,186 348 663 197 237 4,818 Impairment (charges)/benefits 80 129 (8) 92 80 (1) 372 Tax & non-controlling interests (675) (395) (110) (210) (143) (120) (1,653) Cash earnings 1,592 920 230 545 134 116 3,537 2H20 ($m) Consumer Business WIB NZ Specialist Businesses Group Businesses Group Operating income 4,560 2,268 1,132 1,044 581 700 10,285 Expenses (2,141) (1,230) (697) (482) (1,128) (862) (6,540) Core earnings 2,419 1,038 435 562 (547) (162) 3,745 Impairment (charges)/benefits (599) (674) (111) (102) (95) 641 (940) Tax & non-controlling interests (546) (108) (139) (129) 43 (311) (1,190) Cash earnings 1,274 256 185 331 (599) 168 1,615 1 Refer to division descriptions, page 114. NZ in A$. 86 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP
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