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Investor Presentaiton

Cash earnings and reported net profit reconciliation. Cash earnings¹ policy Westpac uses a measure of performance referred to as cash earnings to assess financial performance at both a Group and segment level To calculate cash earnings, reported net profit is adjusted for: Material items that key decision makers at Westpac believe do not reflect our operating performance Items that are not normally considered when dividends are recommended, such as the impact of economic hedges Accounting reclassifications between individual line items that do not impact reported results Westpac will no longer be reporting on a cash earnings basis from 1 October 2022. Details on the implication of these changes will be announced before the 1H23 result Reported net profit and cash earnings ($bn) ■Reported profit Cash earnings 8.1 8.1 6.8 6.8 FY18 FY19 2.3 2.6 FY20 Results Change Change FY22 FY22-FY21 2H221H22 ($m) (%) (%) Cash earnings 5,276 (1) (30) Cash EPS (cents) 148.0 1 (27) Reported net 5,694 4 (26) profit Reported EPS (cents) 159.9 7 (24) Reported net profit and cash earnings adjustments ($m) FY21 FY22 5,458 5,694 Reported net profit 5.7 5.5 5.4 5.3 Fair value (gain)/loss on economic hedges (138) (470) Ineffective hedges 32 32 52 52 Cash earnings 5,352 5,276 FY21 FY22 1 Cash earnings is not a measure of cash flow or net profit determined on a cash accounting basis, as it includes non-cash items reflected in net profit determined in accordance with AAS (Australian Accounting Standards). The specific adjustments outlined include both cash and non-cash items. Cash earnings is reported net profit adjusted for material items to ensure they appropriately reflect profits available to ordinary shareholders. All adjustments shown are after tax. For further details refer to page 125. 42 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP
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