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Investor Presentaiton

Perform competitive cost base.1 - - - Targeting $8bn by FY24. Continued investment – $3.5-$4bn over 3 years. Expenses ($bn)² Targeting a cost base of $8bn by FY24 12.7 Targets embedded in leader scorecards 0.9 ■Specialist Businesses . Expect to invest $3.5bn to $4bn over 3 years. Notable items Sources of improvement 2.5 ■Westpac continuing costs - Investment in Fix initiatives to reduce notable items 8.0 - Exit Specialist Businesses Simplify the business, improve processes and digitise 6.0 0.4 9.3 0.7 8.0 - Smaller head office FY20 4.9 1H21 FY24 Target 1 This page contains 'forward-looking statements' and statements of expectation. Please refer to the disclaimer on page 117. 2 Future periods exclude potential notable items. References to notable items include provisions related to AUSTRAC proceedings; estimated customer refunds, costs and litigation; write-down of intangible items; and asset sales/revaluations. Includes Westpac New Zealand. 11 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP
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