Investor Presentaiton

Balance sheet funding. Capital, Funding and Liquidity Shift in balance sheet: higher customer deposits, lower offshore wholesale funding Funding composition (%) By residual maturity 5 7 Significant balance sheet changes in the last 18 months Customer deposits to net loans ratio (%) Customer deposits Net customer loans Deposits to net loans ratio 55 6 5 Wholesale onshore <1yr¹ stable Wholesale offshore <1yr¹ down $17bn W'sale onshore >1 yr up $14bn, inc. TFF drawdowns $22bn Wholesale offshore >1yr down $29bn 80.1 79.8 75.6 73.4 525 715 544 720 693 690 555 550 12 1 1 Securitisation down $1.5bn 9 8 Equity² up $6bn Sep-19 66 63 99 Mar-20 Sep-20 Mar-21 ■Sep-19 ■Mar-20 Wholesale funding by residual maturity³ ($bn) Long term includes TFF drawn down Customer deposits up $26bn ■Sep-20 ■Mar-21 Sep-20 $18bn Mar-21 $22bn 249 255 230 216 148 150 142 131 101 105 88 85 Sep-19 Bars may not add to 100 due to rounding Mar-21 Short term Long term Total wholesale 1 Includes long term wholesale funding with a residual maturity less than or equal to 1 year. 2 Equity excludes FX translation, Available-for-Sale securities and Cash Flow Hedging Reserves. 3 Short term funding includes scroll. Scroll represents wholesale funding with an original maturity greater than 12 months that now has a residual maturity less than 12 months. Long term includes securitisation. 83 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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