Investor Presentaiton

Lending dynamics. Loans ($bn) 693.1 T I 8.8 (6.4) I I Australian mortgages (3.3) I (3.9) 1.6 (0.6) 0.7 690.0 Sep-20 Mortgages - Mortgages - Business Owner occupier Institutional New Zealand Other Provisions Mar-21 Investor 1 Australian mortgage flows ($bn) Aust mortgage composition (% of total) 5 27 (16) Stock Stock Mar-20 Mar-21 Flow 1H21 (13) 441 444 Interest only 23 18 14 Fixed rate 23 23 32 32 37 13% First Home Buyers Investor Sep-20 New lending excl. Refinance Net refinance Property sale and other Paydown Mar-21 1 Includes Line of Credit. 16 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack 38 38 35 55 26 26 Westpac GROUP

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