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Investor Presentaiton

Fix Priority - reducing risk. Customer Outcomes & Risk Excellence (CORE) program on track1 Sep-21 Design Implement Embed Mar-22 Sep-22 az Addressing past issues 14 major customer remediation programs closed in FY22 with $567m returned to customers, 8 major programs remain open 76% 99% 100% Settled 7 regulatory proceedings Resolved 2 class actions, subject to court approval 40% 63% 87% Upgraded financial crime system and capability 6% 9% 32% 1 Percentages based on Westpac's assessment of completed activities. 2 Section 95 of the Reserve Bank of New Zealand Act 1989. 7 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack APRA liquidity overlay removed Progress on New Zealand s952 program Westpac GROUP
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