Investor Presentaiton

New Zealand balance sheet. Net loans (NZ$bn) 1.0 96.8 1.8 94.0 92.6 Up 3% Deposits (NZ$bn) 75.9 New Zealand 0.9 (1.4) 78.4 77.9 Down 1% Sep-21 Mar-22 Consumer Business Sep-22 Sep-21 Mar-22 Consumer Business Sep-22 Loans (NZ$bn) and % of total Customer deposits (NZ$bn) and % of total Up 2% Up 2% Up 3% Up 2% Up 3% Down 1% 97 ■Business 91 93 94 78 78 ■Personal 74 76 Transaction Savings Term deposits Mortgage 32 31 31 32 1 1 1 33% 58 61 62 64 1% O 26 25 24 26 32% 41% 21 22 21 22 66% 29 28 30 32 27% Mar-21 Sep-21 Mar-22 Sep-22 103 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Mar-21 Sep-21 Mar-22 Sep-22 Westpac GROUP

View entire presentation