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Westpac 2021 Interim Results Index 2021 Interim Results Presentation Investor Discussion Pack of 2021 Interim Results Overview Strategy Results Customer franchise Risk governance Sustainability Earnings drivers Revenue Expenses Impairment charges Credit quality and provisions Australian mortgage asset quality Capital, Funding and Liquidity Divisional results Consumer Business Westpac Institutional Bank Westpac New Zealand Specialist Businesses Economics Appendix Contact us Disclaimer 3 30 31 32 35 39 44 46 51 52 55 56 57 70 77 85 87 88 89 90 94 96 108 116 117 Westpac GROUP

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