Investor Presentaiton

Loan portfolio composition. Exposures at default¹ by sector ($bn) 2 Finance & insurance2 Government admin. & defence Property³ 3 Wholesale & retail trade Services Manufacturing Agriculture, forestry & fishing Property services & business services Transport & storage Utilities 4 Construction" Accommodation, cafes & restaurants Mining Credit quality Top 10 exposures to corporations and NBFIs 5 (% of TCE) The single largest corporation/NBFI exposure is 0.3% of TCE Includes securities held in liquid assets portfolio 1.0 1.1 1.1 1.0 1.0 1.0 1.0 ■Mar-20 ■Sep-20 ■Mar-21 Sep-16 Sep-17 Sep-18 Sep-19 Mar-20 Sep-20 Mar-21 Top 10 exposures to corporations & NBFIs at 31 March 2021 ($m) S&P rating or equivalent A+ A- A- BBB+ A+ BB+ BBB+ BBB BBB+ BBB 0 Clearing house membership Other 0 20 40 60 80 100 120 140 160 600 1,200 1,800 3,000 2,400 1 Exposures at default is an estimate of the committed exposure expected to be drawn by a customer at the time of default. Excludes consumer lending. 2 Finance and insurance includes banks, non-banks, insurance companies and other firms providing services to the finance and insurance sectors. 3 Property includes both residential and non-residential property investors and developers and excludes real estate agents. 4 Construction includes building and non-building construction, and industries serving the construction sector. 5 NBFI is non-bank financial institutions. 63 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Westpac GROUP

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