Investor Presentaiton

Westpac 2022 Full Year Results Index 2022 Full Year Results Presentation 3 Investor Discussion Pack of 2022 Full Year Results 36 Overview 37 Results 39 Customer franchise 43 CORE 48 50 60 Sustainability Earnings drivers Revenue Expenses Impairment charges Credit quality and provisions Australian mortgage credit quality Capital, Funding and Liquidity Segment results Consumer Business 61 68 88 65 55 69 80 86 97 99 100 Westpac Institutional Bank 101 Westpac New Zealand Specialist Businesses Economics Appendix Contact us Disclaimer 102 106 108 124 137 138 Westpac GROUP

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