Investor Presentaiton

Westpac Group at a glance. Westpac NEW ZEALAND W Australia's first bank and oldest company founded in 1817 Repositioning business portfolio to focus on banking Australia's 3rd largest bank and 37th largest bank in the world, ranked by market capitalisation¹ Strong market share in key products Our brands • Capital ratios are in the top quartile globally • Credit ratings² AA- / Aa3 / A+ Joined the Net-Zero Banking Alliance and supporting the transition to a net-zero economy by 2050 Overview bank SA +BT RAMS TM st.george Bank of Melbourne Key statistics at 30 September 2022 Key financial data for FY22 Customers³ 12.7m Reported net profit after tax $5,694m Cash earnings $5,276m Australian household deposit market share4 20% Expense to income ratio? 56.8% Australian mortgage market share5 21% Common equity Tier 1 capital ratio (APRA basis) 11.3% Australian business credit market share5 15% Return on equity7 Total assets 7.5% $1,014bn New Zealand deposit market share6 18% New Zealand consumer lending market share6 18% $944bn $72bn 1 30 Sep 2022 Source: S&P Capital IQ, based in US$. 2 S&P Global Ratings, Moody's Investors Service and Fitch Ratings respectively. All three credit rating agencies have Westpac Banking Corporation on a stable outlook. 3 Customer numbers related to businesses sold, held for sale or in run-off at 30 Sep 2022 have been excluded. 4 APRA Banking Statistics, September 2022. 5 RBA Financial Aggregates, September 2022. 6 RBNZ, September 2022. 7 Cash earnings basis. 8 Based on share price at 30 Sep 2022 of $20.64. Total liabilities Market capitalisation³ 38 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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