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Investor Presentaiton

Australian consumer finance. 2% of Group loans. Australian consumer finance portfolio 1 Total consumer finance 90+ day delinquencies (%) Mar-20 Sep-20 Mar-21 $18.4bn $15.7bn $15.0bn 2.50 Lending 30+ day delinquencies (%) 4.22 3.62 3.58 1.50 90+ day delinquencies (%) 1.97 2.09 1.92 90+ day delinquencies down 17bps over the period, reflecting 26bps improvement in portfolio, offset by 9bps from contraction in loans. Australian consumer finance portfolio ($bn)¹ ■Mar-20 ■Sep-20 Mar-21 8.3 6.8 6.8 6.3 5.9 5.4 3.8 3.0 2.8 18.4 15.7 15.0 Credit quality 1.92% Consumer unsecured 90+ day delinquencies down 17bps mostly due to portfolio improvement 0.50 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Mar-21 Australian consumer finance portfolio ($bn) Unsecured performing loans balance ($bn Ihs) ■Unsecured 90+ day delinquencies balance ($bn rhs) 12505 0 Credit cards Personal loans Auto loans (consumer) Total consumer finance 1 Does not include Margin Lending. 69 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Mar-19 May-19 Jul-19 Sep-19 Nov-19 Jan-20 Mar-20 May-20 Jul-20 Sep-20 3 2 1 0 Westpac GROUP
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