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Investor Presentaiton

Notable items and simplification impacts. Notable items ($m after tax) 1H20 2H20 1H21 AUSTRAC proceedings (1,027) (415) Remediation and litigation (258) (182) (276) Intangible write-downs (46) (568) (199) Asset sales / revaluation (68) (55) 193 Total cash earnings impact (1,399) (1,220) (282) Impact of exits and simplification P&L contribution ($m)1 1H20 2H20 1H21 Net interest income 43 32 18 Non-interest income 124 59 27 Expenses (40) (41) (26) Core earnings 127 50 19 1 Contribution of businesses exited or simplified in respective period. 15 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Remediation higher in Advice and Specialist Businesses, lower in Business Settled historical disputes Write-off of LMI goodwill and write-down of capitalised software balances Revaluation of Coinbase, final gain from Zip sale and earnout from Vendor Finance sale Partly offset by losses on sale and transaction costs Exits and simplification includes • New Zealand wealth sale • Reduction in correspondent banking relationships • Exit of Energy trading International consolidation • Consumer fee simplification Westpac GROUP
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