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Appendix 2: Cash earnings ex notable items.1 2H21 ($m) 1H22 ($m) 2H22 ($m) Change 2H22 1H22 (%) Net interest income 8,189 8,021 8,585 7 Non-interest income Appendix Change 2H22 2H21 (%) - 4 1,849 1,703 1,586 (7) (14) Net operating income 10,038 9,724 10,171 5 1 Expenses (5,700) (5,135) (5,035) (2) (12) Core earnings 4,338 4,589 5,136 12 18 Impairment benefit/(charge) 218 (139) (196) 41 Large Tax and non-controlling interests (NCI) (1,422) (1,349) (1,473) 9 4 Cash earnings 3,134 3,101 3,467 12 11 1 For further information refer to Westpac's 2022 Full Year Results Announcement. 126 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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