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Westpac Financial Performance Update

Well balanced and diversified funding Wholesale funding (%) Wholesale funding by currency (%) 22| 10 26 18 39 Funding mix (%) 8 5 16 Domestic Medium Term Notes 5 15 26 NZ Certificates of Deposit 7 Euro Medium Term Notes 71 14 US Commercial Paper Covered Bonds Customer Deposits ■Equity Wholesale Onshore Wholesale Offshore 13 41 NZD USD ■ EUR ■GBP CHF Commentary Funding composition well balanced between domestic and offshore wholesale programmes ➤ Lower reliance on US Commercial Paper Focus for wholesale funding will be consistent issuance into established markets with diversification within current geographies PRIVATE & CONFIDENTIAL

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