Investor Presentaiton

2H22 results summary. 7 Strong core earnings momentum • • Core earnings excluding notable items up 12% on 1H22 Costs down 2%, FTE 3% lower Revenue¹ up 5%, higher margins . Margin ex Treasury & Markets up 10bps . CET1 capital ratio 11.3%, pro forma² 11.4% • Balance sheet strong · LCR and NSFR well above regulatory minimums Proactive on funding – higher deposits, well timed wholesale issuance - Stressed exposures to TCE³ 1.07%, down 3bps Mortgage 90+ day delinquency 0.69%, down 13bps Credit quality in good shape • Provisions to credit risk RWA 1.3% 1 Excluding notable items. 2 Following the divestment of superannuation and Advance Asset Management expected in 1H23 of approximately 10bps. 3 TCE is total committed exposure. 18 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP

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