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Investor Presentaiton

Notable items and simplification impacts. Contribution of businesses sold¹ Notable items ($m after tax) 1H22 2H22 ($m) FY21 1H22 2H22 Core earnings 515 74 35 Remediation and litigation (65) (68) Cash earnings 389 57 16 Write-down of assets & accelerated branch closure costs (154) (129) Included in businesses sold FY21 1H22 2H22 General Insurance Lenders Mortgage Insurance Asset sales / revaluations 213 (1,089) Vendor Finance Motor Vehicle Finance & | Novated Leasing Total cash earnings impact NZ life insurance (6) (1,286) Australian life insurance 1 Contribution of businesses sold in respective period. For detail on the contribution of business under sale agreement and presented as Held for Sale refer to Westpac's 2022 Full Year Financial Results Announcement Section 5 Note 8. 19 Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack Westpac GROUP
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