Investor Presentaiton

BankWest overview About BankWest History 1895: Established by the Western Australian Government, as the Agricultural Bank of WA, to assist in developing the State's farming industry 1945: Commenced operations as a trading bank 1994: Acquired by the Bank of Scotland, with a related public listing of 49% on the ASX ■2003: HBOS plc acquired the remaining shares and BankWest was de-listed Operations Funding mix vs peers 100% 90% 80% 70% 42% 37% 41% 47% 48% 49% 60% 50% 40% 30% 20% 63% 58% 59% 53% 52% 51% 10% 0% CBA NAB WBC ANZ BankWest 'Pro Forma I Customer Deposits ■Wholesale Funding Funding mix June 2008 Market leader in WA More than 860,000 customers Offers a range of retail and business banking products East coast retail expansion program Customer Accounts, 63% Source: Company filings, regulatory filings, and investor presentations. Note: Funding mix data as of most recent company filings, 31 March 2008, except for BankWest (30 June 2008), and CBA (30 June 2008). Figures rounded to nearest integer. 20 20 Intragroup _deposits, 22% Debt securities, 8% Subordinated liabilities, 2% _Other, 5% Determined to be different

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