Investor Presentaiton

Non-interest income. Non-interest income contributors ($m) ■Fees ■Wealth and insurance Net fee income1 (ex notable items) ($m) Revenue ■Trading ■ Other ■Facility fees ■Net transaction fees ■Other non-risk fee income 2,330 Up 11% Up 25% 1,988 Down 14% 1,865 582 Up 3% 16 1,675 947 443 251 902 10 453 101 61 778 804 429 499 57 75 700 481 278 595 491 469 344 378 829 755 837 700 355 372 359 369 2H19 1H20 2H20 1H21 2H19 Wealth management income¹ (ex notable items) ($m) 1H20 2H20 Insurance income 1 (ex notable items) ($m) 1H21 ■Funds Australia ■Other (incl NZ) 275 Down 1% 527 97 Up 15% 75 ■Life ■General ■LMI and NZ Up 85% Down 22% 259 66 203 480 140 422 416 69 30 110 66 106 72 76 14 430 392 350 370 112 117 120 94 2H19 1H20 2H20 1H21 (44) 2H19 1H20 2H20 1 2H20 has been restated to reflect $45m of notable items allocated to net fee income, this has now been allocated $30m to wealth management income and $15m to insurance income. 54 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack 1H21 Westpac GROUP

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