Investor Presentaiton

8 12 1 Composition of lending and deposits. Lending down 1% and deposits 1% lower over 1H21. Composition of lending (% of total) ■Aust. mortgages ■Aust. business Aust. institutional Aust. other consumer 13 64 ■New Zealand Other overseas Composition of deposits (% of total) 26 39 35 55 Mar-20 Down 1% Gross loans ($bn) Australian mortgage lending 4 ($bn) +NZ$2.5bn 42 (39) 724.9 446 441 444 698.7 5.1 (6.0) (3.9) 1.6 (0.5) 695.0 Sep-20 Consumer Down 4% Business Customer deposits1 ($bn) ■Term deposits ■Savings Transaction I! 52 52 Westpac Group 2021 Interim Results Presentation & Investor Discussion Pack Mar-20 543.8 555.5 3.8 2.6 (11.9) 2.3 Sep-20 Consumer Up 1% Down 1% WIB +NZ$3.1bn New Zealand² Other³ (2.0) 550.3 Mar-19 1 Gross loans includes $1.8bn of held for sale assets, customer deposits includes $2.1bn of held for sale liabilities. 2 In AUD. 3 Includes Group Businesses and Specialist Businesses. 4 Gross loans. Business WIB Zealand² New Other³ Mar-21 41 Mar-21 Mar-20 Sep-20 Flat New lending Up 1% Net run-off Australian mortgage offset ($bn) 48 47 42 42 43 Up 3% Up 12% Sep-19 Mar-20 Sep-20 Mar-21 Westpac GROUP Mar-21 Revenue

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