WBC 3Q21 Capital, Funding & Asset Quality Update

3Q21
Capital, Funding and
Credit Quality Update
Fix. Simplify. Perform.
FOR THE 3 MONTHS ENDED 30 JUNE 2021
WESTPAC BANKING CORPORATION
ABN 33 007 457 141
Financial results throughout this presentation are in Australian dollars and are
based on cash earnings unless otherwise stated. Refer to the 2021 Interim
Financial Results Presentation and Investor Discussion Pack for definition. All
numbers relating to 3Q21 are on an unaudited basis. This document should be
read in conjunction with Westpac’s June 2021 Pillar 3 Report, incorporating the
requirements of APS330. Numbers principally cover and compare the 3Q21 and
1H21 periods unless otherwise stated.

3Q21 Summary.
Summary
•Stressed assets to TCE 1.51%, 9bps lower than March 21
•Mortgage 90+ day delinquencies –Australia 1.11% (down 9bps), New Zealand 0.37% (up 4bps)
•Provision cover little changed. Total provisions to credit RWAs 1.55%, down 4bps over the quarter
•Forum Finance alleged fraud included as an IAP in 3Q21
•Relatively small number of new repayment deferrals related to recent lockdowns (to 11 August 21)
•Australian mortgages and Australian business lending grew at 1x system in 3Q21
3
•Confirming key 2H21 considerations indicated at 1H21
‒Margins for 2H21 expected to be lower than 1H21
‒FY21 expenses expected to be higher than FY20 (excl notable items)
•Completed sale of General Insurance. Responding to PNG’s ICCC interim findings on Westpac Pacific
sale
4
•Announced sales of Motor Vehicle Finance, New Zealand Life insurance and Australian Life business
Funding and liquidity
Capital
Credit quality
•CET1 ratio of 12.0% compared to 12.3% at March 21, lower from dividend payment and higher RWA
•RWA up $8.5bn or 2.0% over 3Q21, mostly higher credit RWA. Mortgage credit risk weight floor 25%
1
•Pro forma CET1 ratio 12.5%
2
•Given excess capital and franking credits, the Board will consider a return of capital, with an update
expected at our FY21 results
•Funding and liquidity remain strong. LCR 127% and NSFR 123%
•Deposit to loan ratio 80.2%, compared to 79.8% at March 21
•Term Funding Facility (TFF) fully drawn down ($30bn). $8bn drawn in 3Q21
Other
Westpac Group 3Q21 Capital, Funding and Credit Quality Update2
1 Risk weight floor % is ratio of risk weighted assets to exposure at default. 2 Refer to page 13 for further details of theannounced divestments and the expected CET1 benefit. 3 Mortgage system is based on APRA banking statistics, business lending
is based on RBA financial system. 4 On 26 July 2021, Westpac announced that PNG’s Independent Consumer and Competition Commission (ICCC) has released its draft determination indicating it proposes to deny authorisation to Kina Bank for the
proposed acquisition of Westpac’s stake in Westpac Bank PNG Limited. Westpac and Kina Bank are currently reviewing the draft determination and intend to make further submissions to the ICCC before its final determination is issued in September
2021, following a public consultation period.

Supporting customers, communities and our people.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update3
Supporting key infrastructure
•System availability >99% in2021
3
•96%of branches remain open
4
•Increased staff in operations and call centres
•Continue to return certain capabilities and
operations onshore
New and ongoing support to customers
•New support for eligible customers announced in July 2021 including
1
:
–Short term deferrals for mortgages, personal loans and small business loans
–Repayment and interest rate reductions for credit cards
–Interest free temporary overdrafts up to $15k on a maximum 45-day term for business customers
–Access to term deposit or farm management deposits early with no interest adjustment
•To 11 August 21, $1.6bn in home loan balance deferrals (~3,700customers) and $29.5m in business
loan balance deferrals (~725customers) have been approved
2
•This is in addition to standard hardship support options available to customers experiencing financial
difficulty
Supporting our people
•Supporting vaccinerollout
–Special paid leaveto getvaccinated
–Voluntary vaccination program currently
available to all employees in greater Sydney
and household members of customer facing
staff in the most impacted local government
areas (LGAs)
•Specialpaid leave when in isolation
•Pilot program for rapid antigen testing for
employees in some key operational sites and
the most impacted LGAs
•Over 25,000employees working from home
•Less than 1%of capacity on site in our Sydney
CBD head office sites (275 Kent St and
Barangaroo)
5
•Wellbeing and mental health support
We have continued to operate effectively through the latest lockdown.
1 For further details of support and conditions refer westpac.com.au. 2 Support provided only relates to those customers whohave accessed COVID-19 emergency support since 10 July 2021. Business loans also include equipment finance and auto
loans to business customers. 3 Refers to availability of customer channels. 4 Some branches have been operating at reduced hours but remain open. 5 Refers to the average number of employees on site for the four weeks to 6 August 2021
compared to the capacity of the buildings.
COVID-19
2020 support
•In 2020 we provided $55bn in mortgage
deferrals to 149k customers, and $10bn in
business loan deferrals to 33k customers
•Most customers returned to payment with
~$1.9bn in mortgages and $0.4bn in business
lending migrating to hardship

Westpac Group 3Q21 Capital, Funding and Credit Quality Update
Capital remains well above APRA’s
unquestionably strong benchmark of 10.5%.
Capital
4
•CET1 capital ratio of 12.0% at June 21, down from 12.3% at March 21 from
−Interim dividend payment (49bps)
−Increase in RWAs mainly from higher mortgage RWAs (22bps)
−This was partly offset by 3Q21 cash earnings and the benefit from the
sale of Coinbase Inc. shares
•On a pro forma basis, the CET1 capital ratio is 12.5% including announced
divestments
1
•Higher mortgage RWAs mostly from a management overlay to increase the
mortgage risk weight floor to 25% (RWA to EAD) reflecting anticipated
unwind of temporary COVID-19 stimulus effects and our expectation that
mortgage risk weights will rise from APRA’s future RWA changes
CET1 capital ratio movements
Key capital ratios (%)
Sep-20Mar-21Jun-21
CET1 capital ratio 11.112.312.0
Additional Tier 1 capital ratio2.12.22.2
Tier 1 capital ratio13.214.514.2
Tier 2 capital ratio3.13.94.2
Total regulatory capital ratio16.418.418.4
Risk weighted assets
(RWA)($bn)
438429437
Leverage ratio 5.86.35.9
Level 1 CET1 capital ratio11.412.612.2
Internationally
comparable ratios
2
Leverage ratio
(internationally comparable)
6.56.96.5
CET1 capital ratio (internationally
comparable)
16.518.117.7
1 Refer to page 13 for further details of the announced divestments and the expected CET1 benefit. 2 Internationally comparablemethodology aligns with the APRA study titled ‘International Capital Comparison Study’ dated 13 July 2015.
11.1
12.3
0.412.0
0.5
12.5
(0.5)
(0.2)
Sep-20Mar-211H21
dividend
RWA
movements
OtherJun-21DivestmentsJun-21
Pro forma
CET1 capital ratio (%)

359.4
347.1
4.7
6.9
0.8
358.2
(0.6)
(0.7)
Sep-20Mar-21Credit metricsHigher
lending
Mortgage risk
weight floor
FX
translation
impacts
Counterparty
credit and
mark-to-
market risk
Jun-21
437.9
428.9
11.1
0.20.00.1437.4
(2.8)
Sep-20Mar-21Credit
risk
Market
risk
IRRBBOperational
risk
OtherJun-21
Regulatory developments and risk weighted assets.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update5
Credit risk weighted assets ($bn)
Regulatory developments
•APRA advised that COVID-19 loan deferrals
will not be treated as a period of arrears or
loan restructuring
•On 21 July 2021, APRA released further
guidance on the implementation of Basel III
reforms including
-The CET1 requirement (comprising the
minimum requirement and buffers) for the
major banks is proposed to increase from
8% to 10.5% from 1 January 2023
-The interest-only (IO) component of non-
standard mortgages amended to IO loans
with a current contractual term >5 years
and a loan to valuation ratio >80%. We
estimate that less than $10bn of mortgages
at 30 June 2021 meet this criteria
-We expect further clarity on the changes
ahead of 1 January 2023 implementation
•On 5 August 2021, APRA released the final
revised APS 111 standard which will come
into force from 1 January 2022. The changes
are expected to reduce the Level 1 CET1
capital ratio by ~20bps, primarily from
Westpac’s equity investment in WNZL
Risk weighted assets ($bn)
1 Refer to page 4 for further details.
Capital
Up $8.5bn or 2.0%
Up $11.1bn or 3.2%
Reflects the roll-off of prior year
volatility from models
Mostly from mortgages up $2.8bn
and corporate up $1.5bn
Chart may not add due to rounding
1

1 CAP is Collectively Assessed Provision. IAP is Individually Assessed Provision. 2 GDP and Residential property price growth is annual growth to December each year. Unemployment rate forecast is as at year end. Forecasts used for June 21 were
determined 7 June 21. These forecasts are likely to change in light of recent lockdowns.
Provisions.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update
Prudence maintained.
Credit quality
6
At Mar 2021At Jun 2021
2021202220212022
GDP growth4.0%3.0%4.8%3.2%
Unemployment6.0%5.3%5.0%4.7%
Residential property price
increase/(decrease)
10%10%15%5%
Forecasts used in base case economic scenario
2
412
611
564
868
943
1,561
1,327
1,271
1,578
2,247
1,806
1,629
818
1,032
853
813
171
708
958
959
3,922
6,159
5,508
5,540
Sep-19Sep-20Mar-21Jun-21
Overlay Stage 1 CAP
Stage 2 CAP Stage 3 CAP
IAP (Stage 3)
Total impairment provisions
1
($m)
Provision coverageSep-20Mar-21Jun-21
Provisions to Credit RWA171bps159bps155bps
Provisions to TCE58bps51bps50bps
Impaired provisions to impaired
assets
41.5%47.0%55.0%
Lower CAP from improved
asset quality metrics and
improved forward looking
economic inputs
$300m IAP for one large
exposure

Credit quality.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update7
Stressed exposures as a % of TCE
Credit quality
0.67
0.62
0.58
0.44
0.27
0.20
0.22
0.15
0.14
0.17
0.26
0.19
0.20
0.46
0.41
0.35
0.31
0.26
0.25
0.33
0.34
0.39
0.48
0.80
0.66
0.67
2.07
1.45
1.24
0.85
0.71
0.54
0.65
0.56
0.55
0.55
0.85
0.75
0.64
3.20
2.48
2.17
1.60
1.24
0.99
1.20
1.05
1.08
1.20
1.91
1.60
1.51
0.0
1.0
2.0
3.0
Sep-10Sep-11Sep-12Sep-13Sep-14Sep-15Sep-16Sep-17Sep-18Sep-19Sep-20
Mar-21
Jun-21
Impaired90+ days past due and not impairedWatchlist & substandard
Stressed exposures down 9bps in 3Q21.
1 Facilities 90 days or more past due date and not impaired. These facilities, while in default, are not treated as impaired for accounting purposes.
Reduction in watchlist and
substandard mainly due to
customer upgrades and
migration of some customers
to 90+ days past due and not
impaired
Increase in 90+ days past due and not
impaired driven by migration of some
business customers from watchlist
and substandard, partially offset by
8bps decrease in mortgage 90+ days
past due delinquencies
Increase in impaired
mainly driven by one
large institutional
exposure
1

Stressed exposures reduced across most sectors.
8
Corporate and business stressed exposures by industry sector ($bn)
1 Services includes education, health & community services, cultural & recreational services and personal & other services.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update
Credit quality
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
1.8
2.0
Property
Accommodation, cafes
& restaurants
Wholesale &
retail trade
Agriculture, forestry &
fishing
Property &
business services
Services
Manufacturing
Construction
Transport & storage
Mining
Finance & insurance
Utilities
Sep-20Mar-21Jun-21
Stressed exposures to TCE by sector
SectorProperty
Accomm.,
cafes &
restaurants
Wholesale &
retail trade
Agriculture,
forestry& fishing
Property &
business
servicesServices
1
Manufacturing
Construction
Transport&
storageMining
Finance &
insuranceUtilities
Mar-21 (%)2.914.6
4.8
6.04.33.7
3.3
6.12.73.40.20.2
Jun-21 (%)2.912.8
3.9
5.44.75.1
3.2
6.22.52.00.20.7
Small number of names in
WIB and Business
divisions
Mostly one institutional
exposure
Mostly one
institutional exposure

6.8
3.0
5.9
15.7
6.8
2.8
5.4
15.0
6.7
2.7
5.2
14.5
Credit cardsPersonal loansAuto loans
(consumer)
Total consumer
finance
Sep-20Mar-21Jun-21
Westpac Group 3Q21 Capital, Funding and Credit Quality Update
1 Does not include margin lending. 2 These Auto loans only relate to consumer loans and do not relate to loans outstanding to business customers. These loans will be run-down over their contractual term.
9
Credit quality
Australian consumer portfolio.
1.82
0.50
1.50
2.50
Dec-18Jun-19Dec-19Jun-20Dec-20Jun-21
Australian consumer finance portfolio ($bn)
1
Australian consumer finance portfolio ($bn)
0
1
2
3
0
5
10
15
20
25
Jun-19
Sep-19Dec-19
Mar-20
Jun-20
Sep-20Dec-20
Mar-21
Jun-21
Unsecured performing loans balance ($bn lhs)
Unsecured 90+ day delinquencies balance ($bn rhs)
Sep-20Mar-21Jun-21
Lending $15.7bn$15.0bn$14.5bn
30+ day delinquencies(%)3.623.583.25
90+ day delinquencies(%)2.091.921.82
90+ day delinquencies improved 10bps over 3Q21, reflecting 16bps improvement in
portfolio, partially offset by 6bps from portfolio contraction. 30+ day delinquency
improved 33bps over the period, reflecting 43bps improvement in portfolio, partially
offset by 10bps from portfolio contraction
Australian consumer finance portfolio
1
Australian consumer finance 90+ day delinquencies (%)
2

Australian mortgage delinquencies.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update10
1 Financial hardship assistance is available to customers experiencing unforeseen events, including changes in income due toillness, a relationship breakdown or a natural disaster. Hardship assistance often takes the form of a reduction or deferral of
repayments for a short period. Customers requesting financial hardship assistance must provide a statement of financial positionand an assessment is made regarding their eligibility. 2 Mortgage loss rates are annualised write-offs for the 6 months
ending.
Mortgage credit quality
Australian mortgage delinquencies (%)
Australian mortgages
Sep-20Mar-21Jun-21
Total portfolio 30+ day delinquencies(bps)214179176
Total portfolio 90+ day delinquencies(bps)
(incl. impaired mortgages)
162120111
Investment property loans
90+ day delinquencies(bps)
148118109
Interest-only loans
90+ day delinquencies(bps)
1259184
Customers in hardship
1
(by balances, bps)129113106
Consumer properties in possession (number)256180199
Actual mortgage loss rateannualised
2
(bps,
for the 6 months ending)
322
1.11
1.76
0.0
1.0
2.0
3.0
4.0
Mar-18
Jun-18
Sep-18
Dec-18
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
Jun-21
90+ day delinquencies30+ day delinquencies
Australian mortgage hardship balances ($bn and # of
accounts)
0
4,000
8,000
12,000
16,000
20,000
0
1
2
3
4
5
6
7
Mar-18
Jun-18
Sep-18Dec-18
Mar-19
Jun-19
Sep-19Dec-19
Mar-20
Jun-20
Sep-20Dec-20
Mar-21
Jun-21
Balances ($bn, lhs)
Number of accounts (rhs)
Australian mortgage portfolio and FY21 YTD flow by
product and repayment type (%)
3
15
22
6
55
2
13
22
5
57
2
12
22
4
59
0
10
18
3
69
LOCIPL-I/OIPL-P&IOO-I/OOO-P&I
Sep-20 (Portfolio)
Mar-21 (Portfolio)
Jun-21 (Portfolio)
FY21 YTD Flow

0.18
0.37
0.0
0.1
0.2
0.3
0.4
0.5
0.6
Jun-14
Dec-14
Jun-15
Dec-15
Jun-16
Dec-16
Jun-17
Dec-17
Jun-18
Dec-18
Jun-19
Dec-19
Jun-20
Dec-20
Jun-21
Ex-hardshipReported
New Zealand credit quality remains sound.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update
Mortgage 90+ day delinquencies
1
(%)Unsecured consumer 90+ day delinquencies
1
(%)
Business stressed exposures as a % of New Zealand business TCE
1 In May 2019 we made changes to the reporting of customers in hardship to align to the method used by APRA.
11
Credit quality
Introduction of changes to
the reporting of hardship
0.87
1.66
0.0
1.0
2.0
3.0
Jun-14
Dec-14
Jun-15
Dec-15
Jun-16
Dec-16
Jun-17
Dec-17
Jun-18
Dec-18
Jun-19
Dec-19
Jun-20
Dec-20
Jun-21
Ex-hardshipReported
Introduction of changes to
the reporting of hardship
1.5
0.9
0.8
0.5
0.30.3
0.1
0.3
0.3
0.2
0.3
0.2
0.1
0.2
0.0
0.1
0.0
0.1
0.1
0.1
0.2
0.1
3.2
2.3
2.4
5.0
4.0
3.0
2.92.5
2.2
2.4
2.2
4.9
3.3
3.4
5.5
4.4
3.3
3.1
2.9
2.6
2.8
2.6
Sep-13Sep-14Sep-15Sep-16Sep-17Sep-18Sep-19Mar-20Sep-20Mar-21Jun-21
Watchlist & substandard90+ day past due and not impairedImpaired
17
9
44
3
4
23
Property
Manufacturing
Agriculture, forestry &
fishing
Wholesale trade
Construction
Other

Funding and liquidity.
Westpac Group 3Q21 Capital, Funding and Credit Quality Update
Funding and liquidity
12
1 Westpac’s Additional Allowance at 30 June 2021 was zero. 2 Based on residual maturity and FX spot currency translation. Includes all debt issuance with contractual maturity greater than 13 months excluding US Commercial Paper and Yankee
Certificates of Deposit. Contractual maturity date for hybrids and callable subordinated instruments is the first scheduled conversion date or call date for the purposes of this disclosure. Perpetual sub-debt has been included in >FY27 maturity bucket.
Maturities exclude securitisation amortisation.
42
37
32
34
31
27
6
26
38
37
12
13
10
18
FY16FY17FY18FY19FY20FY21
YTD
FY21FY22FY23FY24FY25FY26FY27
>FY27
Funding for Lending Programme (NZ)
Term Funding Facility (Aus)
Subordinated debt
Senior/Securitisation
Hybrid
Covered bond
Term debt issuance and maturity profile
2
($bn)
IssuanceMaturities
Deposits to net loans ratio (%)
151
124
127
Sep-20Mar-21Jun-21
122
123
123
Sep-20Mar-21Jun-21
80.1
79.8
80.2
Sep-20Mar-21Jun-21
Net stable funding ratio (%)
Quarterly average
Term Funding Facility
1
(TFF) ($bn)
18
12
TFF Allowance
Supplementary
allowance
(Drawn down
Oct-20 to Jun-21)
Initial
allowance
(Drawn down
Mar-20 to
Sep-20)
30
Fully drawn at 30 Jun 2021
Liquidity coverage ratio (%)
Key funding and liquidity measures
remaining

Westpac Group 3Q21 Capital, Funding and Credit Quality Update
13
Businesses soldAnnouncedCompleted
Expected divestment
CET1 benefit (bps)
Zip Co Ltd.Oct 2020Oct 2020Realised
Coinbase Inc.May 2021May 2021Realised
General InsuranceDec 2020Jul 202112
Vendor FinanceAug 2020Aug 2021-
Announced saleAnnouncedCompletion expected
Westpac Pacific
1,2
Dec 2020Dec 20216
Westpac LMIMar 2021Sep 20217
Motor Vehicle FinanceJun 2021Dec 20216
NZ Life InsuranceJul 2021Dec 20217
Westpac Life InsuranceAug 2021Second half of 202212
Total expected divestment benefit50
Operations within Specialist Businesses Division
Superannuation, Platforms and Investments
Simplification
13
Portfolio simplification progress.
1 On 26 July 2021, Westpac announced that PNG’s Independent Consumer and Competition Commission (ICCC) has released its draftdetermination indicating it proposes to deny authorisation to Kina Bank for the proposed acquisition of Westpac’s
stake in Westpac Bank PNG Limited. Westpac and Kina Bank are currently reviewing the draft determination and intend to make further submissions to the ICCC before its final determination is issued in September 2021, following a public consultation
period. 2 Impact reflects the remaining CET1 impact expected to occur by Dec 2021 (mainly the release of risk weighted assets upon sale). The accounting loss on sale in Westpac Pacific included in First Half 2021 notable items impacted the CET1
ratio for June 21. In total, the sale of Westpac Pacific is expected to add approximately 3bps to Westpac’s Common Equity Tier 1capital ratio.

For all shareholding enquiries relating to:
•Address details and communication preferences
•Instructions for dividends including: bank account, participation in
the dividend reinvestment plan, or the dividend donation plan
Investor Relations ContactShare Registry Contact
For all matters relating to Westpac’s strategy,
performance and results
Westpac Group 3Q21 Capital, Funding and Credit Quality Update14
Contact us.
Andrew Bowden
Head of Investor Relations
Louise Coughlan
Head of Ratings Agencies and Analysis
Arthur Petratos
Manager, Shareholder Services
Andrea Jaehne
Director, Ratings Agencies and Analysis
Jacqueline Boddy
Head of Debt Investor Relations
Neil Wesley
Head of Institutional Investor Relations
Alec Leithhead
Manager, Investor Relations
Rebecca Plackett
Director, Corporate Reporting and ESG
Contact us
westpac@linkmarketservices.com.au
investorcentre.linkmarketservices.com.au
1800 804 255
investorrelations@westpac.com.au
westpac.com.au/investorcentre
+61 2 8253 3143
Investor Relations Team.

Disclaimer.
The material contained in this presentation is intended to be general background information on Westpac Banking Corporation (Westpac) and its activities.
The information is supplied in summary form and is therefore not necessarily complete. It is not intended that it be relied uponas advice to investors or potential investors, who should consider
seeking independent professional advice depending upon their specific investment objectives, financial situation or particular needs. The material contained in this presentation may include
information derived from publicly available sources that have not been independently verified. No representation or warranty is made as to the accuracy, completeness or reliability of the
information.
All amounts are in Australian dollars unless otherwise indicated.
Unless otherwise noted, financial information in this presentation is presented on a cash earnings basis. Cash earnings is a non-GAAP measure. Refer to Westpac’s 2021 Interim Financial Results
(incorporating the requirements of Appendix 4D) for the six months ended 31 March 2021 available at westpac.com.au for details of the basis of preparation of cash earnings. Refer to Westpac’s
2021 Interim Financial Results Presentation and Investor Discussion Pack for an explanation of cash earnings and a reconciliation of reported net profit to cash earnings.
The financial information for the three months ended 30 June 2021 has not been audited or reviewed by any independent registeredpublic accounting firm and has been derived from the unaudited
financial statements for the quarter ended 30 June 2021.Any other financial information provided as at a date after 30 June 2021 has not been audited or reviewed by any independent registered
public accounting firm either. The information contained in this presentation is presented for information purposes only, is based on management’s current information and reflects management’s
view of other factors, including a wide variety of significant business, economic and competitive risks and uncertainties, whichmay be heightened during the ongoing COVID-19 pandemic. Certain
data herein may involve underlying estimates, assumptions and judgments when applying accounting policies and preparing its financial statements, particularly in connection with the calculation of
provisions. Any change in such estimates, assumptions and/or judgments resulting from new information or from changes in circumstances or experience could result in Westpac incurring losses
greater than those anticipated or provided for.
This presentation contains statements that constitute “forward-looking statements” within the meaning of Section 21E of the US Securities Exchange Act of 1934. Forward-looking statements are
statements about matters that are not historical facts. Forward-looking statements appear in a number of places in this presentation and include statements regarding our intent, belief or current
expectations with respect to our business and operations, macro and micro economic and market conditions, results of operations and financial condition, including, without limitation, future loan
loss provisions, financial support to certain borrowers, indicative drivers, forecasted economic indicators and performance metric outcomes.
We use words such as ‘will’, ‘may’, ‘expect’, ‘intend’, ‘seek’, ‘would’, ‘should’, ‘could’, ‘continue’, ‘plan’, ‘estimate’, ‘anticipate’, ‘believe’, ‘probability’, ‘risk’, ‘aim’, or other similar words to identify
forward-looking statements. These forward-looking statements reflect our current views with respect to future events and are subject to change, certain risks, uncertainties and assumptions which
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be no assurance that future developments will be in accordance with our expectations or that the effect of future developments on us will be those anticipated. Actual results could differ materially
from those which we expect, depending on the outcome of various factors. Factors that may impact on the forward-looking statements made include, but are not limited to, those described in the
section titled ‘Risk factors' in Westpac’s 2021 Interim Financial Results (incorporating the requirements of Appendix 4D) for the six months ended 31 March 2021available at westpac.com.au. When
relying on forward-looking statements to make decisions with respect to us, investors and others should carefully consider such factors and other uncertainties and events. We are under no
obligation to update any forward-looking statements contained in this presentation, whether as a result of new information, future events or otherwise, after the date of this presentation.
Disclaimer
15Westpac Group 3Q21 Capital, Funding and Credit Quality Update