NOTE: All images are held in templated image placeholders.

They can be changed by simply selecting and deleting the image, then selecting a new one.

200 years proudly supporting Australia Note that you will have to “send to back” or “bring forward” imagery as necessary.

To move the image around in the placeholder, just select the image, right click and select CROP. Westpac Climate Impact Report

May 2018

Select image and move as necessary.

There is a semi-transparent white shape that will need to always be placed on top of the very back image. Dow Jones Sustainability Indices Number one bank globally in 2017, for the 4th year in a row and the 10th time There are red placement lines at since the index was established the top of this slide should you ever need to move and replace

Westpac Banking Corporation the wedge. ABN 33 007 457 141

NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. Disclaimer 2 To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab NotesTo replace that arethe specificimage, simplyto a certain select The material contained in this presentation is intended to be general background information on Westpac Banking Corporation (“Westpac”) (ABN layoutand delete will be the placed existing here image then 33 007 457 141) and its activities. click on the ADD PICTURE icon to It should not be reproduced, distributed or transmitted to any person without the consent of Westpac and is not intended for distribution in any insert new image. jurisdiction in which such distribution would be contrary to local law or regulation. It does not constitute a prospectus, offering memorandum or offer of securities. The information is supplied in summary form and is therefore not necessarily complete. Also, it is not intended that it be relied upon as advice to GRID 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 To show the grid, right click the slide and Body – 12pt Arial Regular sentence case available sources that have not been independently verified. No representation or warranty is made as to the accuracy, completeness or select ‘Grids and Guidelines’ > ‘Guides” • Bullet – 12pt Arial Regular reliability of the information. All amounts are in Australian dollars unless otherwise indicated.  Second Bullet – 12pt Arial Regular Financial information in this presentation may be presented on a cash earnings basis. Cash earnings is a non-GAAP measure. Refer to Westpac’s 2017 Annual Report on (incorporating the requirements of Appendix 4E) for the year ended 30 September 2017 available at Heading – 14pt Times New Roman Bold www.westpac.com.au details of the basis of preparation of cash earnings. Note – 10pt Arial Regular Financial data in this presentation is as at 30 September 2017 unless otherwise indicated. Comparisons of FY17 financial results are to FY16 unless otherwise stated. Information contained in or otherwise accessible through the websites mentioned in this presentation does not form part of the presentation unless we specifically state that the information is incorporated by reference thereby forming part of the presentation. All references in this Text boxes have 0.0cm margin on all sides presentation to websites are inactive textual references and are for information only. 0.40 Disclosure regarding forward-looking statements Chart heading text boxes have 0.25cm margin on left This presentation contains statements that constitute “forward-looking statements” within the meaning of Section 27A of the US Securities Act of 0.80 1933, as amended, and Section 21E of the US Securities Exchange Act of 1934, as amended. Forward-looking statements are statements about Subheading in charts is 10pt bold matters that are not historical facts. Forward-looking statements appear in a number of places in this presentation and include statements Text in charts is 10pt regarding our intent, belief or current expectations with respect to our business and operations, market conditions, results of operations and financial condition, including, without limitation, future loan loss provisions, financial support to certain borrowers, indicative drivers, forecasted TABLES economic indicators and performance metric outcomes. SHAPES We use words such as ‘will’, ‘may’, ‘expect’, 'indicative', ‘intend’, ‘seek’, ‘would’, ‘should’, ‘could’, ‘continue’, ‘plan’, ‘aim’, ‘probability’, ‘risk’, Headings 12pt bold all CAPS ‘forecast’, ‘likely’, ‘estimate’, ‘anticipate’, ‘believe’, or other similar words to identify forward-looking statements. These forward-looking statements Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section. reflect our current views with respect to future events and are subject to change, certain risks, uncertainties and assumptions which are, in many All other horizontal lines .75pt grey instances, beyond our control and have been made based upon management’s expectations and beliefs concerning future developments and Total line same as heading their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations or that the effect All text 12pt where possible, reduced of future developments on us will be those anticipated. Should one or more of the risks or uncertainties materialise, or should underlying where required to a minimum of 8pt assumptions prove incorrect, actual results could differ materially from the expectations described in this presentation. Factors that may impact on the forward-looking statements made include, but are not limited to, those described in the section entitled ‘Risk factors’ in Westpac’s Annual Report on Form 20-F for the year ended 30 September 2017 filed with the SEC. 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, CHART HEADINGS and do not intend, 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. The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the the top and right side of the chart background box. angles of the curves on each side. 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. Height must remain consistent, width will vary. Most layouts use a one line heading box, you can 8.20 E.g. these: manually paste a two line heading box over this area. Select from the pre-made options on ‘chart title text boxes’ slide in the ‘Editable Elements’ Become: section.

10.00 Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 3 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. Solutions To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab Notes that are specific to a certain layout will be placed here

GRID

To show the grid, right click the slide and Body – 12pt Arial Regular sentence case Westpac Climate Change Solutions Overview select ‘Grids and Guidelines’ > ‘Guides” • Bullet – 12pt Arial Regular  Second Bullet – 12pt Arial Regular • Westpac Group has long recognised that climate change is one of the most significant issues that will impact the long-term Heading – 14pt Times New Roman Bold prosperity of our economy and way of life. Note – 10pt Arial Regular • We are focussed on providing finance to back Climate Change Solutions  Building on the climate change scenario analysis Westpac completed in 2016, we have set our targets based on the current outlook for

Text boxes have 0.0cm margin on all sides investment in climate change solutions that is required to remain on a credible pathway to a net zero emissions outcome by 2050. We 0.40 define climate change solutions as those technologies and practices that are consistent with the investment required to limit global Chart heading text boxes have 0.25cm margin on left warming to less than two degrees and address its impacts 0.80 Subheading in charts is 10pt bold  Westpac’s plan to provide finance to back climate change solutions encompasses the total direct and indirect financing of customers to the Text in charts is 10pt extent they are involved in the activities defined as Climate Change Solutions, and those that broadly align with the TABLES Initiatives (CBI) taxonomy SHAPES Headings 12pt bold all CAPS  As a founding signatory to the Equator Principles, where an asset is financed by project finance, Westpac agreed to provide loans only for Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section. All other horizontal lines .75pt grey projects whose sponsors can demonstrate their ability and willingness to comply with processes that ensure they are developed in a Total line same as heading socially responsible manner, according to sound environmental management practices All text 12pt where possible, reduced where required to a minimum of 8pt • Westpac Climate Bonds  Westpac issues Climate Bonds as part of its commitment to facilitate up to $3 billion in climate change solutions by 2020, e.g. green bond CHART HEADINGS issuance and arrangement The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the  The procedures outlined in our Climate Bond Framework document set out the process for regular tracking of the climate bond issuance the top and right side of the chart background box. angles of the curves on each side. and asset allocation pool. On issuance of a climate bond the climate bond net proceeds will be invested in line with our climate change 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. solutions strategic focus and Climate Change Action Plan. Height must remain consistent, width will vary. Most layouts use a one line heading box, you can 8.20 E.g. these:  https://www.westpac.com.au/about-westpac/investor-centre/fixed-income-investors/ manually paste a two line heading box over this area. Select from the pre-made options on ‘chart title text boxes’ slide in the ‘Editable Elements’ Become: section.

10.00 Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour

NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 4 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. Climate Change Solutions To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab Notes that are specific to a certain layout will be placed here

GRID

To show the grid, right click the slide and Body – 12pt Arial Regular sentence case Westpac Climate Change Solutions Overview cont. select ‘Grids and Guidelines’ > ‘Guides” • Bullet – 12pt Arial Regular  Second Bullet – 12pt Arial Regular • Climate Change Solutions activities are those which White Rock Wind Farm Heading – 14pt Times New Roman Bold  Have been specifically identified as such (refer to the list below) Note – 10pt Arial Regular  Broadly align with the Climate Bond Initiatives (CBI) taxonomy  Comply with the Equator Principles where asset is financed by project finance

Text boxes have 0.0cm margin on all sides • Climate Change Solutions should include but are not limited to 0.40

Chart heading text boxes have 0.25cm margin on left  Renewable energy 0.80  Energy efficiency technologies Subheading in charts is 10pt bold Text in charts is 10pt  Green buildings  Low-emissions transport TABLES SHAPES  Waste Headings 12pt bold all CAPS Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section.  Water Image of Hallett Wind Farm courtesy of AGL Energy All other horizontal lines .75pt grey Total line same as heading  Carbon abatement and sequestration projects All text 12pt where possible, reduced  Forestry and land rehabilitation where required to a minimum of 8pt  Adaptation infrastructure • Our climate change position statement and action plan builds on our strong track CHART HEADINGS record, outlining the next phase of actions we are taking to meet our commitment The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the to operate in a manner consistent with limiting global warming to less than two the top and right side of the chart background box. angles of the curves on each side. 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join degrees Celsius above pre-industrial levels 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. Height must remain consistent, width will vary.  Find out more at https://www.westpac.com.au/about-westpac/sustainability/ Most layouts use a one line heading box, you can 8.20 E.g. these: manually paste a two line heading box over this area. Select from the pre-made options on ‘chart title text boxes’ slide in the ‘Editable Elements’ Become: section.

10.00

Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 5 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. Projects included in Climate Bond pool To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab Notes that are specific to a certain CUSTOMER STATE SECTOR DESCRIPTION layout will be placed here Horizon MP Management (70 Eagle Street) QLD Low Carbon Commercial Prop 5 Star NABERS rating Green Building 1 AUST Low Carbon Commercial Prop 5 Star NABERS rating Green Building 2 AUST Low Carbon Commercial Prop 5 Star NABERS rating City West ACT ACT Low Carbon Commercial Prop 5 Star NABERS rating PGA Creek QLD Low Carbon Commercial Prop 5.5 Star NABERS rating GRID 55 Elizabeth Street Brisbane QLD Low Carbon Commercial Prop 5 Star NABERS rating Zenith Sub Trust, Chatswood NSW Low Carbon Commercial Prop 5 Star NABERS rating To show the grid, right click the slide and Body – 12pt Arial Regular sentence case Green Building 3 NSW Low Carbon Commercial Prop 5 Star NABERS rating expected select ‘Grids and Guidelines’ > ‘Guides” • Bullet – 12pt Arial Regular Green Building 4 NSW Low Carbon Commercial Prop 5 Star NABERS rating expected Green Building 5 NSW Low Carbon Commercial Prop 5 Star NABERS rating expected  Second Bullet – 12pt Arial Regular 321 Exhibition Street, Melbourne VIC Low Carbon Commercial Prop 6 Star NABERS rating Heading – 14pt Times New Roman Bold Rail Asset 1 NSW Low Carbon Transport In construction (no data reported to date) PARF Finco 1 (Nyngan and Broken Hill PV) NSW Renewable Energy Projects (Solar) Direct lending and refinancing of existing asset Note – 10pt Arial Regular Ross River Operations Trust QLD Renewable Energy Projects (Solar) In construction (no data reported to date) Transmission Line 1 VIC Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Transmission Line 2 VIC Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Oaklands Hill Wind Farm VIC Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Text boxes have 0.0cm margin on all sides Hallett 4 Wind Farm (North Brown Hill) SA Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset 0.40 Hallett 5 Wind Farm (Bluff Range) SA Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Chart heading text boxes have 0.25cm margin on left Gunning Wind Energy Developments Pty Ltd WA Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset 0.80 Collgar Wind Farm VIC Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Subheading in charts is 10pt bold Wind Farm 1 AUST Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset Text in charts is 10pt Pyrenees Wind Energy Developments Pty Ltd VIC Renewable Energy Projects (Wind) Direct lending and refinancing of existing asset White Rock Wind farm NSW Renewable Energy Projects (Wind) Stage 1 Complete TABLES PARF Silverton Finco Pty Ltd Windfarm NSW Renewable Energy Projects (Wind) In construction (no data reported to date) SHAPES PARF Coopers Gap Finco Pty Ltd QLD Renewable Energy Projects (Wind) In construction (no data reported to date) Headings 12pt bold all CAPS Tilt Renewables Limited AUST Renewable Energy Projects (Wind) Direct lending to portfolio of renewable assets Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section. All other horizontal lines .75pt grey AGGREGATE STATISTICS (TCE as at 30/09/2017 $m % Total line same as heading Renewable Energy Projects (Solar) AUD 126.371 6 All text 12pt where possible, reduced Renewable Energy Projects (Wind) AUD 759.696 36 where required to a minimum of 8pt Green Buildings AUD 1,064.853 50 Low Carbon Transport AUD 177.279 8 Total AUD 2,128.199 100 CHART HEADINGS

Outstanding Issuance (as at 31/03/18) $m Public/Private The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the AUD senior 5 year due 2021 AUD 500 Public Benchmark the top and right side of the chart background box. angles of the curves on each side. USD senior 10 year due 2027 USD 50 / AUD64 Private Placement (FX 0.7834 as at 31/03/18) 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join EUR senior 7 year due date 2024 EUR 500 / AUD 754 Public Benchmark (FX 1.508 as at 31/03/18 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. AUD senior 5 year due date 2023 AUD 117.3 Uridashi Height must remain consistent, width will vary. Most layouts use a one line heading box, you can 8.20 E.g. these: Remaining Pool Capacity AUD 693 manually paste a two line heading box over this area. Select from the pre-made options on ‘chart title text boxes’ slide in the ‘Editable Elements’ Become: section.

10.00 Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 6 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. Westpac Climate Bond – Environmental Impacts To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab Notes that are specific to a certain • Renewable energy projects financed in part by Westpac Climate Bonds have potential to: layout will be placed here  Generate 4,297,041 million megawatt hours (MWh) of clean energy Environmental  Reduce annual (GHG) by 3,603,550 million tCO2e (tonne of carbon Impacts dioxide equivalents) Westpac’s share estimated share for RE is 1,081,065 (tC02e) GRID • Green buildings2 financed in part by Westpac Climate Bonds have, on average, a 28%3 lower emissions intensity against the Climate Bond Initiative’s state benchmark for energy efficiency with ten To show the grid, right click the slide and Body – 12pt Arial Regular sentence case select ‘Grids and Guidelines’ > ‘Guides” year duration • Bullet – 12pt Arial Regular  Second Bullet – 12pt Arial Regular As at 30 September 2017 Heading – 14pt Times New Roman Bold Better than Annual Note – 10pt Arial Regular Total Share of Average Average CBI top Annual GHG Westpac’s Committed Portfolio Eligibility Portfolio Portfolio GHG 15% Energy emissions estimated Energy Exposure Financing for Green Lifetime Net Lettable Intensity Statewide Capacity Generation avoided7 proportion1 Efficiency A$m (%) Bonds (%) (Months)5 Area (sqm) (kgCO2/sqm)3 Benchmark (MW) (MWh)4 (tCO2e) (tCO2e) Text boxes have 0.0cm margin on all sides 0.40 Green Chart heading text boxes have 0.25cm margin on left Buildings 1,064.853 50 100 27 484,890.40 50.11 28% 0.80 Subheading in charts is 10pt bold RE Projects Text in charts is 10pt (Wind) 759.696 36 100 31 2,072.50 3,900,176 3,263,650 979,095 TABLES RE Projects SHAPES (Solar) 126.371 6 100 53 155 396,866 339,900 101,970 Headings 12pt bold all CAPS Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section. Low Carbon All other horizontal lines .75pt grey Transport6 177.279 8 100 22 Total line same as heading All text 12pt where possible, reduced where required to a minimum of 8pt TOTAL 2,128.199 100 100 31 484,890.40 50.11 28% 2,227.50 4,297,041 3,603,550 1,081,065

Notes • 1 Renewable energy financing is generally syndicated across several banks and Westpac’s share has been estimated at approximately 30% in the numbers above CHART HEADINGS • 2 Green Building financing varies across assets and Westpac’s share has been estimated at 25-50% in the numbers above 3 The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the • CBI standard uses baseline in a particular city representing the top 15% in terms of carbon intensity (kg CO2/m sq) Average city GHG intensity 69.28 kgCO2/sqm p.a.(using the top and right side of the chart background box. angles of the curves on each side. CBI calculator 2016-2027 duration) 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join • 4 Generation for RE assets based on generation from either asset operating reports or (Australian Energy Market Operator) AEMO dispatch data where available, or project 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. specific reporting Height must remain consistent, width will vary. 5 Most layouts use a one line heading box, you can 8.20 • Most projects are refinanced on a 5 yearly cycle, regardless of project lifetime E.g. these: • 6 Low Carbon Transport project still in construction manually paste a two line heading box over this • 7 Emission reductions (TC02e/MWH) is the GHG intensity of National Energy Market GHG 2017 of 0.8565 * MWh Generated (annual). Intensity is sum of daily total area. Select from the pre-made options on ‘chart

emissions/energy for the NEM (Numbers do not exactly reconcile as taking conservative low side estimate of emissions avoided for Collgar Wind Farm) title text boxes’ slide in the ‘Editable Elements’ Become: section. • Where projects are still in construction TCE and MW capacity numbers are reported and included as estimated, but emissions reduced/avoided numbers are not yet included 10.00 Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour NOTE: All content placeholders are adaptable. If a placeholder already contains (for example) a bar chart, this can be deleted to insert a table, text, image or other content. The template is very flexible. There are a lot of FONT SIZES layout options provided, manipulate them as needed to suit your content but if it’s not looking right, you can always ‘Reset’ the slide to revert back to the templated layout. IDP TEMPLATE Charts: 10pt │Tables: 12pt │ Text boxes: 12pt │ Text box headings: 14pt

Guides 13.80 4.80 4.40 0.20 0.20 4.40 4.80 13.80

TEXT LINES AND ARROWS

All text is black. No grey text Lines are solid black or red, 1.5pt Arrows are block style to fit text inside, see 8.40 7 ‘pullout boxes and arrows’ elements slide These are your 5 levels of styles. More information | www.westpac.com.au/investorcentre To move through the different styles, select the text and press TAB. To return to the previous style, press SHIFT + TAB. Text inside If you are on a blank line, use the Increase or Decrease Indent 7.00 buttons on the Home tab Notes that are specific to a certain layout will be placed here + - X

GRID

To show the grid, right click the slide and Body – 12pt Arial Regular sentence case select ‘Grids and Guidelines’ > ‘Guides” • Bullet – 12pt Arial Regular  Second Bullet – 12pt Arial Regular Heading – 14pt Times New Roman Bold Note – 10pt Arial Regular

Text boxes have 0.0cm margin on all sides 0.40 Chart heading text boxes have 0.25cm margin on left 0.80 Subheading in charts is 10pt bold Text in charts is 10pt TABLES

SHAPES Headings 12pt bold all CAPS Heading divider line 1.5pt red Use the shapes supplied in the ‘Editable Elements’ section. All other horizontal lines .75pt grey Total line same as heading Contact our Global Funding team All text 12pt where possible, reduced where required to a minimum of 8pt Curt Zuber Joanne Dawson Alexander Bischoff

Treasurer, Westpac Banking Corporation Deputy Treasurer, Westpac Banking Corporation Executive Director, Global Funding CHART HEADINGS +61 2 8253 4230 +61 2 8204 2777 +61 2 8253 4314 [email protected] [email protected] [email protected] The heading box should sit 0.2cm indented from Never skew the shape. Resize proportionally in order to keep the the top and right side of the chart background box. angles of the curves on each side. 1 line heading box = 0.8cm height To create a longer wave shape, resize proportionally and join Richard Salmon Nick Cooper Jacqueline Boddy 2 line heading box = 1.2cm height multiple shapes together with aligning and grouping. Height must remain consistent, width will vary. Most layouts use a one line heading box, you can 8.20 Director, Global Funding Senior Associate, Global Funding Director, Debt Investor Relations E.g. these: +61 2 8253 4314 +61 2 8253 4314 +61 2 8253 3133 manually paste a two line heading box over this area. Select from the pre-made options on ‘chart [email protected] [email protected] [email protected] title text boxes’ slide in the ‘Editable Elements’ Become: section.

10.00 Below is the chart colour sequence. If your chart has more than 12 series‘ you will need to manually colour the additional series. Consumer Brands

R77 R228 R73 R84 R147 R173 R73 R139 R59 R42 R120 R104 R44 BANK SA ST.GEORGE BTFG RAMS BANK OF MELB G77 G27 G87 G49 G147 G17 G19 G15 G12 G52 G120 G9 G9 R44 R92 R127 R0 R127 B79 B19 B97 B78 B147 B9 B56 B9 B44 B58 B120 B6 B33 G71 G188 G167 G174 G128 B158 B38 B187 B239 B189

Westpac Grey, Westpac Red, not used in charts used as the HIGHLIGHT colour