Westpac Financial Performance Update

37 | Reshaping our network Westpac One CANSTAR Best Online Banking New Zealand Westpac One®. It's easier, faster, smarter online banking. . • . Market leading platform. 2015 Canstar Best Online Bank in New Zealand1 67% of customer access via mobile devices Since launch - 34% of all applications are online² 7% increase in digital customers to 705k3 Active digital customers now 53%4 Optimising points of presence • Smaller/fewer branches Branch Digital • Flexible layout • Digitally enabled • 24/7 self-service • Staff move from transactions to service/support e Westpac Changing how customers bank We do night shifts too. • Further enhancing 24/7 capability • Largest NZ fleet of Smart ATM's with 161, in two thirds of branches Half of branches have 24/7 banking lobbies² Teller deposits fallen by 11% over the year % of deposits through Smart ATM's 33% 28% 34% Up 4ppts 37% ATM 2H14 1H15 2H15 1Q16 Video chat Hang up Rolling out next-generation ATMs • Increased security • Higher withdrawal limits • Cash recycling Pauline Smith • Cash cheques Contact Centre • Third party payments (Council 1 Canstar April 2015. 2 Excludes Airpoint applications. 3 As at 30 September 2015. 4 As at 31 January 2016. rates/utilities) PRIVATE & CONFIDENTIAL

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